WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, from XX/XX/XXXX until XX/XX/XXXX I was XXXX. I have contacted you while XXXX  to let you know that I should have absolutely nothing on my credit reports. My name is XXXX XXXX and my birth date is XX/XX/XXXX. I will like for someone to call me immediately so that I can clear everything off of my record. If anything is in my name it is a result of Identity theft. I can be reached at XXXX. As stated, I wrote, and talked to your company about this issue.
Sierra Auto Finance has been calling me at my place of employment for over a year now. I was ( without my knowledge or consent ) put down as a reference on a loan by an individual that worked with me briefly. I have contacted the company four times to request that they not call me at my place of employment. They have continued to call looking to get a message to this individual. Today I called in reference to their last call ( XXXX/XXXX/15 ) where their agent left a voice message on my work voice mail. When I called and asked for their corporate address the rep I spoke with, XXXX, refused to disclose this information and instead repeatedly asked for my information which I repeatedly told him he was not going to get. I was then transferred to XXXX, a manager, who disclosed the company address but refused to disclose who the current CEO of the company is. I finally gave my work number and explained the situation and she stated she would add the number to filter so they would n't call again. However this is exactly the same thing I was told last time I had to call this organization XXXX XXXX of 2015 ). I find their unwillingness to disclose publicly available information discourteous at best, and at worst fraudulent and deceptive.
On XX/XX/2018 @ XXXX XXXX  I submitted a payment to Seterus in the amount of {$1000.00} as I do each month. When the payment did not clear the bank, I called Seterus and they told me that they had just been notified that the payment came back because it had been submitted under the wrong account number. The payments are made through XXXX XXXX on the Seterus website and I received a payment confirmation that I would not have received if I had entered the incorrect loan number. Furthermore, how did they report me delinquent to the credit bureau BEFORE they claim they received the payment back? I immediately contacted the bank and they had no clue what I was talking about. To date I have received no notification from Seterus or the bank, but my credit score dropped 58+ points. I had a loan modification 2 yrs. ago due to unemployment and have diligently made my payments since and have never been delinquent. Seterus had the unmitigated gall to tell me that once they reported me late they could not change it. I have worked in  mortgage banking over 20 years and know that to be a blatant lie. I was not late and nothing supports I was. They delayed the payment whether intentionally or not, I want it removed from the credit report that I have worked so hard to improve. They are one of the worst servicers in the business and I will not allow them to ruin what I have worked so hard to achieve.
I am a cosigner on my sons student loans. The interest and balance keep going up. Navient is hard to deal with, get information from as well as any negotiations. How can a balance keep going up after paying for 10 years? It is impossible to repay. They were never forthcoming, made us believe this could actually be paid off. Very predatory, basically a scam. There needs to be some recourse for all the students who got stuck during this time period of 2008 till present. 
The mortgage company 's that did this had to make good why isn't this company held responsible?
ON XX/XX/XXXX I FILED A DISPUTE WITH EXPERIAN IN REGARDS TO A CHAPTER XXXX FILING XXXX THIS DISPUTE AFTER 1 YEAR WENT ALL THE WAY TO CONSUMER AFFAIRS ON XX/XX/2018 I SPOKE WITH A WORKER AT EXPERIAN THAT WENT BY XXXX HE SAID THAT THEY CALL THE CLERK OF THE COURT AND FOUND THAT THIS CHATER XXXX FILING WAS ACCURATE WHICH IS FOUND TO BE UN TRUE BECAUSE I FOLLOWED UP WITH THE US BANKRUPTCY COURT CLERKS  OFFICA AND THEY SAID THEY DO NOT TALK OVER THE PHONE WITH ANY ONE EVER CREDIT REPORTING AGENCIES WITHOUT PERMISSION FROM A JUDGE. THEN I PUT THIS ITEM IN DISPUTE AGAIN THE NEXT AGENT SAID THAT IT WAS VERFIED BY A 3 PARTY VENDOR ... ACCORDING TO THE FCRA ANY INFORMATION VERFIED BY A 3 PARTY VENDOR THE CONSUMER IS ENNTITLED TO THE NAME OF VENTOR AND DATE AND TIME IT WAS VERFIED.. FURTHMORE THIS CHAPTER XXXX WAS ORDER REMOVED BY THE JUDGE FROM ALL PUBLIC RECORDS ... THIS ITEM AS BEEN IN DISPUT 8 TIMES ...
XXXX XXXX  has 2 fraudulent collections under on my credit reports.

