WillisBack/dataset-financial-user-claim huggingface dataset:
I have previously requested from all three credit bureaus : TRANSUNION, XXXX, and XXXX the complete removal and deletion of the Public Records and Inquries listed in my credit file. All three credit bureaus are stating they have verified the information. 

The credit agency has not verified any records as they have stated. They have stated they have verified these records with XXXX XXXX which is a third party verifier. My records with XXXX XXXX have been frozen and suppressed before filing the complaint with the credit agency. In addition I have sent a letter to the aU.S. Bankruptcy court and their response was they DO NOT verify any PUBLIC RECORDS with any credit bureau. ( See attached letter ) In addition I have attached the a publication from XXXX regarding the Law that took effect XXXX/XXXX/XXXX. If a bankruptcy is listed in a credit report it must contain the full name, Date of Birth, and Social Security Number ( please see attached publication. 
In addition per law I have requested a copy of documents from the credit agency that they used to verify the Bankruptcy and INQUIRIES listed on my credit report by law they must provide this documentation to the consumer if requested. 

Under the FAair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of request comcerning the accounts thaty you are reporting in my credit report. Please do n't respond to my request saying that these accounts have been verified. Send me copies of the documents that you have in your filesthat were used to verify them. If you dont have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under SECTION 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccuracte and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with verifiable proof that yiu have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. Please also delete all non-account holding inquires over 30 days old. I demand the following accounts be promptly verified or removed immediately. 

The credit agency has refused to follow the law and therefore must delete and permanently removed the disputed information from my credit file Sincerely, XXXX XXXX
I am submitting a complaint regarding my student loans with Navient. My student loans were switched from XXXX XXXX to Navient several years ago. My student loans stem all the way back to 2005 when I began my educational training for XXXX XXXX through XXXX XXXX XXXX in XXXX XXXX OH. My education was put on hold do to financial difficulties and within no time, I was being billed for the classes I had completed. XXXX XXXX made it very difficult to work out a convenient payment plan. I fell behind and my credit began to drop. Without notification, my loans were switched to Navient. Again, Navient made no attempt to work with me on setting up a reasonable payment plan. Instead, I was under the impression forbearance would be the best option. During this time, I began trying to register for classes at XXXX XXXX to complete the program and receive my degree. XXXX XXXX XXXX has since closed all it locations and I am now stuck with student loans for a degree I do n't have. 
I do not know who to talk to regarding this issue. 
I been unsure of who to contact regarding my complaint. I am paying a high amount for a degree I have not received. I am struggling to pay for student loans that have built interest while in forbearance and now the XXXX is no longer in service.
I already have an account with one main. I was approved for XXXX. They paid off my car in which I only owed {$680.00}. I received a check for the remaining balance which was almost a {$1000.00}. I was charged an additional {$2200.00} with fees and interest and my total pay back is {$4000.00}. Every 60 days they send me a loan offer saying I am eligible for an additional amount. XX/X/17 I had 3 offers with different pay back amounts and different loan amounts. I was denied due to having to many things in my name which are my student loans for me and my daughter. I am obtaining my XXXX so I will be in school for 4 more years and my daughter still has another year. I worked for a XXXX XXXX for over 10 years and I have a XXXX certificate so my loans will be deleted once I have completed my studies. Some of my loans have already been deleted due to the schools not being accredited and closed down. So every time they run my credit, it drops my scores. I have asked them several times not to send me these loans by mail, email or on my account. The site says Guaranteed if you already have an account but its not true. They have you apply then bring your credit score down at least by 25-30 points! your score decreases a lot when you apply for their loans. I informed them their payback is ridiculous and it is a rip off. For a {$1700.00} you have to pay back almost {$3000.00} so you are stuck fr a few years paying them back. I had an emergency and needed the money at the time but when I signed my paperwork with them while they were still Springleaf, my paperwork stated my payback was {$200.00}. When I tried to go back i to their electronic system to pull up my paperwork, it was changed. I argued this fact for months and filed complaints but no one ever addressed the issue and I only received the papers that were changed. Now I am stuck paying off a car that should have been paid off months ago because they are guilty of predatory lending. The get you excited to receive this loan that they are not going to give you and ruin your credit. I asked them why do you all keep sending me this info saying I am conditionally approved. This is totally a rip off and a scam.
