WillisBack/dataset-financial-user-claim huggingface dataset:
I currently owe {$110000.00}. I took out 4 loans between the period of XX/XX/XXXX-XX/XX/XXXX that amounted to over {$90000.00} in debt. I went to XXXX school from XX/XX/XXXX to XX/XX/XXXX, and therefore was able to defer my loans until after graduation. After I graduated law school in XX/XX/XXXX, I deferred my loans as long as possible because I took a low paying job. After all 4 loans became current, I opted to consolidate the loans in an attempt to lower my payment and make it one payment. I applied on my own and did not qualify so I had my mom cosign. My mom makes great money and has good credit so she was approved, therefore we were approved for the new loan in XX/XX/XXXX. I wasn't aware she would not be treated as a normal " co-signer '', which in my mind is more like a safety net. Instead, they take her income into consideration and my payment each month started at {$800.00}. In XX/XX/XXXX of this last year, I called them and asked about options to lower my payment. They said because my mom makes so much money, I wouldn't qualify. Again, my mom does NOT pay my loan. She simply guarantees it. I can not afford the payment, so I asked about other options. They presented me the option of deferring the loan for a 2 month period. I went through the application process and was told as long as I paid my payment for XX/XX/XXXX, my loan would be deferred for XX/XX/XXXX and XX/XX/XXXX. When I went to pay my payment in XX/XX/XXXX, I saw I owed about {$2500.00} instead of the usual {$800.00} payment. They had not approved my application for a forbearance but had never called me to tell me that. When I asked why they said because I didn't have a phone number on file. Not sure how a bank doesn't have my phone number or can't reach me. In any case, I should have never even been PRESENTED the idea of a forbearance because you apparently can not utilize that option until your loan is at least 9 months old and mine was not. Somehow that became my problem. I asked them again what I could do about the now {$2500.00} I owed at once and they gave me no options. My payment is now {$850.00} due to late fees, etc. and I owe the money I never paid during the " forbearance ''. I want to just default but I can't because my mom 's credit has now been negatively affected from the missed payments and if I default, I know it will hurt her credit anymore. I have called Wells Fargo multiple times over the past 6 months asking them for help with my payment. I would rather do the right thing and pay my loan, but {$850.00} a month is almost 40 % of my current income. Had they worked with me in the first place and set my payment according to my income rather than mine AND my mother 's I would have never requested the forbearance and I would be current with my payments. It's destroying my credit, my mom 's credit and my ability to pay my other bills having to pay this, and I just want Wells Fargo to work with me and allow me to lower my payment. I would think they'd like to get something from me rather than nothing ( in the event I default ).
Dear TRANSUNION I 'm writting to you Once again Inference to some Unverified items on my credit File but you keep failing to do so. TRANSUNION I 'm fully aware of the Federal Law. yourself and The creditors are not following THIS FEDERAL LAW. the way this law is sit up is that you The reporting agencies should have the consumers Orginal signed documents in your physical possession I have asked you to please provide me a copy of the followings documents with with my signature attached to it. XXXX I know you DO NOT KEEP THIS INFORMATION ON FILE AS YOU HAVE TOLD ME MORE THAN ONCE. BUT HOWEVER THE FCRA 609 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT AT THE CONSUMER REQUEST YOU MUST I REPEAT MUST PROVIDE THAT PHYSICAL AND LEGAL CREDIT CONTRACT. IF YOU ARE NOT ABLE TO PROVIDE THAT INFORMATION IT STATES THAT THE ITEMS MUST BE DELETE. HERE IS THE THING IN WHICH SO MANY CONSUMERS DO NOT UNDERSTAND BUT I DO YOU ARE NOT A FEDERAL AGENCY AND YOU ARE NOT ALLOW TO REPORT ANY INFORMATION ON ANY CONSUMER WITH OUT THAT SIGN CONTRACT YOU ARE BREAKING THE LAW AND I DEMAND THE FOLLOWING ITEMS TO BE DELETED FROM MY CREDIT FILE IN ORDER SO I 'M ASKING YOU RIGHT HERE RIGHT NOW TO PLEASE REMOVE THESE NEGITIVE ITEMS ASAP XXXX XXXX XXXX LATE PAYMENTS XXXX XXXX LATE PAYMENTS XXXX LATE PAYMENT AND ALL CREDIT INQUIRES THAT IS OVER 30 DAYS OLD. I request this deletetion ASAP
On XX/XX/2018 TransUnion responded to a complaint I filed over 30 days ago that involved XXXX XXXX XXXX XXXX In result of feedback provided to CFPB on XX/XX/2018 my credit score decreased from XXXX reported on XX/XX/2018 to XXXX. 

All open accounts have been in good standing over the last 90 days. TransUnion is aware I've applied for a mortgage.
I did not know any better, I has a XXXX, but I still had income. 
First it was - I could not get any information about my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Paid then {$10000.00} Second - XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Paid them {$9500.00} They put a cease and desist on my account. I could not speak to the bank concerning my mortgage at all. The bank would only speak to anyone except an attorney. 

After the first fight I had with XXXX XXXX XXXX and I refused to pay anymore money to them I had to get help. 
XXXX XXXXXXXX XXXX XXXX and they all promised 100 % that I had all that was necessary for a loan modification or some type of workout because I had income. 
It never happened. my home was put in to foreclosure with a sale date. 
I finally got into my account and now I submitted documents to be considered for a modification. I get a pension and I have a job. I don't know what went on when I had no communication concerning my account, but I am asking that Carrington will allow me to get everything they need before they put another foreclosure sale date on my home. 
Thank You.
I deposited a insurance check into my account in XX/XX/XXXX. Regions notified me they were going to hold the check for 3o days but they had already received the funds from my insurance company. Regions charged my bank account an excess of over 1000.00 in  overdraft fees because the check didn't have the signature of the company that did the repairs on my car. The repair company tried to have them release the funds but they wouldn't. I paid the automobile repair company then had to have them credit my account because regions wouldn't release there money that has already been cleared from my insurance Co. Bank.
This is the second complaint against SunTrust Mortgage. In our first complaint, servicer in a unilateral decision changed terms of our mutual loan modification reached in XX/XX/2015, increasing my rate and switching the same from fix to an adjustable. This original complaint was resolved, but now Suntrust Mortgage is wrongfully calculated the monthly dollar amount on my interest payment for the next 20 years remaining on my mortgage. 
As result of this servicer mistake, I ending paying {$7.00} for the next 20 years remaining on my mortgage loan.
I contacted XXXX XXXX XXXX XXXX XXXX with a request to change the way my prepayments are applied so that the full prepayment amount goes towards the highest interest rate loan instead of first being applied as a normal monthly payment XXXX first part of the payment is applied to the principal of all of the loans even though this is an excess payment ). This is causing me to pay more in interest than I would be paying if all of the excess payment went towards the highest interest loan. 

As stated in 34 CFR 682.209 ( b ) ( 2 ) ( ii ) I have the right opt out of having my prepayments applied as future installments ( see end for the link ). So far my prepayments have been applied to future installments to the point that I do not need to make a payment until 24 months in the future. At this point I would like to stop my prepayments from being applied as future installments and instead have my prepayments go 100 % towards the principal of the highest interest rate loan ( after fees and interest ). 

XXXX XXXX XXXXXXXX XXXX XXXX has told me that it is impossible to opt out of having my prepayments applied as future installments despite being clearly stated in the Act. XXXX XXXX XXXXXXXX XXXX XXXX has also not provided me with any documentation that shows that my prepayments have to be applied in this matter. The master promissory note that I signed does not mention anything about this. 



