WillisBack/dataset-financial-user-claim huggingface dataset:
It shows XXXX school loans on my report and XXXX public records and XXXX open accounts
I was initially contacted by an MLO at First Guaranty Mortgage Co in XX/XX/XXXX in re : streamline refi of the FHA mortgage that I had originated with them in XX/XX/XXXX. On XX/XX/XXXX the MLO sent an email promising a 4.00 % rate with a payment lower than my current payment ; as my taxes on the property were set to go up, I decided to proceed with the application process. The whole process has been hampered by a lack of communication from the MLO, despite repeated outreach attempts by myself ( via phone and email ). The MLO again contacted me by email on XX/XX/XXXX and then I heard nothing until XX/XX/XXXX ( I had to call in a complaint to his supervisor in order to be contacted by the MLO ). In the XX/XX/XXXX email I was told that there were possible problems with the title on my property -- a possible lien from the state. Since sending additional information into FGMC so that their Title Co can research the issue I have yet to hear back as of XX/XX/XXXX, despite sending two follow-up emails. 

I know that the FHA rate is now greater than 4.00 %, so I do not see that the company will be able to honor the rate that was promised to me in their XX/XX/XXXX email. I believe their lack of timely communication and follow-through may have cost me the opportunity to lock in a beneficial rate ; additionally, this drawn-out process for what was supposed to be a streamlined refinance has cost me the opportunity to attempt a streamline refi through another company because I do not want multiple pulls on my credit report.
I posted a bed on XXXX  to sell for {$700.00}. This person contacted me via a XXXX  email account and provided a cell phone number to contact them with : XXXX. The deal was that he was going to mail me a check, and I would cash the check. Once the check cleared, he would set up movers to come pick up the bed. He told me that I had to pay the movers for him, so the check he would be sending was for more money then how much the bed costed. I assumed that meant I would pay them in cash. He said he could not come see the bed in person because " he was at distance '' ( he spoke in broken english ). The check was sent using the USPS, tracking # XXXX. Sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX. It arrived on MondayXX/XX/XXXX It was a cashiers check from the XXXX XXXX XXXX for {$2200.00}, and appeared to be real. I deposited it using my Chase Mobile app, by taking a picture. Chase then emailed me that night saying " my deposit had been accepted ''. The funds were made available immediately in my account, so obviously i assumed that meant it had cashed. Then, the person told me that to pay the movers, I had to wire the money to them using XXXX. He told me to wire {$1400.00} to XXXX. My bank, Chase, uses XXXX   for Chase Quick Pay, so I trusted the service and used it. I wired the money and he told me that the movers would come pick up the bed that night. When the money did not arrive right away, he also told me to try wiring it to " XXXX XXXX '', at XXXX. The movers never came, the person stopped responding to me, and then Chase put a " hold '' on my account for {$2200.00}. It turned out the check was a fraud, but it was too late, I had already wired {$1400.00} to that email address. When I reached out to Chase to file a claim for fraud they told me there was nothing they could do because I was the one who deposited a fake check and I was the one who wired the money. It was the perfect scam. XXXX has zero consumer protections in place and doesn't even help you if you used it through your bank, they just refer you to your bank customer service. This article confirms that what happened to me has happened to countless others : XXXX XXXX XXXX  I have screenshots of text conversations, transaction confirms, and bank statements. Please reach out to me with an email account that I can send these too. I am hoping to first and foremost, get my money back, but also find this person and make them answer for their crimes. Finally, I would like to bring to light how ridiculous it is that every major bank in the US ( Chase, XXXX XXXX XXXX XXXX XXXX XXXX  ) provide an unsafe piece of technology for their consumers to use, and provide no additional consumer protections for them if something goes wrong.

Summary of evidence : 1. Phone Number : XXXX 2. Names : XXXX XXXX  and XXXX XXXX 3. Emails : XXXX XXXX 4. USPS Tracking # : XXXX  5. Bank : XXXX XXXX XXXX, Chase, XXXX
I recently applied to increase the limit of our exisiting HELOC at KeyBank. This was denied, but I was told the decision would be reconsidered if I transferred ( rolledover ) my IRA to XXXX XXXX XXXX Is it legal for them to do this?
I am an XXXX and my wife is an XXXX. I actually used to XXXX. We went homeless two years ago after my wife contracted XXXX and all our savings was used on copayments for care that ended up doing nothing. We live out of an RV. I can not get a bank in XXXX to open even the most basic checking account because I have no proof of a physical address. Can you assist? 
Thank you, XXXX
I am currently on a pay-as-able plan and not paying anything. My income is indeed too low. My XXXX year old father co-signed for a small summer loan -- a PLUS loan -- and TWICE now Navient has tried to collection from him ( the co-signer ), even though I am considered current. They readily admitted their mistake AND apologized ( to me ) for their error and for upsetting him. But he is spooked by this and his demanded that I pay it off. Fine .. I barely have enough money, but can do it. The loan as originated was {$3600.00} ... but here 's the thing, they want {$6300.00} for the pay-off amount. That 's almost double the original amount, so I asked them ; can we not agree on a more reasonable payoff amount? I offered {$4200.00} cash .. today. Their answer was " we do not negotiate '' pay-off amounts. We 're not a bank, we 're the Dept. of Education. '' Can this be right? Thanks in advance for your attention to this inquiry.
Account XXXX NATIONAL RECOVERY AGENCY XXXX Account number XX/XX/XXXX Date Opened Collection account. {$1500.00} past due as of XX/XX/XXXX. 

I have disputed this several times, however, XXXX keeps allowing it to stay, but has never once shown me any proof that i am responsible for this account. I have had state medical coverage for years. I should in no way be held responsible for this balance when state insurance covers anything! What i also don't remember is even going to the hospital around this time. That's what information i have requested. Proof that XXXX obtained anything signed by me, from this creditor. It's been almost a year and still no proof. This needs to be removed from my credit asap!
I submitted a complaint XXXX XXXX, XXXX ( Case number : XXXX ) attempting to resolve an issue with a home equity line of credit with Countrywide that ended up with Bank of America. An attorney from an XXXX practice replied, so I thought it was third party, but later I found out they were representing B of A. I replied to the inaccuracies of that initial response letter, but was never given the opportunity to talk with anyone with authority to resolve the issue. XXXX XXXX, XXXX I wrote same attorney again since I never heard from B of A and the 6 month extension the foreclosure attorneys had filed in XXXX had passed. AGAIN I asked to pay the money I owe. On XXXX XXXX I received a motion for summary judgment. XXXX suggested I call the filing firm, XXXX XXXX XXXX XXXX XXXX XXXX, to request a settlement. I was told the figures in the motion that was filed on XXXX XXXX are not accurate, that they reflected figures from XXXX XXXX, which does n't make any sense to me. I was told I can negotiate only with B of A. I have called XXXX XXXX for XXXX XXXX and their supervisor XXXX on XXXX, then her supervisor XXXX XXXX on XXXX, then her supervisor XXXX on XXXX & XXXX.
In XX/XX/2017 I was forced to give up my car to XXXX XXXX XXXX XXXX because they wanted cash despite having acknowledging they had my payment in their hands. They claimed because there was a previous issue with my payment they refused to accept another check, however they had accepted and cashed multiple checks since but because the repo man had been sent despite having my payment in their hands, they refused to cash and demanded cash, which because of the time zone difference was impossible and I was forced to give over my car. Since then, I received a notice they would be putting the car up for auction. On the credit report it states they sold it however, I have never received the paperwork they are required to provide upon sale. I've contacted them multiple times and have been denied access to the person who is apparently responsible for my account. The amount should be adjusted to reflect the sale and the payments I've made. I've had no help with this and my attempt to dispute wasn't handled fairly.
Bank of America did not adjust my automatic payment or inform me to adjust my automatic payment when my balance increased. Then they collected fees and reported me as being late to the credit bureau for two months.
I have my loan through XXXX XXXX XXXX. I am military and in the process of relocating in the process some how there was a mix up and the auto payment did not go through for XX/XX/ they did not notify me of this issue until recently. I have since been in the process of buying a new home and they have incorrectly placed a late payment and reported to the credit bureaus for XXXX as well. So now that I am trying to close on my home I have 2 late mortgages reporting on my credit report which is holding me up.
O n or around   XXXX  2016 ,  a purchase was made on my  XXXX   XXXX   XXXX  account for approximately {$110.00}. The item was charged to my credit card, but the charge didnt go through according to  XXXX , and the item was subsequently charged to my  XXXX  credit account.   The item was delivered after a delay of several weeks later. The item  (   XXXX   XXXX  - a microcomputer ) was received at my home address  (  redacted ). It did not include an invoice ( an invoice was obtained later after several requests to  XXXX   ).  I was not sent a statement by mail or email. I was never contacted by phone. I never received a bill for this item from  XXXX  or  XXXX   XXXX   XXXX . I was never contacted that the account was in arrears in any way. No request for payment was ever made at that time ( or since ).   At the end of  2016 , when applying for a mortgage, I was shocked to see that I had a negative credit report from  XXXX   XXXX   XXXX  for this item. This was the only negative report in my credit history. The negative credit report has resulted in significant increase in the mortgage loan rate that I was offered, which translates to future additional cost in the thousands of dollars.   Subsequent inquiries indicate that : - the account was sent to collections, without ever contacting me - although I was never contacted by  XXXX  with a statement or payment request, the account was reported as in default to the credit reporting agencies - checking the account online, shows that shipping address and billing address are correct ; although no correspondence was sent to this address regarding the apparent default, I continue to receive promotional correspondence from  XXXX  at this address.   - additional late charges and interest have been added to the account nearly tripling the amount due in unde r one year ( >  {$300.00} by the end of  2016  )!   - the  XXXX  representative I spoke with on the phone indicated that this handling of the account was not in keeping with  XXXX  policy and that the account should never have been sent to collections.     I feel that the handling of this case by  XXXX  is not a usual or expected business practice for the reasons indicated above. I believe that the proximate cause of damages is directly the result of the mishandling of this case by  XXXX   XXXX   XXXX .     A cheque has been sent to  XXXX ,  XXXX  to cover the cost of the initial purchase.
I am dealing with Convergent. They want {$4200.00}. They told me in XX/XX/2017 I do n't remember the exact date that I would get sued if I do n't resolve the debt. They should have the recording. Also I asked them to valid the debt in early XX/XX/XXXX. They did n't valid the amount. I gave them 30 days.
XXXX  XXXX is showing inquiries on my credit report which are fraudulent. the dates of inquiry are XX/XX/XXXX and XX/XX/XXXX.. i have reported this to XXXX  and ftc ... these inquiries need to be removed
I am filing this complaint because XXXX | Trans Union | XXXX  has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter as soon as possible.
Date : XX/XX/2016 Balance : {$650.00} Company AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX I don't not know this company, I did not do business with this company nor have I given them the permission to use my information. I would like this debt completely removed from my credit report. Thank You!
I paid my account to less that XXXX $ by XXXX of 2006. I am currently in XXXX of the first full-time employments that I have had since, and am only several months into such employment after a severe assault. As a crime victim, I believe I have victim rights to protect me against unfair garnishments and levies. Additionally, the collection agency did not submit due process in writing. The collection agency also has previously harrassed me by telephone. I believe that the collection agencies has conducted illegal searches to find my current financial information. The collection agency is trying to levy $ XXXX to the financial institution directly and, when telephoned, I am being told by the collection agency that the balance is well over {$2500.00} and that that is the amount to be paid unless paid in an unreasonable time frame and in large amounts. And that this is all due to " interest '' ( which I know to be illegal in the state of California, where the debt was incurred and where the collection agency is located ).
I called Equifax on XX/XX/2017, I spoke to representative XXXX, I explained to her that I have disputed two incorrectly reported tax liens. I tried to inform the agent these two liens ID # XXXX and ID # XXXX should not be listed on my report, they have been withdrawn. I called out to the number listed on my credit reports, and was told by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that they did not report this information to the credit bureaus. The representative XXXX was very rude and stated that she was not going to remove this item nor re-dispute it. I asked her if she could provide me with the name and contact information for the company that they are receiving the information from and she stated that she did not know who they received the information from and was unwilling to assist me. I asked her if I could speak to a supervisor and sh stated that the supervisor was going to tell me the same thing. I asked her again to speak to a supervisor and she stated that the supervisor was busy and that I will need to call back or leave a message. I have been disputing these two liens for the last seven months, and have yet to receive any information on how this is being validated and who is reporting this information, being that both courthouses stated that they did not report this information to credit bureaus.
I disputed the debt and amount that I they claimed I owed from the beginning. It was a personal cell phone bill that they claimed I owed {$2300.00}. Finally on XXXX XXXX XXXX I agreed to settle with them for {$1100.00}. In exchange AFNI agreed to remove any and all negative information reported on my credit. 
I was recently rejected for an auto loan. Upon examining my credit with XXXX, I discovered the only negative information was from this same AFNI account. 
The AFNI collection agent made false and misleading statements in order to get me to pay the {$1100.00} settlement, then neglected to remove the negative information. 

I have disputed the information with XXXX. I received notice today XXXX that AFNI confirmed the negative information. I spoke today with a XXXX XXXX XXXX, supervisor with AFNI who informed me that they never remove negative information as part of a settlement. He informed me that they will not remove the collection account from my credit. 
This constitutes a financial hardship for my family, as we are unable to obtain credit, except at astronomical interest rates. I am obligated by contract to refinance my home by this spring, and can not do it while this is still on my credit.
The announced herself as representer from the legal office of XXXX XXXX calling from ( XXXX ) XXXX and that were had begun to prepare legal document to sue me in court regarding a {$500.00} debt with Mid Atlantic credit card. However the particular account she was referencing has been discharge by the company more than a year ago.
I used XXXX XXXX XXXX to get a settlement of a credit card debt, ( 1 ) the settlement resulted in a debt reduction of {$7200.00} was agreed to and all the balance ( {$6100.00} ) payment made in 12 monthly payments, until paid in full. Upon completion of settled payoff XXXX Sold the Reduction amount of {$7200.00} to XXXX XXXX  XXXX, XXXX. as unpaid debt. Now XXXX XXXX  XXXX, XXXX are Seeking payment in full for the amount of {$7200.00} as a debt owed to their company and notified all Credit Bureaus of lack of payment in the debt collection progress.
I never received as the summon declares the demand made for payment XXXX days prior to this summon. This is not the truth. I do n't know who XXXX never heard of them. I had an auto account with Santander Consumer USA. They claim I owe XXXX. I do n't owe this, amount this is not accurate. They are sending me to court and never contacted me before this time. Santander sold them this account. I do n't want to communicate with XXXX or their representation lawyers either. I want Santander to communicate with me about any debts that they feel I owe them. I sent a letter to XXXX and their lawyers to validate this debt they claim I owe. I do n't owe them anything. I never signed a contract with XXXX or their lawyers.
By virtue of a single transaction larger than usual I had forgotten about a small transaction that had not yet cleared. These transactions ( one for {$1600.00}, the other for {$70.00} ) both cleared on the same day resulting in an overdraft for which the charge was {$34.00}. That seems high, since it was the XXXX instance since opening the account about fourteen months ago. Inquiring if an overdraft protection procedure was available, i learned that another checking account could not be used since the other account was a commercial account, but that a savings account would serve this purpose. No mention was made of any charges involved. It took about a week to get a savings account established, and to see how it would work, I again over drafted the personal account. It worked fine, but resulted in a {$13.00} charge for the service. This seems unreasonable. My sense of these transactions is they both were driven by software without any human effort required, which makes me think I 'm paying for service that I 'm not getting.
I have contacted XXXX XXXX and EOS CCA. I made the request several years ago to XXXX XXXX and all of the past collection agencies claiming that I owed a debt to XXXX. I settled all of my prior debts with XXXX when I received my final bill prior to changing carriers. I 've disputed this for the past three years. 

Starting in late XXXX I began to receive letters claiming I owed this debt. I knew I did n't and waited patiently for XXXX XXXX and the pool of collection agencies to realize that. I request on numerous occasions that I receive a copy of my original last itemized bill from XXXX. XXXX XXXX nor any of the collection agencies honored my request. 

This Derogatory Public Record has cost me years of lower interest rates, possible credit and new job considerations. There should be some form of monetary restitution. Credit Bureaus and Collection Agencies must do a better job of investigating the facts before this irreversible damage is done to consumers. " This is egregious, and worse than, " Identity Theft. ''
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
There are inquiries on my credit reports that does not belong to me. I didn't authorize these inquiries. I have contacted the credit bureaus and I have not received any resolution. I have good credit and I am very careful how I utilize my credit.
I have repeatedly sent this company certifield letters requesting viable proof bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. This company continues to send a computer generated statement as proof that the debt is verified and is mine. They are refusing to send me exactly what I am asking for and I have been asking since XXXX 2016. This company continues to report negative marks on my credit report without sending proof bearing my signature that the account is mine or has ever been mine. I am prepared to sue this ageny or 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Pratices Act ( including but not limited to Section 807-8 ). I want the negative marks removed from all three credit bueaus if XXXX can not send proof bearing my signature and proof that I have or ever had a contractual obligation with XXXX XXXX.
my loan amount was {$14000.00}. in 2011 my wages were garnished {$420.00} a month. This went on for 3 years. I spoke to someone and they said my loan will be paid off in 3 years. After I contacted Navient why they were still garnishing my wages, they informed me my loan balance is {$13000.00}. I had already paid {$14000.00} from the garnishment. Yet, I still owe {$13000.00}. 3 years later I am still paying and my loan and the balance never is going down,. this has been a night mare and the worst part. The school i went to bankrupt and my degree is no longer valid. so i paid all this money for a worthless degree.