Two issues that have not been reported correctly. Great Western Bank has reported late payments several years ago because multiple payments made at one time were credited to my account as one payment. XXXX Hospital XXXX has reported a collection account on a balance resulting from XXXX XXXX Co taking several months to pay entire bill. A collection referral is indicated but there was never any contact or collection activity pursued since the hospital was aware of the yearly deductible being met and the insurance company finalized the claim in three months. Both of these accounts have been paid in full for many years but still remain active despite contact several times to resolve.
I am a victim of identy theft and the inquires listed below are a result of the identy theft XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX
My mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage last year. I never had a problem with XXXX. My first payment to Carrington was cashed, but not applied to my mortgage as they claimed it did not contain the supposed late payments they were owed. I continued to make payments to Carrington with no ill effects thru XXXX. On XXXX XXXX I recieved notice from Carrington for an amount owed to get current. I was confused as I had sent every payment in to Carington. Carrington then claimed that they had not applied any payments i had sent them and i was to send them back payments for over {$35000.00}. I thought it was odd and sent them the check for $ XXXX. Carrington returned the check on XXXX for over claiming that the amount was too large and needed to be sent by certified funds or wire. On XXXX I called Carrington to get wiring instructons to pay the amount due and was told by ( XXXX, no last name given when asked emplyment # XXXX ) I was now in Forecloure and certified mail was sent on numerous occasions although I nor my post office has record of same. I was also told by XXXX that as a result of Foreclousre action additional funds including attorney fees would be required and I would get a phone call with said amount within 72 hours. She also stated that a re-instatement procedure would be implemented so once they called me with required payment my mortgage would be re-instated. I never recived a call from Carrington within said 72 hours so i called them on XXXX and was told by XXXX, ( no last name or employment number, he didnt seem to know what an emplyment number was ) that " no new information was available and the amount owed was not known at this time '' .I asked who his supervisor was and he stated XXXX XXXX , but she was in a meeting for the rest of the day and she was currently unavailable. he also stated that he had left her a message to call me by the end of the day, I have yet to hear from XXXX XXXX. I also asked XXXX for a contact at the Foreclosure Attorney, they gave me the name and number of XXXX and XXXX. I contacted XXXX and spoke to XXXX, he told me they sent the reqiuired information to Carrington on XXXX. I again called Carrington on XXXX to verify that they recived the info from XXXX and they had no record. I finally talked to Carrington today XXXX as was told they did have the amount due information and it would be faxed to my personal fax number and mailed to my home address by certified mail. I have yet to recieve said information. I 'm just trying to make my mortgage payment and I want the amount due with instruction on how to pay same. I have not recieved any information on the amount due, attorney fees or supposed penalites that Carrington may be demanding. I 've done nothing wrong, Carrington has refused payment, has acted grossly negligent, lied on numerous occasions and failed to follow up when promised. I ask the CFPB to investigate this matter and advise on how i can be compensated and protected from future unfair treatment by Carrington.
I first borrowed XXXX for graduate school XXXX XXXXXXXX from XXXX XXXX   {$10000.00} and {$2000.00} was supposed to be paid part of my internship from XXXX during my second year of graduate school for the school of XXXX XXXX. 
After I graduated my exhusband ran away with our children to XXXX and so I had to put my loan payments on hold in order to pursue my children to try to bring them back. This lasted longer than expected and so my loan had to be refinanced. Now loan is XXXX and I can only afford to pay the interest of XXXX a month. I am XXXX XXXX XXXX and don't know what to do. I want to pay off the original {$12000.00} I borrowed only. This added interest is killing me.