Two charges : one for {$500.00} and a second for {$280.00}, both from the same facility and same date of service of XX/XX/XXXX.

I have never received medical treatment in the state of Pennsylvania.

I disputed these fraudulent collections on my credit reports with XXXX, XXXX and Transunion approximately one month ago and I received an email alerting me that my disputes had been resolved. However, when I went to check my credit reports, they showed the 2 above referenced collections are still on my reports. According to the reports, XXXX XXXX  claim the collections are correct and the credit bureaus still have them on my record.

I have been on the XXXX XXXX plan since XX/XX/XXXX and once again, have never received medical treatment in the state of Pennsylvania.

Please help remove these 2 fraudulent collections on my credit reports.
InXX/XX/XXXX, I got behind one month on my mortgage payment with Flagstar Bank, due to a financial hardship on my job. Flagstar Bank employees set me up on a Home Affordable Modification plan without discussion the details. I signed the modification plan and submitted it back to them. In XXXX of XXXX, I attempted to sell the home and found that there was a lien on the mortgage for {$34000.00} to Federal Housing Authority. This was never explained to me, nor did I have any knowledge of it. I was only behind one month on my mortgage note. If this had been explained to me, I would have never agreed to this. I have the document they sent to me to signed, there is no mention of borrowing {$34000.00} from FHA. I contact them to see what happen to the fund they borrowed? They told me it was used for the modification and the remainder was applied to my loan. I did not see my loan decrease. therefore I am requesting that this matter be investigated. I paid FHA back the {$34000.00} from my life saving in cashiers check. Therefore I am requesting that my funds be returned to me. This type of practice is wrong and manipulative and should not be tolerated.
On XX/XX/XXXX I sent a certified letter to XXXX and Equifax requesting that they verify the accuracy of the bankruptcy reported on my credit report and to also provide proof. I received a response from XXXX  on XX/XX/XXXX stating the company who reported the bankruptcy verified the information is accurate. XX/XX/XXXX I received a response from Equifax saying the public record item was obtained by local, state and Federal courts third party vendor XXXX XXXX and they verified the item was accurate. I have included a letter from the bankruptcy courts stating they don't report anything to credit bureaus. I have also included proof of a security freeze placed on XX/XX/XXXX from XXXX XXXX. This is the same third party company who verified the bankruptcy to Equifax on XX/XX/XXXX dispute there being a freeze request.
Our loan was purchased by Santander we have paid XXXX monthly payments of {$360.00} on a XXXX month loan and Santander claims we still owe {$6200.00}. They told us we need to do a loan modification to pay this last {$6200.00} over XXXX months. How can we make all XXXX payments and still owe {$6200.00} this is fraud and extortion. They beat my credit up over this modification they tell my ex-wife do n't make a payment until the loan mod is complete and then report you as late my credit score dropped XXXX points in XXXX minute when they reported the payment as XXXX past due. Here is how they did it and the attached payment history will show this. On XXXX/XXXX/2008 they added {$2600.00} to the principal out of the blue then every month they charge numerous miscellaneous fees between {$10.00} and {$36.00} a couple of times a month for the life of the loan. We originally were with another company and the terms of the original loan were nothing like they are now. I would not be surprised if they changed the interest rate as well who can tell how they compute interest.
I made a small purchase through my XXXX account, which was a gift I was sending to a friend. I checked " send as gift '' and entered her name, address and phone number in the shipping details. I paid for the transaction using my credit union bank account. 
The very same day, my friend received a phone call from Wells Fargo Bank asking for me to make a payment on my student loan! How can it be legal for Wells Fargo to have access to the information I enter into my XXXX account, especially when the transaction does n't even involve wells fargo bank? I had also made a payment within a few days before this incident
1. On XXXX XXXX XXXX I was blocked by Capital One from accessing my account on-line. I am the first line of defense to identify any fraudulent activity on my credit card. However, now that Capital One has restricted my access to my account on-line I am unable to maintain my due diligence about my credit card activity. 

2. Over the past several years Capital One has wanted me to update my income, stating the reason for their request is to increase my credit limit. Since I do not want a credit limit increase, I have not updated my income information. I have kept my name, address, email, and phone number up-to-date. 

3. In the past, through Capital One 's tactics they have attempted to force me to provide that information by blocking my access to my account. I have been able to work around their obstruction to gain access to my account on-line -- until now. 