XXXX XXXX XXXXXXXX
XX/XX/1999 I purchased a XXXX mobile home, and when signing the paper work, the finance company side if the interest rates went lower they would lower mine with in a year 's time, they did go down to about 6 % when I signed it was 12.25 % and all these years I have been paying nothing but interest. I have called more times that I can count and asked for a refinancing or a rate modification and each time I am told " sorry we do n't do that ''. it make 's me want to tell them well come get it then and give them a week to do so but I have put a lot of money into my home. my husband and I have reroofed it put floating floors thought out it and replaced to kitchen and bathroom floors with tile painted the out side this is home. I just do not understand how or why they are so unwilling to work with me my payments are on time never late but like everyone else I have a hard time and have to let other things go to make sure that it stays that way. I tried to trade it in before I we did all the work on it and all mobile home dealers in the area tell me the same thing " you are up side down on the money '' your home is n't worth what you owe ''. where do I go? what do I do form here? is there any help for us? my home is on privet property family owed. the the company I am financed with has changed name 2or 3 times I have asked for help 2 times each from each of them once to refinance and then to do a loan rate modification.
On XXXX I received a phone call from XXXX Bank ; to verify purchases made on my card. XXXX purchases for gas XXXX were made, with me living in XXXX. I informed the bank that the charges were not mine. At this time the agent I spoke with informed me that she would close out my account, initiate a fraud claim, and I would receive paper work in the mail. After allowing two weeks to go by, I still have not received any paperwork in the mail regarding affidavits she informed me I would be receiving. I followed up with online banking and their response was to call customer service. I called and was transferred all over the place, no one seemed able to help. I again tonight looked to see if any credits have been issued regarding the fraud charges, and nothing has been issued as far as any provisional credits as outlined per REG XXXX I am alarmed and baffled, especially where XXXX Bank took their time on another case with a dispute two months ago, and since timed elapsed on their end they ruled that the dispute was outside of guidelines. The fraud charges are the only charges making up my balance ; and yet, they ( XXXX Bank ) are requiring me to make a minimum payment. If a provisional credit was issued ; then there would be no balance due, actually a credit balance refund for XXXX credits that were issued for a return from another merchant. I submitted another request today via online, requesting credit again this evening. I also informed the company that if this matter goes un corrected I would be reaching out to XXXX XXXX directly.
CSD COLLECTION {$25.00}, XXXX {$390.00}, XXXX REGARDING XXXX XXXX {$38.00}. I 'VE NEVER HAD THESE ACCOUNTS. I REFUSE TO PAY MY IDENTITY WAS STOLEN ON XX/XX/2012 I WAS XXXX AND ALL MY PERSONAL INFORMATION WAS USED. I HAVE CONTACTED THE CREDIT BUREAUS ON SEVERAL OCCASIONS IN REGARDS TO THIS. THEN THEY BE REMOVED AND THEN RESOLD TO ANOTHER COMPANY.
I submitted a loan discharge application to nelnet on XX/XX/18. I have an email confirmation they received the application. However, I have received no additional response back other than them providing me a hardship deferment. I previously mailed documents to them per the department of education and apparently they never got them, but reported negatively on my credit report. I told the dept of education they don't listen and they have my payments too high. I discussed a criminal record with the department of education and was told about the loan discharge paperwork. I was advised to send the paperwork to nelnet. When I called nelnet they denied knowing what it was and told me it was not then that handles it. And that I needed to reach back out to the dept of education. Everything in the dept of education site states it should go to your loan servicer who is nelnet. I emailed the documents and uploaded them in my account for review. I feel like I am being ignored yet again. I want to know this is seriously being reviewed. This last representative told me I could upload documents to my account as I do not go on the site because it never recognizes my password and I have to reset it everytime. This becomes very annoying. This time I uploaded the application to prevent them saying they didn't get it and I emailed it to them.
I have submitted multiple times that Navient ( XXXX ) has committed fraud against me. My allegations are continuously denied by the organization. Yet I now see that your organization is directly suing Navient for fraud, for some of the EXACT SAME ISSUES I 've experienced. Since graduating from XXXX in XX/XX/XXXX, I 've experienced so many issues with Navient, that I actually wrote a letter to the head of the organization in XX/XX/XXXX. I included XXXX example communications to Navient / XXXX from XX/XX/XXXX and XX/XX/XXXX. I have experienced : - Payments not being allocated correctly to the proper accounts, causing my account to go delinquent be charged extra fees - even though I paid the correct total. 
- Navient auto-deducting money prior to the auto-deduction date, causing back-end banking issues on my side - Navient auto-deducting money after auto-deduction was turned off. 
- Navient charging me the wrong amount for student loans after new loan terms were agreed upon in writing. 
- Navient not releasing my co-signer, even after I made multiple on-time payments in a row. They never even let me know this was an option. 
- Navient not providing me with the proper resources to lower my student loan payments. I have been asking for over a month now for help because I was laid off my job in XX/XX/XXXX and have received zero response.
Synchrony Bank claims a debt was settled but I gave no authorization for them to settle school debt. I have an Amazon card with them and have paid it every month. I made a payment on the account in the amount of {$150.00}. When attempted to pay off the full balance this month, they tell me the debt was settled for less than half of what I owe. the account wasallegedly settled foraround {$330.00}. The entire outstanding balance was a little more than {$800.00}. I did NOT give authorization for a settlement. I want to pay the full balance and have my credit reflected as paid in full with a positive report to the CRAs.
There was a break in and fire at a home i owned that was about to be foreclosed on. I was issued a check for an insurance claim in 2008. XXXX mortgage was a payee, along with myself. 2 months after the fire, the house was foreclosed on by HSBC Bank, which bought my mortgage, along with attorney XXXX at XXXX. The attorney asked me to mail the check to them, and they would sign it and return it. They said it was mine. I sent the check, the never signed nor returned it to me. years later, i find the check is still uncashed and the insurance company is telling me its unsigned and that i need to claim it I begin contacting the attorney, which wont call me back. I contacted the bank several times. I talked to people who identified themselves as XXXX XXXX, XXXX XXXX, XXXX XXXX and more. I contacted them on and off for a month and a half this year to no avail. They ended up telling me they could not help me, i needed a letter from them signing off from the insurance claim, so it could be taken care of. They told me to contact the attorney.. whom i contacted several times to no avail.
XXXX XXXX and XXXX XXXX are reporting on my credit files. These loan belong to a family member. If XXXX XXXX had contacted me regarding loan payments. I would have paid instead of letting them hit my credit. They never contacted me and the owner of the loans we never contacted either being that we have the same mailing address. According to the credit bureaus policy. These account fall under XXXX XXXX so I am requesting complete removal of the accounts period. I owe neither institutions a dime. If the owner fails to pay in the future I will pay to eliminate destruction of my credit. 