I have asked for written correspondence from Performant Recovery instead of all the phone calls, which is handling my student loan. I contacted this company about a repayment plan on my student loan, ( but I was still sending {$30.00} per month ). I 've faxed and mailed XXXX now to XXXX XXXX all the information needed to arrange payment since XXXX 2015 only to receive phone calls from from another agent from Performant Recovery. Stop calling and put it in writing. In the meantime Performant Recovery keeps adding fees to the account. Is this fair?
A XXXX representative told me that I Could make mortgage payments in multiple payments online and my partial payments would be held until the remainder of the payment was made and would then be processed as a full payment. On XXXX XXXX, XXXX a partial payment of {$500.00} was not held and was applied to the principal instead. The remaining {$780.00} was paid before the due date which would have made the complete payment on time but instead was held until the next partial payment for the next month was made, generating a late fee and a late mark on my credit report. When I called to complain I was told that the {$500.00} principal payment would be reversed and I would be credited any late fees due to the issue. I was advised by another XXXX representative not to make partial payments to avoid this issue and began making full payments at that time. The reversal was not done as promised, no late fees were credited and after many phone calls to XXXX and promises to correct the issue by XXXX, nothing has been done. Incorrect reporting of late payments and the generated late fees have persisted every month since, adversely affecting my credit rating even though my account is current. Every XXXX representative I speak to on the phone has agreed that my account should be current if the reversal was done and late fees credited, yet no one at XXXX has actually done anything to resolve the issue.
XXXX-17 : Received COLLECTION AGENCY ALERT from North Shore Agency regarding {$110.00} allegedly owed to XXXX in XXXX, PA. I immediately disputed the debt in writing to North Short Agency as well as XXXX. I do not do business with XXXX at all. Debt is not mine.
I HAVE APPLIED FOR HARDSHIP ASSISTANCE AND PROVIDE ALL INFORMATION TO MY SERVICER, THEY HAVE REPEATEDLY REQUESTED FOR MY TAXES WHICH I HAVE CONFIRMED ON EVERY CALL THAT IT HAS BEEN RECEIVED. 

I SPOKE TO A SUPERVISOR WITH THE TELLER ID # XXXX AND WENT OVER THE TAXES WHICH WAS CONFIRMED RECEIVED. I HAVE LOST MY XXXX 'S SO I HAD TO REQUEST TRANSCRIPTS FROM THE IRS WHICH CLEARLY STATES THAT I FILED XXXX TAXES WITH MY NAME AND SS #. THE SUPERVISOR I SPOKE TO DIDNT KNOW HOW TO READ TRANSCRIPTS BECAUSE I WAS TOLD MY NAME WAS NOT IN IT SO I HAD TO POINT IT OUT, THEN STATED MY SS # WAS NOT ON IT SO AGAIN HAD TO POINT IT AND LAST QUESTION SHE ASKED WAS I DONT SEE THE TYPE OF TAXES YOU FILED SO AGAIN POINTED OUT WHERE TO LOCATE IT. I CANT BELIEVE THAT A SERVICE OF MY LOAN DOES NOT KNOW HOW TO READ TRANSCRIPTS.. THIS IS MY HOME AND THEY ARE IN CHARGE OF MY LOAN, XXXX HELP US ALL. THIS IS WHY XXXX HAPPEN DUE TO CFPB AND FTC NOT REGULATING WHAT THE LENDER IS REALLY DOING. THIS IS SO ABSURD THAT I HAVE TO EXPLAIN TO THEM HOW TO READ TAXES!! I WAS NOT IN FORECLOSE UNTIL XX/XX/XXXX AND THESE TAXES HAVE BEEN CONFIRMED RECEIVED SINCE XX/XX/XXXX WHEN I FIRST APPLIED. CARRINGTON MORTGAGE HAS PLACED ME IN FORECLOSURE WHILE I HAVE BEEN IN COMPLIANCE WHICH MEANS THEY ARE NOT IN THE BUSINESS OF SERVICING THE LOAN THEY ARE IN THE BUSINESS OF TRYING TO FORECLOSE ON PROPERTIES FOR THE INVESTORS THAT HIRE THEM. 