4. On XXXX XXXX XXXX Capital One implemented a new web page which requires me to update my income before I can access my account, again stating the information is needed in order to increase my credit limit. I called customer service and was told that was not the reason they are asking for the information, instead, that it is a federal government regulation/requirement that I provide an update to my income. They further threatened if I do not comply with their request Capital One can close my account. 

5. My account is current. Capital One always receives my payment well before the due date. Payment has never been late. I have an excellent credit rating. I am vigilant about checking my account for fraudulent activity. I am a model customer. 

6. Capital One 's ruse to gain this information smacks of the unethical business practices used by XXXX XXXX.
I have disputed the validity of debt on some accounts, and I 've disputed numerous erroneous names and addresses listed on my credit report, all of which are affecting my credit score. XXXX, XXXX and Experian have failed to remove the erroneous information or provide to me the proper evidence of the disputed accounts validity that they received from the creditor which caused the agencies to update my reports to show that the debts were validated per FCRA. The accounts in question were reported by XXXX XXXX, XXXX XXXX is for {$390.00} with original creditor listed as XXXX . The other one reported by XXXX XXXX, XXXX is for {$4300.00} with original creditor listed as XXXX  XXXX. I never received any form of documentation from the original creditor or XXXX XXXX, XXXX. to provide competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. However, for the account with an amount of {$390.00}, I did receive a letter ( over a month after my original dispute was submitted to Credit Bureaus ) with an account summary report from XX/XX/XXXX to XX/XX/XXXX, in my  maiden name of XXXX XXXX, which I have not gone by in almost 20 years, but the summary report is not proper documentation proving the debt is valid and is also not competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. This letter and statement are attached. I have never had a signed contract, or any type of contract with XXXX XXXX, XXXX. I have never done business with XXXX XXXX, XXXX.
On XXXX XXXX 2017 I send XXXX to Ally Bank and I was supposed to received it today on the XXXX of XXXX and I called XXXX XXXX and they told me I was credited to my ally bank today on the XXXX of XXXX and I still have n't got the money yet ive been calling both companies and no luck on my money I have the tracking number for this money its XXXX
I have send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX stating the paid my car loan off to XXXX consumer yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXX XXXX XXXX ice nevee been four payments late I changed my due date
I have acquired a cash call loan for {$5000.00} a few years back. I am unable to pay and I am reading that some of their loans may be subject to usury violations. I am looking for input to see if they are a valid lender due to their high interest rates.
There are 4 accounts showing on my Transunion credit report. The account numbers are : XXXX, XXXX, XXXX, XXXX. First and foremost, these accounts are Fraudulent accounts. Second, Transunion is reporting one of the 4 Fraudulent accounts as Open when it has been Charged Off. Per the information from XXXX, the 4 accounts were charged off XXXX. Third, Transunion is allowing XXXX to change dates on the account and change the account history in order to Re-Age the accounts and also Reset the Statue of Limitations. Each creditor signs a contract with Transunion where the creditor promises through this contract that they will report accurate information to the credit reporting agency. However, neither XXXX nor Transunion are abiding by the contract nor being truthful. These accounts are continuing to be reported and they are Fraudulent. XXXX is deliberately attempting to Re-Age these accounts and also Reset the Statue of Limitations. Transunion is allowing this violation of the FCRA an FTC to happen. This is  Illegal and therefore should on so many grounds be removed from my credit report Immediately. I have attached copies of my credit report from different dates showing how Transunion has allowed XXXX to Re-Age and Rest the Statue of Limitations on these accounts.
On XX/XX/XXXX, XXXX XXXX XXXX, an employee of Huntington National Bank in  XXXX, Ohio obtained unauthorized access to my credit report from XXXX, XXXX and XXXX. I learned of the unauthorized access on or about XX/XX/XXXX. Although I am an account holder at Huntington Bank, I never applied for any type of credit or loan from Huntington and I never authorized the release of my credit reports to Huntington or anyone associated with that bank. On XX/XX/XXXX I spoke to " XXXX '' and XXXX XXXX at Huntington Bank ( XXXX ) and was told by XXXX that the credit inquiry would be removed by the bank. XXXX told me that she had " sent a request '' to the credit bureaus to have the inquiry removed. On XX/XX/XXXX I spoke with XXXX XXXX, reportedly XXXX 's supervisor, at ( XXXX ) XXXX. He also told me that he would have the inquiry removed from my credit report. On XX/XX/XXXX XXXX changed his story and told me that I would need to sign a statement and include my approval for the inquiry to be removed. XXXX claimed this was the procedure required by each of the credit bureaus. I asked XXXX to provide proof from the credit bureaus of such a requirement. He has not done so. I have never believed XXXX 's claim about the credit bureaus ' alleged requirement. On XX/XX/XXXX I spoke with XXXX XXXX at the bank ( XXXX ). She is said to be the manager of the bank 's " customer advocacy ''. She claimed she did " not understand '' why I would not sign the statement I did not think was required. On XX/XX/XXXX, I received a telephone call from XXXX XXXX ( XXXX ). He claimed he was another member of the bank 's customer advocacy " team ''. He stated that his primary goal was to " deal with removing the credit inquiry ''. All indications are that he has not even tried to do so. He has certainly not put anything in writing as I asked him to. Each of the above mentioned persons ( some more than others ) has a tendency to interrupt, be argumentative and make excuses. One thing they have not done is correct their unauthorized inquiry into my credit report. On XX/XX/XXXX I spoke to representatives of XXXX, XXXX and XXXX concerning this matter. To a person, they each unequivocally stated that their credit bureau requires the bank to remove the inquiry and that they do NOT require ME to do anything. Each credit bureau representative also confirmed that the bank has done nothing in that regard. The people I spoke with are XXXX, a supervisor at XXXX, I.D . XXXX at ( XXXX ) XXXX ; XXXX, a supervisor at XXXX, at ( XXXX ) XXXX ; and XXXX at XXXX at ( XXXX ) XXXX. XXXX offered to contact the bank on my behalf. The bank 's response, or lack thereof, to that contact should be interesting to note.
I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX
Had a Chase credit card from XXXX to XXXX. Interest rate was rased to 31.99 %. My account went over the balance. I rec 'd harassing phone calls at work and home and to a co worker even asking for them to stop and explaining was disputing the increased interest charge. The calls continued and threatened with legal action unless I paid immediately. I was offered a one time opportunity to settle the debt in full for a reduced amount of debt. I agreed and paid in XXXX. Now as of XXXX XXXX I am being threatened with lawsuit from Attorneys who represent a Massive Junk Debt Buyer. 

