WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/15 a wire in the amount of {$60000.00} was wired to Specialized Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO in error. A second wire in the amount of {$16000.00} was also transferred to them, which was not in error, this wire paid off a valid account. SLS called on XXXX stating the wire was received by mistake and said they would return it. They did not. My bank recalled the wire on XXXX and XXXX. They have still not returned the money and refuse to speak with anyone about the account. An associate with XXXX Bank has authorization to speak with them but they are still refusing to acknowledge the situation. They are unlawfully holding {$69000.00} that does not belong to them. I need help getting this resolved ASAP. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX
In XXXX 2010, I transferred my consolidated federal loans to FedLoan Servicing so that I could be a part of the Public Service Loan Forgiveness ( PSLF ) program. This program says that when you make 120 on-time qualifying payments while working full-time at a qualifying public service job for 120 months, your loans can be forgiven. 

When I transferred my consolidated Federal loans over to be a part of PSLF, I remained on an Extended Standard Repayment Plan ( 25 years ). I had a phone conversation with a FedLoan Servicing customer service representative to confirm I was doing everything correctly so that I would qualify at the end of my 120 payments. I was told that all I needed to do was submit paperwork from my employer to prove my service throughout the 120 months. That is what I remember and took away from the conversation. After years of making repayments, I have come to realize I have been on the wrong repayment plan. I should have been on the Income-Based Repayments Plan. I think that FedLoan Servicing did a really poor job at communicating this and made those terms very unclear. Also, I was paying more on the Extended Standard Repayment Plan ( {$350.00} ) than I would have on the Income Based Repayment Plan ( {$200.00} ). I would like those years of service and loan payments to count toward my loan forgiveness.
I have been receiving emails and phone calls from Lexington Law Firm for someone who has a similar, but different name. I have responded to the email and attempted to call Lexington Law Firm to inform them that they have the wrong person. I continue to receive emails and phone calls for the wrong person. I am going to check my credit report to make sure that all of the information on them is correct.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Common Wealth Financial XXXX XXXX Re : Acct # To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered on XX/XX/XXXX that the item has been reinserted on my credit report. Look at the dates of the photos how my credit was perfect. Common Wealth Financial posted a bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice  to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
On XX/XX/2018 I opened an account with CIT bank and deposited XXXX. Since then I have been trying to transfer my money out after it cleared and they told me my account was under review. 30 days late and it is XX/XX/2018 and I am still not able to withdraw my funds from this account. They said it was still under review, are very vague with me about what's going on, never return my calls, and said they have no idea why I can't access my funds after 30 days of it being on hold for a so called review. This is a horrible bank. I just want to transfer my money out of this account and close it but they won't let me. And they told me they would send something in the mail to me. They dont even know what it is they are sending me and can't tell me. I've called 8 times over the course of a month and never received anything. I just want my money!
Tried to obtain my annual credit reports. XXXX was no problem. XXXX and Experian both were unable to send. XXXX questionnaire asked questions but none were related to any information about me. Experian did not even ask questions simply stating they were unable to send online. Both want me to mail my requests and submit my PERSONAL information via the mail which I feel further exposes me to credit theft.
Scam collections is reporting two accounts on my credit report one for a  XXXX balance and one for XXXX. I have not received information from them reguarding the balances owed and even after trying to pay just to have it cleared off of my report SCA Collections refused to remove the paid balance and is still Showing XXXX on my credit report. I do not believe these bills to be accurate or factual and have received no Information from SCA to prove they are. Please delete both accounts from my report
My data was part of the Equifax data breach. An unknown entity now has my information due to Equifax 's negligence.
I have a 20 year conventional mortgage that is being serviced by PNC Mortgage. I wanted to make an extra, principal-only payment on my mortgage, of {$30000.00}. I logged in to my PNC Mortgage account, and found an option to make a payment. But, there was no option to make a principal-only payment. In the small print, it says " How is the Payment Amount applied to my mortgage? ". When I click on it, it says, " Funds received will be applied to principal, interest and escrow ( if applicable ), satisfying as many full monthly payments as possible. Additional funds received will be applied to outstanding fees and then to additional principal if your loan is current. '' I think this is completely wrong, that they do not give you an option to make a principal only payment, and that they automatically just make as many monthly payments as they are able to with the extra funds. This benefits the bank, and costs the consumer, because the consumer ends up paying much more in interest than they otherwise would. 

I suspect that most consumers do not realize the difference that making an extra payment, to PRINCIPAL ONLY, can make to their equity and how it reduces the interest over the life of the loan. 

I called PNC Mortgage to see if there was a way to make a principal only payment online, and I was told that there is not a way to do that. So, I ended up mailing a check, and wrote all over the check " PRINCIPAL ONLY '', so hopefully it is applied properly. It has not cleared yet.
I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA.
There is a lien on title showing from Ditech. I have contacted numerous people at Ditech and have yet to come up with a resolution. The mortgage was refinanced and we faxed over the HUD that paid off Ditech almost 4 weeks ago and have yet to get anything resolved. I am in the process of refinancing my house and with this lien on title we can not move forward..
XXXX placed a collection debt which does not belong to me. I have mailed a written request asking for validation of the items and have not received assistance or information to dispute the items.
Filed a dispute on a XXXX XXXX charge for {$24.00} that was unauthorized but havent received credit for it. Also a bill pay check for {$70.00} was disputed due to the check being returned to me and Amex Bluebird hasnt returned the money to my account after filing a dispute.
Lender has repeatedly missed its own deadlines to review my application to release cosigner. Pursuant to the terms of this private student loan ( bar loan ), loan is subject to co-signer release after 48 months of consecutive monthly payments. I have made these payments. On XX/XX/2017, I submitted a request for cosigner release and was informed that my request would be processed within 10 days. After these 10 days, rather than a substantive response to my request, I was provided with a blank application to fill out, which I did, notwithstanding the fact that it should not have taken 10 days simply to provide me with a blank application. Now, more than 10 business days have passed since I submitted the complete, signed application, and the lender has not responded to my application, even though they stated that all requests would be reviewed within 10 business days. PNC 's intransigence should not be permitted.
There were multiple charges from " XXXX '' on the XXXX XXXX ( which Chase converted to a XXXX card despite our objections ) that are in dispute and should be removed from this card, along with all related interest and fees. Chase has not addressed these concerns as of now. 

The following are the disputed transactions : XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$110.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$290.00} XX/XX/XXXX XXXX {$50.00} The total amount of the above disputed transactions is {$1900.00} + INTEREST. 

Additional documentation can be provided upon request.
XXXX XXXX ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018. 

This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
I submitted a complaint previously against Pentagon Federal Credit Union, Case # XXXX, which resulted in a response from XXXX stating that Pentagon Federal Credit Union would reduce the interest in the amount of {$540.00} for 2016. This was in response to my complaint of extra payments not applied toward principal as per my request. I believe that the {$540.00} should have gone into principal and not in a reduction of XXXX XX/XX/XXXX, I received a letter stating that a new escrow analysis revealed a shortage of {$520.00} over 12 months which I paid in order to keep my payment at XXXX. XXXX is not applying payments correctly online as per customer request. I have to call to have them correct it on a consistent basis. I made my XX/XX/XXXX payment {$10.00} over the XXXX XXXX {$950.00} XXXX payment as per XXXX on the letter dated XX/XX/2016. The {$10.00} was not applied toward principal. This is after flagging my account to service it correctly.
Receivables Performance Management ( RPM ) sent a letter stating that we had been sent for a debt collection for XXXX in the amount of {$380.00} for services XX/XX/2016. We did not have XXXX services then, nor were we even eligible to get their services as they were not in our area at that time. We called XXXX to verify the fraudulent claims and they have verified that for us. RPM continues to harass us for a debt that is not ours!
There is a report that I received a speeding TICKET in Illinois on XX/XX/2016. I wasnt anywhere near Illinois in XX/XX/2016. I was down south when it states that this ticket was issued. I have no idea of how this ended up on my report.
On XXXX XXXX, 2015, Experian charged my XXXX XXXX credit card {$59.00} for credit motoring which did not order. They got credit card information from last year when I purchased to view my credit score. I call and disputed the charge on XXXX/XXXX/2015 and they only returned {$29.00} on XXXX/XXXX/2015. 
I would like Experian to returned the full amount. 
Thanks in advance
I have disputed owing the debt to all credit reporting agencies and despite bank statements, it remains on my credit and causing undue stress.
Ive received 2 voicemail 's from the XXXX XXXX XXXX representing XXXX in regards to a debt for my business. I called and spoke with XXXX, who stated that I owed a debt from a policy that I had from XXXX XXXX to XXXX XXXX. I had no knowledge of the debt so I asked for additional documentation. He could not provide that but offer to give me the contact of the debt collector. The gentleman by the name of XXXX XXXX was rude and could n't provide any additional information in regards to this policy/debt and asked me not to contact him anymore. Both parties will not send any documentations and I will not claim a debt that I have no documentation for. I have included the times and dates of our conversations. 
XXXX Voicemail ( Law Firm ) XXXX Voicemail left by XXXX ( Law Firm ) XXXX ext XXXX Case # XXXX Policy # given XXXX XXXX/XXXX/XXXX Phone calls between myself and XXXX XXXX Phone call between XXXX ( XXXX contact ) , contact # XXXX Please investigate this matter
My student loan that was opened originally through XXXX in XXXX. I had good working relationship with them in handling my student loan payments. That loan was sold to Discover around XXXX or XXXX and since have not success with working out terms of my repayment which fit my current situation which resulted in a number of late payments that are showing up on my credit report from these loans. This late payment occurred due to a job loss and was underemployed for some time. I also had a child in XXXX which was an added financial stress along with these student loan debts coming due during the same time. As a result, I struggled to maintain the excessive payments I was told to pay without any regard for the lack of income I had at the time. I was completely unaware and was never educated on when these student loans came out of deferment, and I was never counseled on the options to keep the loan in deferment/forbearance while I seek gainful employment and was only told come up with the money or get reported to the credit agency. After several years of going back and forth with this company, I am finally able to shift financial obligations around in order to get on track with keeping up payments on a regular basis. 

I am not disputing the fact that these payments were late. I am simply writing this letter in hopes of receiving a good will gesture from Discover. I have worked extremely hard to get back on my feet and repair my credit. I am at a point now where I am attempting to buy a house. Having these late payments on my credit report is making it very difficult for me to get financing for a home. As I said, I understand why these late payments are reporting, but I do not feel that they truly reflect my credit worthiness and my true payment pattern. Things would have been much different if I had been counseled and made aware of my repayment options when the loan came out of deferment. 

I am asking, as a good will gesture, that these late payments please be removed from all XXXX credit bureaus. I also have an account that was charged off because the payment was a few days late and the company still maintains and collects payment on but is showing on my credit as charged off and no payments are being made. I have taken the time to educate myself on how to avoid this from happening in the future, I have taken responsibility, and I have worked extremely hard at bringing all of my loans current and keeping up a steady pattern of positive payments. I know a lot of borrowers have struggled immensely at making timely payments and settling on fair repayment agreements with lenders over the last few years, and I would like to think that I am in the minority of people who have taken the time and effort to straighten my situation out with little to no help from anyone but myself. Hopefully my efforts will be rewarded and you can see fit to remove these late payments particularly the charge off from the XXXX credit reports as I look forward to a great future for me and my child.
I paid off my CitiBank Visa in XXXX or XXXX. I do n't even have the card or a bill anymore to reference the account number! 
Today XXXX/XXXX/XXXX i received a letter that I owe {$120.00} + {$22.00} in interest and {$260.00} in fees with a total of {$400.00}. AND they are sndthe account to XXXX XXXX XXXX. Which I believe is a collection agency. 
I want to know how all of the sudden I get this bill after at least XXXXXXXX years of this account being paid off. Please Advise I am afraid this is going i ruin my credit.
I deposited a check for {$1400.00} into my account on XX/XX/XXXX. Due to my account going negative back in XX/XX/XXXX they are placing a 5 day hold on any check deposited into my account until XX/XX/XXXX. When I paid my mortgage, the funds were not to pull from my account until XX/XX/XXXX, however due to a typo, the funds withdrew on XX/XX/XXXX causing my account to go negative again. By Ally having the additional hold on the check that I deposited, it is causing me an additional hardship and exra fees.
There is a collection account that is inaccurately reporting on my credit reports from XXXX XXXX. I have sent letters asking them to verify and validate the collection account as it is not mine and I have never ever did business with them. I am claiming it to be identity theft and someone is using my information for this claim.
The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have filed dispute to Transunion but they do n't give me proper notice of the investigation
On XX/XX/2016 I had {$360.00} in overdrafts posted to my account. On the end of business on XXXX/XXXX/2016 my ending balance was {$4300.00}. Posted transactions on my account for XX/XX/2016 was {$3200.00}, which my available balance on the end of business day on XX/XX/2016 should have been a positive {$1100.00}. I was assessed XXXX overdrafts on many of those items that were posted with a positive balance for a total of {$360.00} This bank is crooked with ghost overdrafts.
I am filing this complaint against Equifax for refusing to remove a public record account that does not belong to me on my credit report. I have a written statement from the creditor supporting my claim. Equifax is confusing me with another " XXXX XXXX '' who has a different social security number. 

Dealing with this credit reporting agency has been a nightmare because no investigations have ever been made to prove that this belongs to me. The letter I have from XXXX XXXX XXXX XXXX clearly states that the account belongs to a man called " XXXX XXXX XXXX '' and that is not my name. My name is " XXXX XXXX XXXX. '' I filed a complaint before through this portal only to receive the following response from Equifax : " Equifax has reviewed your complaint and its records regarding your dispute. The Judgement case number ending in XXXX has verified name and address to be correct as reported on the credit file. '' The above response is what I have been receiving for MONTHS and is unacceptable. Why did I have go to these lengths to contact the creditor myself to prove that this is not mine? I want this complaint to be viewable by other consumers on the CFPB so they can see the utter disregard of the law this company employs in its practices.
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
portfolio recovery ass. llc continues to report old debt in violation of the fair reporting act and is effecting my credit
I recently filed for Chapter XXXX Bankruptcy and the Bankruptcy discharge was received on XXXX/XXXX/XXXX. My home mortgage was not included in the Bankruptcy and was not discharged. A reaffirmation agreement was not submitted for the home mortgage as it was our primary and only residence and we were not required to re affirm the home mortgage debt. I have had the mortgage/loan since XXXX XXXX, have never been late and never missed a payment. Since filing for bankruptcy in XXXX XXXX my mortgage lender has stopped sending monthly statements. After the discharge was received the mortgage company refused to submit my monthly statements. I have called 3 times since XXXX XXXX XXXX requesting to have my statements mailed and the mortgage company has refused to do so. The mortgage company stated if I do not submit a re affirmation agreement for the loan they would not report the on time payments to the credit bureaus and would not submit monthly statements. The bankruptcy has been completed, the discharge has been received and the mortgage company refused to send me monthly statements.