I JUST SPOKE TO XXXX XXXX ID XXXX WHO CONFIRMED AGAIN THAT THE TAXES ARE THERE AND SHE SEES THE NOTES OF THE PREVIOUS SUPERVISOR TELLING THE INTAKE TEAM WHERE TO LOCATE LEGAL DOCUMENTS PROVIDED BY THE IRS WHICH THEY ARE IGNORING AND DOING WHAT THEY PLEASE. MY ASSIGNED POINT OF CONTACT XXXX XXXX ID XXXX
I was a co-signer on an original student loan, my son refinanced it through Discover student loans. 

They call me at all hours, leave messages. They leave their number but never a name of the company. Just that it is an important business transaction WHen I speak to them the payment is not overdue, they are calling 5 days before it is past due. I direct them to check their on line system, and when they do every time the rep. says that the payment was made within the last XXXX or 36 hours. Then they hang up. 

I have told them time and time again, I am only the co-signer possibly, and not to call me until the debt is overdue, and they refuse to accept this. I get these calls regularly.
XXXX XXXX XXXX has been harassing me in an attempt to collect a debt that was paid off over 10 years ago. This is another collection company that is trying to collect on a debt that was paid. This company threatened to take legal action on the very first call to me and would not listen to my side and kept changing their version of supposed previous events from a previous attempt. The caller tonight became verbally hostile on the phone and when asked for a cancelled check for a cancelled payment said they would not discuss the issue anymore and would see us in court.
I applied for a HARP refinance program with Loan Depot on XX/XX/2018. The company is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The loan officer XXXX XXXX XXXX # XXXX, phone # ( XXXX ) XXXX, told me I have to pay for an appraisal fee {$500.00} to get approved. I asked him what if I don't accept their offer, but he said not to worry, they will make it the best offer, they will make it to my liking, they can even give me a cash out. After the appraisal, what they offered me was not what I expected. The refinance fee was almost {$10000.00}. I couldn't agree with their offer, so I told them to cancel my request and give me back the {$500.00} they charged me for appraisal, but he refused. I also spoke to his manager XXXX XXXX, he also said it is not refundable. 
I should get the money back since the HARP program does not require appraisal fee, and XXXX charged me wrongfully. Also since you can't get a cash out with the program, he misinformed me also. I need help to get my hard earned money back. 
Thank you very much for your help.
PayPal Credit sent two separate emails offering terms of 24 months, zero interest for a limited time ( XX/XX/XXXX  -   XXXX   ) on virtually any {$600.00} and up   XXXX   purchase. This was no " participating merchants '' restriction. The buyer 's credit was the main qualifier for this offer. The offer of these terms would only be revealed after committing to a purchase with a merchant. After committing to the purchase, the instructions said that the buyer simply need select the " 24 month easy pay '' option. So.. on the  XX/XX/XXXX , I selected an item for purchase for {$970.00} ( that I only purchased because of the the favorable lending terms ). Being committed to the transition, I selected the'PayPal Credit option, only to find the standard '6 months, no interest ' option. I reversed out of the PayPal selection and tried to find the 24 month option using two other devises and through the 'classic '  XXXX  site. Still ... no 24 month option was shown. I called PayPal Credit to query them on the offer and the terms not being offered on my purchase. I was given lies by the first representative. The second told me that the terms would revert to the more favorable offer after a couple days ... to just complete the purchase under the only option they were showing ... six months. Over the next several days of phone calls to PayPal Credit, I was given more lies and excuses. However they never changed the terms to their email offer and after snail-mail request for review, never corrected it either. This is classic 'BAIT AND SWITCH lending practices. They were made aware that contacting you would be my next step, if they failed to correct this.
In XXXX I checked my credit report, I realized that there was an excessive amount of inquiries that had been ran without my consent. I disputed each on its a total of 12. As of last month XXXX  transunion and XXXX both said they couldnt find anything and with that being said they couldnt do anything. I wrote back again saying these were unauthorized and basically fraud. They said they closed the investigation. My thing is I think they should know that its excessive inquiries, who runs there credit like that back to back. Up to now my history has never shown excessive pulls like this. Furthermore I have a fraud alert to call me before extending or running my credit.
My loa n is   XXXX   XXXX   o wned. my home mortgage is serviced by Ditech. i have countless issues with Ditech and their practices. i applied for a streamline refinance with Ditech. was told over phone by loan processor i have eligibility that is to expire soon. but received letter on  XXXX / XXXX /   2017  Ditech denied application, refuses to return phone calls. i have left countless messages with my loan processor. no response, no explanations given. very un satisfied. Ditech is not practicing under the rules and guidelines set by   XXXX   XXXX  . my application for streamline refinance was unlawfully denied. Ditech does not adhere to laws, guidelines, nor regulations set forth by federal laws or state laws. Ditech Services is inadequate and of no benefit to its costumers. Ditech business practices is harmful to homeowners and destructive to the industry. Ditech has violated my homeowners rights and is not adhering to housing regulations laws. Ditech has not followed   XXXX   XXXX   guidelines. Ditech mortgage needs to be investigated and licences revoked for deceptive fraudulent business practices.
My CareCredit Synchrony Bank account started adding a fee for Account Security without my permission. This fee is based on the account balance. I signed up to have the minimum payment due automatically paid thru my bank account. The minimum payment calculated by CareCredit does not cover this fee. Therefore, each month my balance increases, and this fee increases. I contacted CareCredit and they stated this fee started in XX/XX/XXXX and they would refund 3 month 's worth of these fees ; however, I am looking at statements back inXX/XX/XXXXthat show this fee. I don't currently know how far back these fees go since this account has been open at least four years. When I went to the CareCredit website I could only view transactions back toXX/XX/XXXX.
I  missed one  month of paying the card balance in full (   XXXX   XXXX     ) - I paid the following month (   XXXX   XXXX      ) in  full, which included interest for the unpaid balance in  XXXX , but they still charged me interest on the   XXXX   XXXX     bill based upon the unpaid balance from the   XXXX    bill  - even though there was no outstanding balance from the   XX/XX/XXXX  bill.
Recently I contacted Bank of America in an effort to refinance my house and get out of the ridiculous rate of interest that I was currently paying on my first mortgage and my home equity line of credi t. (  8.625 % ) 4 years ago, I got divorced and went from a  XXXX  family income to a single person income, and I fell behind in my mortgage and home equity line of credit payments, but eventually caught up and have made both payments regularly fo r four y ears now. Due to the fact that four years ago Bank of America issued me a foreclosure letter on my current property, but nothing since then, I was refused a " Cash Out '' refinance option that would allow me to roll the first and second mortgage into  XXXX  and reduce my interest amounts considerably. When I asked my agent to provide me with the reasoning behind why I did n't qualify for the " Cash Out '' option instead of just qualifying for refinancing the first mortgage, he stated that because I had received that foreclosure letter four years ago, that according to Bank of America 's guidelines, I did n't qualify for combining the first and second mortgage. I asked the agent that I was working with to provide me with a written explanation of why I did n't qualify for the combined mortgage option, and he told me, " Bank of America 's legal team advised him against sending me anything in writing to why I was n't being considered for the " Cash Out option. '' He also stated to me, " since I was being considered for the refinance of just the first mortgage, that Bank of America does n't send out explanations unless the loan for which you are currently being considered is n't approved. ''
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with contract or any instrument bearing my signature validating that the debt is mine