WillisBack/dataset-financial-user-claim huggingface dataset:
i bought my daughter a used car 2 years ago. i didn't have a down payment, but the dealer said he could find me a lender. I have decent credit. XXXX XXXX XXXX, of XXXX Alabama approved a loan with interest of between 26 % and 32 %, but are actually charging 6.26 % PER DAY. It was supposed to be a 3 year loan, but some how turned into a 66 month loan.my monthly payment for a XXXX XXXX XXXX is {$320.00} per month.of that {$140.00} is applied to the principal and {$170.00} is applied to interest. I was assured, that if I was timely on my payments I could renegotiate my interest. I've never missed a payment nor have i ever been late, but they wouldn't renegotiate.
There were XXXX liens appearing on my credit report. NYS Taxation vacated XXXX liens which were always erroneous. I provided letters showing the vacating of the liens to TransUnion. Instead of removing the liens, they reported the liens as being paid later and to be removed from my credit report later. XXXX are adverse actions to my credit and not reflective of the documentation that I provided from NYS Taxation and aknowledged by the XXXX County Clerk.
Hello below is the letter I sent the Military Star card. I was told I was 30-60 day late. I tried to make the payment and there was a glitch in the system making me late. I would not had been late on purpose as I am trying to apply for a mortgage my credit score has drop XXXX points since this incident. I was asking your assistance in removing the 30-60 day late. 

XXXX : acct # XXXX XXXXInbox xCredit Reporting DisputesXXXX XXXX ( 6 days ago ) Dear XXXX XXXX The Exchange is a non-appropriated fund instrumentality of th ... 

















XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 6 days ago ) to CreditGood Afternoon, I would like to thank you for checking on this matter. I am really heart broken that you all could n't assist me in this matter. I felt like I have been let down again by my country. I served this country with proud and dignity, I was injury while doing so. I was unable to work for months and was limited to income, but I tried to pay my bills with what money I had. I never intended to be late on my account therefore I paid as much as possible to keep this account from affecting my credit. I would like to state again I scheduled a payment online via your website to pay my bill for XX/XX/XXXX payment and it did not post. This one incident is causing me and my family to loose out on a dream I have been trying to achieve my entire life to purchased a home. There is know way I would wait until the last month and jeopardized my credit by not making a payment I was inform to make. 




If there is anyway you can help a XXXX Veteran the time is now for me. I am begging and pleading for your assistance. I am requesting if this email could be sent to the CEO of the company to review my case or if I can have a point of contact to reach He/or She. I ca n't give up on this that 's why I am reaching out to everyone. I have ask my Senator and Congressman I even email the White House to help assist me in this matter. I have a payment schedule for XX/XX/XXXX and I like I said previous I will never be late again. Please help me and my family. 




Yours Truly
I purchased my house XX/XX/2018, I am in the process of suing the seller of my house for breach of contract, which has caused issues with paying my mortgage which was brought out by Flagstar Bank, I have been attempting to obtain mortgage assistance through Flagstar Bank since XXXX. I have submitted numerous documents but yet my case is closed due to no one contact me or even attempting to make contact with me through Flagstar Bank. They purposely do not reach out or send correspondence so that you are delayed and fall behind, I have left messages, emails, and even complained to the XXXX  because it is not right to offer a loan modification services and not able give the consumer to correct information or even process what is submitted. This company was sued 4 yrs ago for the same exact actions. I have spoken to XXXX, XXXX and even a " supervisor '' XXXX XXXX who was extremely nasty and unhelpful. I am still trying to figure out why I have to reach out numerous times to Flagstar to find out is needed because as stated my " case manager '' XXXX XXXX has made absolutely zero attempts to contact me or even mail me information regarding my mortgage assistance documents. I should not have inquire over 6 times to find out what is needed when I have a case manager and have asked numerous times to reach out me. I also asked XXXX XXXX to research why no one has outreached me or even made a phone call attempt and even though all of your calls are recorded I could get any information, nor was I given a reference number for the call or any other call made. I think this is the most unprofessional mortgagee company I have ever come across as if someone is being proactive all it takes is someone to actually do their job and make sure communication with the consumer is made. SO now I risk messed up credit and late payments due to the lack of respect this company has for its consumers.
Collection Bureau of America 1 )  continues to attempt to collect debt that was paid in full to the original creditor, and 2 ) refuses to expunge negative mark on my credit record.     Original debt was in amount of {$550.00} for ambulance services, and was paid in full to the City of  XXXX   XXXX  ( honored cheque attached. ) I spoke with  XXXX  @  Collection Bureau of America  on  XXXX     XXXX    2017   , provided the evidence of payment, and no action has been taken on their part since.
I agree to pay XXXX XXXX XXXX XXXX XXXX a certain amount for 3 years, then I offer to pay them more to pay it off early starting with my very first payment. I paid them more than what they ask for, did the full 3 years on time, one month before my 3 years is up they call to tell me they made a mistake and that they misquote me and I need to agree to pay them for another 5 to 6 months. I told them that was their problem if anything they owe me, I wasnt supposed to do 3 years. My last bill they said they wasnt going to pay or negotiated on unless I pay them for another 5 to 6 months, I told them Im not agreeing to it so they sent it to a Collection Agency.
After seeing my credit report this week I discovered a false delinquency. On XXXX XXXX XXXX I signed. 13 month lease with XXXX XXXX XXXX. 
After being told my XXXX job was being eliminated in XX/XX/XXXX my landlord had me sign a release from the final 3 months of my lease. 
I moved out of state on XXXX XXXX XXXX leaving my forwarding address in XXXX. Since that time XXXX XXXX XXXX NEVER contacted me about any delinquent charges. On my credit report they charged me for XXXX and XXXX rent plus {$900.00} in damages. 
I have made XXXX of attempts to contact them to discuss the situation. I havre been ignored. 
I am seeking a legitimate and fair way to resolve the situation. Can you help? 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Funds were sent from my Venmo account erroneously to a user that I have never met and they refused to send the money back to me. I raised this issue with Venmo and they offered no support at this point I took matters into my own hands and stopped the payments through my bank ( ON PURPOSE ). Then I received an email from venmo saying " Do n't worry we transferred the funds to the other user '' and now your account is frozen until you settle the debt with us. These funds were purposely stopped by my bank at my request. I will not pay Venmo this disputed amount as I wanted to stop these payments. They have now frozen my account and will not let me delete my account thus holding me hostage. This is absolutely ridiculous. I would like my account deleted and will not be resolving this so called debt as I specifically stopped these payments ON PURPOSE. 
The fact that they will not unfreeze and let me delete my account has me feeling hostaged and trapped.
Hello, On XX/XX/XXXX, I received notification from XXXX that Nelnet would be my new servicer, effective XX/XX/XXXX. On XX/XX/XXXX, my XXXX loan payment increased from {$210.00} to {$260.00} ( approximately {$50.00} ). 

I called Nelnet in late XX/XX/XXXX to try to understand the ~ {$50.00} increase, and received no answer. I requested an amortization schedule, and was told that would not be possible. I called back Nelnet on XX/XX/XXXX ( today ), and explained to the representative that I wanted to understand the {$50.00} increase, and my understanding is that I have approximately 10 years remaining for my consolidated loans and 5 years remaining for my variable rate loans. After a long pause, she returned to say that there is good news, and Nelnet has put my loans on a 25-year repayment schedule effective today, with 201 installments remaining, and a monthly payment of {$140.00}. I explained that I am not interested in 25 years, and requested a 15-year and 10-year plan, as I had thought I originally had in place. They said this is not possible. I also requested an amortization schedule for the second time, and was again told that would not be possible. Nelnet could not explain the {$50.00} increase either, so I filed a complaint with Nelnet. Nelnet indicated that I was paying too much every month, but could not explain why then XXXX/Nelnet does not owe me money or if my principal & interest owed have been accurately reduced as a result of these " over payments. '' Here is background on my XXXX Loans ( taken from email records ) : On XX/XX/XXXX, all of my loans were switched from a standard 10-year level repayment plan to a 15-year level repayment option. 
On XX/XX/XXXX, Account -2, with a variable interest rate, was adjusted to a 25-year extended repayment option, effective with my XX/XX/XXXX installment. The new monthly payment amount was approximately {$220.00} on XX/XX/XXXX. Account -3, with a variable interest rate, was adjusted to reflect the graduated repayment option for a 15-year term, effective with my XX/XX/XXXX installment. The new monthly payment amount was approximately {$78.00} on XX/XX/XXXX. ( Account -1, which is consolidated with a fixed interest rate, remained on the 15-year level repayment option ). 

