WillisBack/dataset-financial-user-claim huggingface dataset:
I asked XXXX  to remove.this old 12yr .account They say they did .but the red late marks still exist.

The problem.is that the student loan put me.in forbarence and mamy times. Once.a.whole.year So at that time I was told I didnt have to pay But the loan company continued to hold me to the payments and add all these unnecessary fees When I first got the loan I was a child XXXX years old poor, living in the projects with my mom The school persuaded me to get this loan. When I didnt even know what a loan was. It was for {$7000.00}. Now over 30yrs later its about {$14000.00}. I want all thoes fees dropped and all the money I ever paid to be applied to my original {$7000.00}. The Loan company which is no longer in existance still has derogatory late fee marks on my credit. If the governor dont go back to the original amount from XX/XX/1977, I am going to stop paying all together and then they will get none of the money back I dont care if it goes to 100,000. I OWN NOTHING for them to take anyway. I am getting ready to retire and enough is enough. I have rights too And by.law the loan company dont have a right to put stuff on my credit report without my permission. As of now I am suppose to be in forbarenced but if I stop paying they report it on my credit report as late or not paid as they have done in the past. Yhe old companies lied and swindled me and other students. Much of what was paid by me and other students was never even applied or recorded and still marked as late which is why they went out of business I want 1The residue of any red or negative remarks remove from my credit from past years and 2. My.loan returned to the original amount and all that Ive paid applied to that amount.

3. Any of my rights the Loan company has not abided by to be honored.

Ive been working in the XXXX  XXXX  for over 10 yrs. XXXX XXXX and XXXX  XXXX. I applied for Forgiveness and no response returned. Please help thanks. If you need more info please email me at XXXX or XXXX and in the subject put. For Ms XXXX consumer help. Thanks for listening. 

Please publish without my email address .thank you.
On XX/XX/XXXX I received an auto loan from prestige financial for a XXXX XXXX XXXX. The original loan amount was for {$16000.00}. In XX/XX/XXXX I was attacked by 3 dogs, left unable to work, and in the end lost my career as a XXXX and unable to pay my car note as originally planned. From then on it was chaos in every sense of the word, whenever I had to communicate with prestige financial ( particularly XXXX who was very demeaning, threatening and just plain disrespectful ). If they werent misreporting my payments then they were completely dropping the ball on their end. I was made empty promises on numerous occasions. In XX/XX/XXXX my garage door was opened by a repossession agent, my belongings that were leaning against the car ( ie : daughters bicycle, some trim molding, and other items ) were removed from my garage and and set outside, to lean against the exterior of my garage, where they were left in order for the car to be removed from my garage ( that Was closed, all but 10 inches, that I left open to air out the garage ). After they took possession of the car I had to immediately contact them because I had thousands of dollars of my company tools, my daughters belongings, amongst many many other items in the car that I needed. They immediately acted like everything was a game, that they didnt need to answer any of my questions in regards to the location of my personal and business items. By the time I finally got someone to return my phone calls almost 4 days had passed and i was told to contact someone else ( I have no idea what company this gentleman was with ) I was made aware that my car was transported to XXXX, AZ with all of my belonging in tow. They also said that even if I found a way to XXXX, which was approximately 3 hours from my residence, I would have to pay $ 600+ and they would be adding {$100.00} per day storage fee. So needless to say, I lost ALL of my companies tools, personal belongings, and many other items. From that day forward I never heard another word from Prestige. Many many failed Attempted calls and multiple voicemails and no response. Next time I heard from prestige was via USPS that they had sold the car and my final bill was enclosed for {$14000.00}. I was never made aware that car was even going up for auction, where, when or how. They did not make all attempts to perform the redemption of collateral sale in a commercially reasonable manner. '' In other words, the lender DID NOT make all attempts to sell my car for AT LEAST its fair market value ( which is {$8600.00} as of XX/XX/XXXX, almost 2 years after the original redemption of collateral was performed ) Selling the car for less than market value imdicates the sale was NOT commercially reasonable, and therefore in violation of the law. I am currently in the process of trying to repair my credit in hopes of buying a home but this faulty collection account is really affecting my score and overall debt amount. I have exhausted all my resources on solving this matter with the lender to no avail.
XX/XX/XXXX XX/XX/XXXX Company or " law firm '' I believe to be XXXX XXXX   representing the creditor has threatened lawsuit and damaged credit with multiple accounts/inquiries. Charging more than the original debt. An attorney from California ( XXXX attorney name and address was based in California ) filed a complaint with the state of Oregon as of XX/XX/XXXX. XXXX XXXX suggested filing an FRCA Complaint if the acronyms are correct. I am being forced into bankruptcy because of outstanding balances. There is a 2nd party on some of debt in question.
On XX/XX/XXXX I had a return flight from XXXX XXXX to NY with XXXX XXXX. Then next flight out they offered me was 4 days later. I had to go to work so did my husband and my kids had school. So I had to book another flight with another airlines costing me {$1800.00}. 
So I wanted my {$700.00} back from XXXX  since we never used their service. They over booked their flight. I asked them for a refund and they denied me. They I went to the credit it card I charged it on which is a Bank of American XXXX card to disbute the charge and they denied me. They had sent me a form in the mail which I filled out and sent back the next day. Sometime after that I had received a letter in the mail telling my I was denied. I called to tell them I want to dispute this further and they said my time ran out. I said how can that me when I just received your letter in the mail today. They said sorry. I said this is a scam I asked to speak to a manger and the manger told me sorry can't do anything.
Toledo Finance Corporation has stated that they do not know who I am. I informed them that I have never attempted to get a loan from Toledo Finance Corporation. However there is a hard inquiry on my report from this Loan Company. Please have them remove the hard inquiry listed on my credit report. on XX/XX/2016. I should not have to ask this company more than once to remove my information from their system. I should also be compensated for the emotional distress that this has caused. This company is attempting to gather peoples information and process fraudulent loans in their name or fraudulent loan applications in their name for the sake of number or to be efficient sales people. This is fraud and a violation of several laws. I need the address for this company a corporate address to pursue this matter in a small claims court. 
XXXX up | Log in Print Toledo Finance Corp XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Inquiriesclose XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue. 
Date Inquirer XX/XX/2016 XXXX XXXX
This loan started out as a {$3100.00} private student loan : XXXX Lender : NAVIENT PRIVATE LOAN TRUST ( XXXX originally ) Disbursement Date : XX/XX/XXXX Original Principal : {$3100.00} I have been paying interest only on this loan since XXXX ; however, the loan has ballooned up to {$5100.00} with an interest rate of 6 %. The interest only payment ends XX/XX/XXXX, wherein the payment will increase significantly. My complaint is that this loan balance should not have doubled since I have being making interest payments for almost four years. This student is being scammed by Navient.
incorrect information reported XXXX XXXX 2017 by XXXX  and transunion.
I have filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX XXXX XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report XXXX.
XXXX XXXX XXXX XXXX has been attempting to demand payment for a debt that I have already paid. I have contacted them on several occasions to provide proof that this debt was paid, however, they refuse to clear the account and continue to contact me and demand payment. <P/>I first contacted them on the phone after receiving a bill. I explained the situation, however, they continued to send notices. <P/>On XXXX XXXX 2017 I contacted them again via written letter. I included the account number, violation number, the check number it was paid with, and when it posted to my account. I never received a response. They continued to send me notices demanding payment. <P/>On XXXX XXXX 2017, I wrote another letter and enclosed copies of the checks that the client they are collecting for cashed. They are still sending notices. <P/>On XX/XX/XXXX, I contacted the original creditor who sent the debt to the collector ( XXXX XXXX ). They stated that I would receive a return call, but I never have.
Subject : Billing Statement Dear sir/madam, This letter is regarding my Home Depot Credit Card Interest rate. I must begin by saying I have been a loyal customer since 2015. I have always paid my dues on time and I always pay more than the minimum requested. Home Depot uses promotions as an appealing way to entice their customers to join their credit card services. I signed up for the home depot card with the entry offer being 12 months zero interest. So, I was quite surprised with I opened my online statement and see that I went from a zero percent interest rate to a {$210.00} interest charge, especially being that my bill was only a remaining balance of {$560.00}. When I called Home Depot to discuss the large interest charge I was told the following : Customers are given zero percent interest rate for the first 12 months. I kindly asked where home depot came up with the calculated large amount considering the remaining balance was so low. The representative went on to explain that in the fine print of the final statement it states that if the remaining balance is not paid before the final statement, then the customer is charged a 12-month interest rate of 25.99 % for the year. The representative went on to explain that no one can assist with adjusting the rate and I have no option but to pay the increased rate.
So, Home Depot went from what I thought was a zero percent interest rate to now a rollover interest rate of 25.99 %. So, 25.99 % of {$560.00} is {$140.00}, yet I am paying a 37.6 % interest rate for the year. So, not only am I blindsided with their fine print agreement but I am being charged interest on top of the interest rate. I feel betrayed that I as a loyal customer for 3 years with no tardiness and paying more than the minimum due that Home Depot would not do more to personally notify their loyal customer of such an increase and make matter worse do nothing to assist them. This is a way for conglomerate companies to take advantage of their loyal customers and charging an in-interest rate of 37.6 % is outrageous.
I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. XXXX XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; Experian, XXXX and XXXX but I never heard any of you. I want my credit report updated and this account removed.
On XX/XX/XXXX I received the first and only notice from XXXX XXXX XXXX services stating an offer of settlement option to resolve the account balance only valid for 30 days from date of XX/XX/XXXX. Settle the balance of {$340.00} by making a one time payment of {$200.00} in 30 days. XXXX XXXX XXXX XXXXbalance {$340.00} serv date XX/XX/XXXX. As this was the first and only notification of debt, I called XXXX for information on what was owed and why. I was told they have no information on what was owed or why they are only the collection agency and could not help me. Being a medical Bill I called XXXX XXXX which is an umbrella health care in my area. they had no record of me what so ever of me owing any bill. I called XXXX back and informed them of this information, they informed me it did not matter I still owed the money, and it was not XXXX XXXX it was XXXX XXXX XXXX, I aked to speak to a supervisor and was diverted to voice mail. Upon calling XXXX they have no record of me owing them anything and since XXXX says what I owed was from XX/XX/XXXX XXXX   informed me I did not start with them until XX/XX/XXXX and gave me some helpful advice to ask XXXX. I called XXXX for the third time and informed them of what I had learned, they said they didn't know anything about that and I still owed them the money. I asked for 3 things, 1. written official validation notice. 2. Proof of XXXX license number. 3. What state of license number and physical address as a PO Box is a red flag. I was refused this information and diverted to a supervisor voice mail. That was my last contact with XXXX and am asking what I should do next. I am willing to pay a debt that I may owe, but I need information on what the debt pertains too, not just that I owe it period with out giving me any information as what the debt is for.
This collection agency is trying to collect money from me on the behalf of XXXX  when i never had an account with XXXX to begin with .... I've been disputing this account for years .... now they trying to collect .. please note that even on the printed bill they sent to me the name does not match mine and the address they have on there don't match my address ... i also sent sprint a fraud package with a police report in XX/XX/2018 but i doubt they really looked into the situation. When i try calling the fraud department no one answers ...
I have an address on my report I dont recognize and have never lived there also the phone number XXXX has never been under my name THE XXXX NY XXXX
XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said their INVESTIGATION determined that my identity theft ( which was acknowledge by the IRS ) was / is unrelated to the use of my information to get medical treatment. The IRS does not respond to 3rd party requests. It is very difficult for me to get through to the IRS on my own account. So how did XXXX arrive at that conclusion My signature is not shown or seen in any of the documents given XXXX XXXX has sent me a bill with a different address than my own from XXXX. 
The address written in for the affidavit was the address used at the time of fraud I have NEVER resided at XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX is the date of the letter not the date the letter was actually sent. No correspondence From XXXX was received until XX/XX/XXXX A spreadsheet with names and numbers does not verify this accounts as being mine. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX ( please see attached docs ) In their response to the CFPB XXXX   claims to DEMOGRAPHIC information provided by XXXX. What information would that be? 
XXXX XXXX 's investigation and reporting are not lawful
XXXX I was transferred to Well Fargo Bank as a re-finance.I was current status until XXXX XXXX. I was experiencing grave hardship.!. the mortgage escalated through flood insurance coverage.2.loss of income. ( stock market crash hit my chosen career hard from 2008. ) 3. loss of child support. The bank has written to me their intention to assist me and avoid foreclosure, but every time I pleaded for mercy and assisstance, it was a denial or an obstacle.I petitioned the Home Preservation Team XXXX. These dates fall into the time line of the news story that broke on XXXXLoan modification applicants may have been pushed into foreclosure by a computer error.There was a court hearing in XXXX, N.J . on XXXX XXXX.Honorable Judge XXXX XXXX ruled a temporary extension to an eviction through The Sheriiff Dept.of XXXX XXXX.Wells Fargo bought the house back. I believe there is a way to negotiate and rescind the property back to myself.This is an urgent matter.Enclosed documents.
My personal information, possibly including name, Social Security number, birth date, address, and drivers license number was kept insecurely by the credit reporting company Equifax. This is a company I have no choice but to do business with, as my information is reported to them whether I want it to be or not. As a result of their mishandling of sensitive information, I am now vulnerable to identity theft. 

In addition, after the data breach was detected by the company they delayed in notifying the public, and require affected individuals to check themselves to determine if they were in the data that was hacked.
Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with   XXXX   ( formerly  XXXX   XXXX   ).   Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had  XXXX  re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.
Please be aware we have and can provide a copy of an audio recording of today 's call in which multiple representatives from XXXX XXXX XXXX repeatedly refused to send my husband a letter describing why they started calling his cell phone on Saturday. Excerpts of that audio recording are attached with this complaint. We have stellar credit and in recently purchasing a home reviewed all our credit reports. So it would be surprising if the calls involve collection of any legitimate debt and regardless, the tactics used in refusing to send anything in writing were outrageous. In both calls, including the one that we recorded this morning, the company 's representatives repeatedly asked for my husband to disclose sensitive personal information to them over the phone -- including his date of birth and even his Social Security number -- before they would agree to tell him why they are calling. The call was on speaker phone so we could record it. When my husband challenged the supervisor for asking him to provide his Social Security number in an age when identify theft is rampant, she demurred that she was just providing him options. When we both asked the company to send information in writing, because we 're not comfortable giving out personal information over the phone, they eventually claimed the company sent a letter on XXXX XXXX. We said we did n't receive any letter and asked them to resend it. They refused saying they ca n't send us anything XXXX even to whatever address they have on file and that they would have used to allegedly send the first letter XXXX without my husband first providing sensitive personal information to them by phone. Multiple representatives, including but not limited to a supervisor who said her name was XXXX XXXX, another employee who said her name was XXXX, and another supervisor who gave his name as XXXX, did this repeatedly on the call that we recorded. The recording shows that multiple XXXX XXXX XXXX employees flat-out refuse to send anything about their collection purpose in writing. If CFPB is interested in taking regulatory action against this company, we can provide the much longer recording. In addition, the company indicated that it also was recording the call for verification and training purposes. So CFPB can also seek a copy of the company 's recording to further verify our complaint about their tactics.
in   XXXX   XXXX   i sent   XXXX   XXXX    XXXX  checks totaling {$19000.00} to pay off my high interest private loans. the account numbers for these loans was indicated on the checks.   XXXX   XXXX   applied these funds across all of my loans, including the low interest loans. As a result, i am still paying on the high interest loans at the present time,  XXXX  years later. This has cost me alot of money. When navient took over sallie mae, everything was restructured and account numbers were changed, making it difficult for me to understand what is going on.
I was a member of  XXXX   XXXX   XXXX , which was acquired by Pentagon Federal Credit Union. The process of merging, transferring, and issuing new account numbers were phased-in over three months :   XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  .     I have had a  XXXX  Visa card ( " loan account '' ) since  XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account. During the phase-in transition however, the banking accounts ported over to the Penfed website  in   XX/XX/XXXX  , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .      In  XX/XX/XXXX  I sent a secure message to Penfed customer service about making my Visa payment, the response was to mail it, and I was provided an address. I se nt a Bill Pay p ayment from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX , I  receive a credit alert from  XXXX  that Penfed reported my Visa account as 30 days late. The effect of this reporting tanked my  credit score.      When I called Penfed 's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.