XXXX XXXX does not belong to me.
My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all 3 credit reports on or around XXXX XXXX, XXXX and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below. 

FCRA Section 611 ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumers 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.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
I spoke with XXXX XXXX on XX/XX/XXXX. He told me he would return my phone call on or before XX/XX/XXXX. Why will Shellpoint Mortgage not do as they say? They need to address my concerns.
Enhanced Recovery has added a collection from XXXX XXXX to my credit report. The debt is not mine. 

In addition, I have received no correspondence from Enhanced Recovery validating any debt I owe to XXXX XXXX XXXX or verifying that this is my debt.
I have evidence that someone use my credit and personnel information to buy a home, car and other items show up on credit report.
For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At XXXX I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier XXXXXXXX, XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XX/XX/2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XX/XX/2015.
Im not sure where to even start. I went to XXXX and was constantly pulled out for non payment of the XXXX loan. But the main reason Im messaging today is Navient. They would never lower my monthly payment no matter how many times I showed that I could n't make that payment. So instead they would always offer forbearance. I was young and XXXX and by myself so I took the only option I could. That has seriously effected the last 7 years of my life.
I recognized that XXXX XXXX submitted 16 unauthorized inquiries on my credit report on XX/XX/2018. 

BMO Harris was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager. 

He refused to help. 

It is very unfair that they did that. It lowered my credit score by 200 points.
I have been paying on my private loans for 8 years now without ever missing a payment. According to my financial history as provided by XXXX XXXX XXXX, I graduated with {$26000.00} in private student loan debt. To this day I still owe {$25000.00} on my private student loans. According to those numbers I have only paid off less than {$1000.00} on my private loans in 8 years of on time payments. How are they calculating interest on these loans? I am having a very hard time believing that I 've only paid {$990.00} on these loans in 96 months of paying on them. This is clear fraud!!
XX/XX/2018 -XXXX  XXXX XXXX , VA {$6.00} XXXX ATM TRANSACTION DOMESTIC FEE {$1.00} XX/XX/2018- XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23.00}
Seniors should be especially wary of doing business with this company.The Union Bank  may publish a meaningful disclosure of credit terms, a requirement of Truth in Lending, but the Bank utilizes a non-standard accounting system, inconsistent with American Accounting Standards because it allows them to open multiple accounts in your name in which to hide false filings ; and facilitates undocumented false demands. False charges are hidden there in small print. A {$600.00} charge for an appraisal is hidden in one of three accounts opened in my name ( without Notice and Agreement ) when no appraisal had actually been done. That happened months ago, but they still have not rectified the charge. This is a super greedy company. seniors beware! seniors should not do business with this bank unless they are experienced in dealing with rogue banks.