Promotions and Incentives : -XXXX XX/XX/XXXX letter : I am eligible to receive a 2.5 % interest rate reduction for the -1 account signing up for XXXX XXXX. 
-XXXX XX/XX/XXXX letter : I should have received a rebate of 1 % off of my -1 loan amount. 
-XXXX XX/XX/XXXX letter : I am eligible to receive ( 1 ) a 2.5 % interest rate reduction for the -3 account signing up for XXXX XXXX ; and ( 2 ) 1 % interest rate reduction after making 36 timely payments -XXXX XX/XX/XXXX letter : I should have received a rebate of 1.5 % off of my -3 loan amount. 
-XXXX XX/XX/XXXX letter : I should have received a rebate of 3 % off of my -2 loan amount. 
-XXXX XX/XX/XXXX letter : I am eligible to receive a 2.5 % interest rate reduction for the -2 account signing up for XXXX XXXX.
I heard, through a friend, about a promotional offer from Wells Fargo. The offer stated that Wells Fargo was offering a {$250.00} cash bonus when you set up a new " XXXX Checking Account ''. I went to my local branch located at : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX After meeting with a banker I was told that they did not have any way to honor the offer, but that I should come back in one week and they would be able to do so. Instead I went online to set up the account, following all the instructions on Wells Fargo 's offer page for this promotion ( https : //www.wellsfargo.com/XXXX I then received an email that my application had been successfully received -- this email also included instructions for the bonus offer. After five days of waiting I had not heard anything else from Wells Fargo regarding my new account, so I called their customer service line for clarification. I was informed by a representative that I did not qualify for the promotion since I had not received an individualized email offer code for this particular promotion, even though such requirement was never mentioned once on their offer page, or in the confirmation email, or indeed at any time during the application process. 

It really seems like Wells Fargo put out a promotion to earn new customers without any intention of honoring that promotion. I would never have set up this checking account if not for this special offer. I feel completely duped. This seems a clear case of false advertising to me.
I have a so-called debt from Blakely Witt and Associates out of XXXX TX. That claims that I owe them {$4200.00}. This is a debt that I do not recognize or even know where it originated from I can never seem to go through to these people. When I ask them to validate a debt its like they refuse to do so. 

I have never even done business with Blakely-Witt and Associates. Little on created a {$4200.00} debt.
My student loan is with  Navient w ho is Ina major lawsuit for scamming their customers. I feel as if they have cheated me on interest and hides fees. They ruined my credit and put me on deferment and other things that I did not ask for it just seems like I am never paying them off after I make my payments it just seems like it does n't make a difference. I think they are doing the same thing to me that they are doing to other students. I would like to see if I can get a student loan forgiveness. Because this is just getting ridiculous.
Warner Asset Location Services called my mother, my friend, and my sister with regards to a debt I owe them on  XXXX   XXXX ,   XXXX  .     I just received another call from my sister advising they called her again as well as called her husband and   XXXX   daughter on  XXXX   XXXX ,   XXXX  .     The second call being after I spoke with them and set up a payment arrangement. I have also not received a written notice to what the debt was nor was I sent anything regarding the payment arrangement.     I looked up the law and it states they are not allowed to disclose to another person the reason for the call and on both instances they advised my sister, they were attempting to collect a debt. They also left a message on her phone looking for myself as well as my mothers phone.
Nelnet keeps sending me increasingly aggressive and threatening emails. The last of them, on Thursday, XX/XX/XXXX, states : " [ ... ] continued delinquent reporting, to the national credit reporting agencies. Legal action, including property liens and wage garnishment. Default and the obligation to repay your student loans ( sic ) in full to a collection agency. '' Nelnet has altered, doctored, manipulated my loan repayment plan. They suggest that I am behind in payments after having first placed my loan in forbearance of which I did not request. Thus, instead of the income contingent repayment plan, which I would not be required to make payments, forbearance set me behind in number of years remaining before my loans can be forgiven. Additionally, Nelnet has an extraordinary amount of documentation that I have been sending to them for many years. Nelnet has my official social security yearly forms without interruption at least from XX/XX/XXXX and many others documents, such as the ones proven I 'm receiving EBT ( " food stamps '' ). Nelnet knows as well that my monthly Social Security check is for {$260.00} and they know that my yearly income they have the forms showing it, for I sent them to Nelnet with religious punctuality is less than {$4000.00}. Which means, unequivocally, that I 'm living much lower than the Federal " poverty line ''. Nelnet knows as well that I live in a XXXX XXXX XXXX XXXX for senior citizens with very low income. Nelnet knows also that I 'm XXXX years old, and, therefore they are harassing and abusing an elderly person. Is Nelnet going too garnish the {$260.00} dollar a month of my Social Security ; is Nelnet going to put a " lien '' on my food stamps or perhaps on monthly S.S check?
Hello, Over the course of the last 9 months, I have received non-stop daily phone calls from Ocwen Financial Corporation regarding an amount in excess of {$500.00} that they say I owe even though my loan ( closed end second mortgage ) matured in XX/XX/XXXX and I have never in 20 years made a late payment. My loan should have a {$0.00} balance. I, as well as my daughter, have called Ocwen more than 5 times over the past 9 months to try and determine what this amount is for and the people that answer the phones have no idea. Every time we speak with them we get the same story " I 'm sorry, I do not understand why you have an outstanding balance as it looks like all of your payments have been received on time. '' " I will open a research ticket and have someone call you back with an answer as to what this amount is for. '' No one from Ocwen has EVER called me back. NO email, NO regular mail, NOTHING! So, on XX/XX/XXXX, I submitted a formal QWR ( Qualified Written Request ) via fax, regular first class mail, and through their website. Today, XX/XX/XXXX, I  received two emails from them 1 ) with a payoff quote and 2 ) with a copy of my Promissory Note - neither of which I asked for. To date, I have not received an acknowledgement letter of the QWR I sent them nor have I received an answer as to what this money they 're asking for is for. And to top it off, I am now getting threatening letters from them stating they are going to place a lien on my property and foreclose on it if I do n't pay the $ 500+ they are asking for. How can I owe anything if my loan has been paid in full??? All fees and everything have been paid. The payoff statement they sent shows that this $ 500+ is for principal. How can that be when my loan matured 4 months ago???? I am in my XXXX 's and a XXXX widow - I can not handle this kind of XXXX. Why is it so hard to tell me what this balance is for? It 's ridiculous. Please help me. They are probably reporting this to the credit bureaus and ruining my credit as well. I am begging for an answer. 
I have attached a copy of the QWR that I sent them on XX/XX/XXXX. Thank you for any help you can provide in getting an answer from them. 

Sincerely, XXXX
Please substantiate your claims regarding information XXXX XXXX XXXX # XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX XXXX  XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate FIRST XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
My Account from XXXX payment history was disputed in XX/XX/2017. The payment history was deleted due to inaccuracies in reporting. Equifax sent confirmation of the deletion but then re-reported it 6 months later and is refusing to delete it although I have written proof form Equifax of the deletion. This reapplication of this payment history was after Equifax erroneously split my credit file. Now they are refusing to restore it to correctness.
The kohls account has been write off as a debt lose I would like it removed from my credit report they refused
I was never given a trial to discuss my situation. The mortgage company never gave me a fair loan modification base on my type of loan.
Account was not verified or  Consent was  not givin prior to reporting under the FDCPA.
My HELOC was interest only and became Interest and Principle to be paid in 5 years. I asked Specialized Loan Servicing to do a HAMP2 to make my home affordable on this XXXX mortgage, I have a Hamp on the XXXX. They refused and did a modification lessening the payment by about {$80.00} a month Payment $ XXXX per month. Now I am asking for a modification or short pay buyout and this has been going on since XXXX XXXX, 2015, they keep saying they have not received the documents requested and I have email them many times. Attached are the Documents they requested and said they did not receive.
Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from XXXX, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX/XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.
I consolidated my loans with a company called Ameritech Financial and signed up on XX/XX/XXXX. They started charging me fees on XX/XX/XXXX and told me that these payments would go towards paying down my loan. They told me if I kept paying through them for 25 years that whatever I had left to pay on my loans would be forgiven. I paid them all the way up until XXXX of XXXX and they charged me a total of {$2900.00}. The FTC sent me a letter stating the company was a fraud and was not paying our loans. I went to log into my loan service provider XXXX and saw that they had not made any payments on my behalf, but just simply put a forbearance on my account. I called them today XX/XX/XXXX to cancel my account with them and they said they will get customer service to call me back within 48 hours.
I contacted this company on 3 different occasions requesting that they delete the a bankruptcy that they are inaccurately furnishing on my credit report. Despite my very specific request the company continually handles this matter grossly negligent. Besides the fact that this public record is not correct I contacted the Attorney General in reference to this matter and was advised that effective XXXX/XXXX/XXXX that because the large amount of errors that the consumer reporting agencies furnish in regards to public records that any record that does not have qualifying identifying information such as name, date of birth, social security number, and address must be deleted. I was also informed that a company called XXXX XXXX provides the inaccurate information and since then I have froze and suppress those records as its my right. The record that is being reported does not have any of the qualifying information. I was asked to provide a copy of my identification I did that over 2 months ago and to no avail has this matter been resolved. I am prepared to use all the correspondence I have attempting to resolve this matter and file a lawsuit. I will seek monetary damages in the maximum amount allowed by my state. This inaccurate record is causing an unnecessary hardship.