The billing statements received from Debt Buyer show the payment with Payment Program on copies of bills they sent me and the account is listed as closed but they continue to bill and charge interest, late fees, over the limit fees and show my available credit on following statements as well as an attempted payment months later.
{$810.00} was fraudulently charged on my XXXX XXXX prepaid visa. They will not give me a provisional credit. I 'm a single mom on a tight budget.
We needed money to pay the rent, car, and food for the two months I was without a job. I am not educated with money and we needed money really bad. I borrowed XXXX dollars from XXXX XXXX / Cash Call. There was instantly a XXXX processing fee, so I basically borrowed XXXX. Since XXXX 2013, I have been paying XXXX dollars per month. Today, I still owe Cash Call 2500 dollars. The interest that I am paying against is evil. I will never be able to pay this off. To date I have already paid approximately XXXX for a 2300 dollar loan. I do not know what to do. I have paid XXXX the principal of the loan. And I still owe them XXXX. I did not know that this loan would be literally putting me in a mountain of revolving debt that I will never be able to pay off. I would like to report them for convincing me to take out this loan. This is a scam. This has caused major hardships for me and my family. We need your help.
On XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at approximately XXXX XXXX, on information and belief, I believe that XXXX XXXX XXXX and Old National Bank discriminated against me solely based on my race, color, sex, marital status, age, and other forbidden factors. I presented all the required documents, including both of my incomes. 
XXXX XXXX and Old National Bank refused to consider all of my income such as my XXXX XXXX employment. My credit score was extremely high. My new construction loan was complete. XXXX XXXX and Old National Bank held onto my loan application for 47 days and he also imposed different terms or conditions on the new construction mortgage loan than other Old National Bank customers.
XXXX AND XXXX ON BEHALF OF BANK OF AMERICA HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
BACK IN XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED BANK OF AMERICA TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN BANK OF AMERICA CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XXXX OF XXXX XXXX COLLECTIONS HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF BANK OF AMERICA ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XXXX XXXX, XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY XXXX AND XXXX ( LETTERS ATTACHED ). NOW ON XXXX XXXX, XXXX I WAS SERVED WITH THE SUPPENAT FROM XXXX AND XXXX REPRESENTING BANK OF AMERICA FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT BANK OF AMERICA TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. XXXX AND XXXX IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP