WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX I sent a fax to XXXX XXXX in the Consumer Affairs department with Equifax to have my student loans information corrected due to Equifax reported two of my student loans in default for XXXX XXXX and XXXX XXXX for these XXXX student loans accounts : XXXX {$1800.00} and XXXX {$1800.00}. I also enclosed the proof regarding the loans were deferred and never in default. I checked my credit report on XXXX XXXX, XXXX and it still showed the student loans being in default in the negative account section of my credit file which has caused a major impact on my credit score due to the fault of Equifax. I contacted Equifax and was directed to Consumer Affairs on XXXX XXXX, XXXX and spoke with XXXX XXXX at that time and the representative stated and assured those XXXX student loans were updated and no longer showing in the negative accounts section because Equifax caught the mistake and corrected. So I check on XXXX XXXX, XXXX to see if the update took place and it still showed those 2 student loans in default and in the negative accounts section and now in dispute which I did not request for those accounts to be disputed because according to XXXX XXXX this was corrected and the error was caught by Equifax to correct what they had done. I contacted Equifax once again and spoke with a XXXX XXXX and she told me that XXXX reported these two accounts as default for XXXX XXXX and XXXX XXXX, which that is incorrect because I contacted XXXX and they confirmed they did not send that information over to Equifax and what Equifax is reporting is incorrect and none of my loans were in default as confirmed by the representative with XXXX. The representative at Equifax, XXXX XXXX stated that it was reported by XXXX and it was in dispute, and I informed the representative that I did not dispute and I was advised these 2 accounts were corrected because Equifax made the error in reporting false information. XXXX XXXX then begin to falsify that I stated I was recording the call and I did not state that, the representative was trying to look for a reason to disconnect the call. XXXX XXXX would not give me corporate information to make a formal complaint about this issue and stated that she was the highest level of escalation and management. She did not give me any management names that is over her and kept saying she is the highest level of escalation and disconnected the call. This has been an horrible experience with Equifax and due to the hack that took place they are not willing to resolve any issues.
I applied for a renewal of my income based repayment for my federal loans. For the last number of years I have made the same payment of about {$770.00} for my consolidated federal loans. This was full repayment mode. I received income based repayment for XX/XX/2018 for $ XXXX  monthly. Now that my plan has expired my payments went up to {$1600.00}. I don't understand why it would double ... Ive never paid that amount. I was on full payment plan, not graduated payments I do not understand why the payment would be so much. 
When I called to ask, I could not get an answer. I did the application and I still need to provide another document for my application. 
But why would my payment double?
Hello, I am a XXXX, and got an email from CashNetUSA on XXXX XXXX, XXXX for someone else -- her name is listed in the email -- advising she was denied credit. I can only presume this person filled an online application out and made a mistake in the email address -- so it came to me. 

I emailed the company to advise of the issue, presuming they would contact the applicant. 

Instead, they sent a further email including the person 's credit score and reasons she was denied credit. This is a huge privacy breach, and while she may have made a mistake in typing her email address on the application, I emailed them specifically to advise of the mistake and whatever system they have in place replied with personal information that I should never have seen. I do n't know the applicant and do n't have enough information to find her and inform her of this issue, and the company wo n't respond, so I wanted to let you know as this is something I 'd be concerned about if the tables were turned.
The creditor ECMC has had a collection/charge off account on my credit profile which I have disputed several times because the student loans were consolidated and they were never late. The creditor keeps removing the accounts from my credit profile then places them back on my credit profile as a new collection account. This is impacting my credit score greatly as the accounts are in negative standing on there and being reflecting twice on the separate accounts and on the consolidated account. 

I have disputed them several times and each time the accounts were removed then placed back on my credit profile
I have paid for 2 accounts that were in collection and also sent them letters to clear all hard inquiries from my credit reports which is affecting me but every time I call they tell me to send them letters again and that they can't or won't remove my hard inquiries I got over 34 inquiries and that really affects my credit score I am working with a loan officer and through his recommendations I'm doing letters to have them clear. But transunion employees are to rude
BELOW ARE XXXX COMPLAINTS THAT WE HAVE AGAINST NEW AMERICAN FUNDING, WHICH ARE : ( 1 ) XXXX ILLEGALLY HELD REFINANCED FUNDS FOR TEN DAYS, WHILE THEY CHARGED {$80.00} PER DAY FOR THE LOAN PAYMENT ; ( 2 ) TWENTY-NINE DAYS AFTER THE FUNDS WERE DISPERSED FROM OUR REFINANCED LOAN, NFA ( THROUGH XXXX ) CONTACTED OUR CREDITOR AND ILLEGALLY REQUESTED THE REFUND OF {$5700.00} WITHOUT PROVIDING ANY REASON OR WITHOUT CONTACTING OR INFORMING US. 
Here are the details of our complaints : We closed a refinance mortgage with New American Funding ( NAF ) on XXXX, 2017, which included loan consolidation of {$330000.00}. We were told that the funds of {$330000.00} would be wired to our creditors by Friday XXXX, since we did not have a " right to recind '' clause in the contract. Funds were not released, however, until I repeated called and threatened to request a Federal audit of NAF. Then after ten days the checks were reportedly sent and " lost '' and resent by NAF. 
I contacted both XXXX and XXXX ( loan representatives at NAF ) several times, but neither wanted to offer a solution to the problem of the missing funds. We were charged {$80.00} per day for funds that were not released from New American Funding ... this means that NAF charged us approximately {$800.00} before the funds were finally released. ( Note : NAF claims to close over XXXX loans each month. That number multiplied by the XXXX dollars, could constitute quite a scam every month. ) Today, XXXX 2017, I checked the balance of our XXXX, reportedly paid by NAF on XXXX in the amount of {$5700.00}. I was told that XXXX ( contracted by NAF ) requested a refund of the {$5700.00} and the funds were returned without my knowledge!!!!!!! This sounds like a scam to me. 
I am requesting a Federal Investigation of NAF and XXXX for what appears to be illegal practices : ( 1 ) charging for money that has not been released ; ( 2 ) Illegally requesting the return of funds that were paid through the refinance with no notification to us. ( 3 ) I am requesting a refund of {$800.00} for payments on our loan with NAF for funds that were not released ; ( 4 ) This may be a scam directed toward us, seniors ( over 65 years of age ). 

Thank You!!!
I have a medical bills on my credit report who was already paid by my insurance. I received calls from collection agency with treated and rudeness. I never received any final bill from any office to paid just received calls and find out when I check my credit reports.
I am an victim of ID theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used or benefited from these accounts or transaction in any way. Please delete all these.
I have a Wells Fargo business checking account which is linked to my Wells Fargo Mortgage account. Wells Fargo has linked the XXXX accounts, I am able to make a mortgage payment directly from my business checking account. 

We have an auto-draft for the mortage from my wife 's Wells Fargo personal checking account and have a monthly mortgage payment auto-draft on the XXXX of each month. 

I elected to pay my XXXX XXXX, XXXX using my business account. 

Wells Fargo still drafted my wife 's personal account and did not recognize the payment had been made from the business account. 

My wife had the transaction from her personal account and the overdraft fee reversed by a customer service rep after explaining what happened. 

On XXXX XXXX, XXXX the transfer of funds from the business account to the mortgage was reversed by Wells Fargo. No one from Wells Fargo reached out to inform me that this action was taken and it was only through complaining to the bank, in writing, and talking to representatives and looking at my account, that I learned the transaction was classified " incomplete '' and reversed by Wells Fargo. 

Wells Fargo subsequently deemed the payment, " late '' and entered derrogatory information into my credit history which will not be removed by the bank until XXXX. 

I am a XXXX and have the money to pay my mortgage. The XXXX XXXX payment was not a matter of missing a payment, it was a matter of a transaction being reversed by Wells Fargo.
I received a letter from the federal trade commission saying that Ameritech Financial is being sued for deceptive practices. According to the information on my loan account my loans were consolidated on XX/XX/XXXX. This is when I joined Ameritech financial. 
My first year and half was {$250.00} a month, then it was lowered to {$99.00} a month. 
I had several calls from other companies asking me to move over to their company, I am a consistent individual so when I am with a company I stay with the company. 
Ameritech contacts me via email when I make a payment, before a payment is due and what it will read on my bank statement. I never thought they would be sued. 
Here is where they started to " rub me the wrong way ''. 
I had to change bank accounts and in that process I contacted XXXX XXXX with Ameritech asking her to give me the address so I could sent them a money order. I did not hear from her so I sent it to the wrong company ( XXXX XXXX ). 
She contacted me later saying I was behind on my payments and they never received the money. I let her know that I sent it to XXXX XXXX and she said none of my payments are going toward the balance of the loan ... Confused I said, how do I get the money back? She said I needed to call XXXX XXXX directly ... That was XX/XX/XXXX ... I still have not gotten the money back for that transaction. 
XXXX contacts anytime they do not receive a payment or my payment is late because of automatic drafts, however contacting them is a long phone call, and days of waiting. 

I did take the time to change my password and information for XXXX XXXX and XXXX as advised in the letter. Through these websites I have seen that my overall balanced has increased significantly, as if payments have no been made since XXXX. 
I am angry, confused, and disheartened, because I have given a portion of my earned income each month hoping that my, now consolidated loans, would be lowered. 
As a consumer what can you do for me?
I had my federal student loans at multiple places, XXXX and XXXX, and applied to have it consolidated, to XXXX. During the consolidate however XXXX decided that they to sell my loan, to XXXX. XXXX never bothered to verify that information was still accurate after they completed their process before they sent the money. XXXX is now charging me for the new consolidated loan even thought the original loan still exists. XXXX has now been paid twice for the same loan they claim to have sent the money to XXXX however XXXX claims to never have received it, even though it has been over a month, and is continuing to charge me for the loan. I have spoken to customer service at each company multiple times and all they do is tell me to call the other companies. Having the loans duplicated is hurting my credit and having to pay the same loan twice is straining my budget. Even if I eventually get this worked out and get reimbursed the money I am paying to the principal, I doubt I will ever get back the payments I am making to the interest. Right now everyone is making money off of me and I end up with double the debt and having to pay the same loan twice, and the longer this goes on the more it is costing me.
capital one 360 will not give access to the private parties that want to look at my account history so I can be approved for a loan this is stopping me from financial aid I've reached out to capital one 360 all they say is sorry we can't ... but it's my account not there's to even control
I received a letter from a collection agency regarding a medical debt. I sent a letter asking for information on the debt since I had no knowledge. I also asked nothing be reported to credit report until we could verify the debt. I have yet to received ANYTHING from them and it has since been reported to my credit report. I also sent a secured email to them through their website. They stated they could not tell me anything over the SECURE email even though I verified my information through it! They stated they could call me and I advised them they could send me a letter. I have also never received anything from that communication. I feel it is wrong to report something negative to my credit report without allowing me to verify and/or pay the debt once provided with the information.
Hi, I had previously submitted a complaint in XXXX  of XX/XX/XXXXwith Sallie Mae - who has since sold my loan to Navient. The previous complaint case number was : XXXX.

The complaint was centered around raising my payments after doing an interest only repayment. I settled on an agreement with Sallie Mae - which was to an extension of 3.5 years to help keep the payment at the original payment amount of XXXX per month.

Upon checking on the status of these loans - it looks like they have extended my loan to XX/XX/XXXX. I graduated in XX/XX/XXXXand was told that my Master Promissory Note shows a 10 year repayment. This means that I should be done paying these loans in XX/XX/XXXXor XX/XX/XXXX at the absolute latest. My monthly payments have also steadily increased from {$620.00} a month to {$670.00} a month currently ( and to be clear the total interest being paid a month is actually less than it was in XX/XX/XXXX).

I tried calling Navient and asking for the agreement and original master promissory note. I was told they would get them to me by Friday of last week ( XX/XX/XXXX ) and they have still not been sent.

I have been paying these loans for over 11 years at this point. I took a short period of time where I paid interest only and I'm aware that this extended my payment - but I did not agree to have this extend to a 19 year repayment. This is unacceptable and I'm hoping you will be able to assist me.
I purchased some solar panels from a company called XXXX XXXX on XX/XX/17. Included in the total {$1000.00} charge was a separate line item for {$340.00} of shipping charges for the components. After the payment was made, the vendor and I agreed that, I myself would arrange and pay for the shipping and the vendor agreed to refund my {$340.00} in shipping charges. This never happened. I tried to email and call the vendor multiple times to no avail. I tried to dispute this with XXXX to no avail. So far Bank of America has also refused to credit me back the {$340.00} shipping charges even after multiple phone calls to them. I have provided much documentation to Bank of America to support my claim.
XXXX ,   XXXX   and Transunion are reporting late payments for months on my credit report that I was on the rehabilation program with U.S DEPT of ED and in fact making payments to the U.S DEPT of ED during months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  to make payments for  XXXX  that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In   XXXX   myself and the U.S Dept of ED changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by  XX/XX/XXXX . I was under agreement from  XX/XX/XXXX  XX/XX/XXXX  to pay my balance in full. I completed that agreement and paid my balance in full on  XX/XX/XXXX . I would like for each credit bureau  XXXX ,   XXXX    and Transunion to update my payment history with the accurate info showing my account was in fact being paid for the following months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  XXXX . And for the months  XXXX   XXXX  and   XXXX   of   XXXX   as well I was under agreement at this time and was told that no payments were going to be reported late because of my agreement that I had set up with the U.S DEPT of ED.
fraud on my credit file on account i never had!!! 
XXXX XXXX XXXX XXXX for {$780.00} file date XX/XX/2019
In lieu of several attempts to have this matter corrected I am requesting that a human being investigate this matter personally and not a automated computer system. I do not owe this debt. XXXX XXXX and the credit bureau are in violation of my rights under the FCRA. By law I have the right to request documentation proving the debt is mine and is valid. XXXX XXXX has failed to provide any proof this debt is valid to myself or to the credit agency. Each time a complaint is filed against XXXX they claim the debt is valid without furnishing any documentation. XXXX, XXXX  and Experian have also failed to formally review proof of debt by XXXX. I am again formally requesting that XXXX and the credit agency formally provide proof that this debt, balances and dates are accurate. If this matter is not resolved an investigated within 30 days I will be filling a civil suit against the credit bureau.
I contacted Citi bank originally in XX/XX/2018 to tell them to cancel my account when they lowered my credit limit over unrelated information. XXXX wouldn't give me the 30 days dispute I was allowed so I told her cancel send me my bill. I was never sent bill. I call back to tell them they sent the wrong amount with added fees and late charges that I am not due because they did not send me the bill as I asked when originally requested when closed. But they kept calling and calling all of XXXX and XXXX. I called two agents in XXXX and XXXX to resolve this. Finally today after I requested they cease and desist back in XXXX and the agent corrected the bill over the phone and placed me on do not call list I got another call today by Citi bank again and still never received the correct bill in mail as discussed. I am tired of being harassed. and Not being sent the corrected bill to let me pay by mail since my account is closed? We agreed that the amount was XXXX after deleting all the extra fees and additional lates addendums that they were adding plus percentages that they calculate. but I have been trying to get this bill corrected since XXXX!!! maybe before actually but I know I spoke with minimum 3 reps. and I won't speak to anymore.
I contacted all three credit bureaus regarding unverified debt appearing on my credit report. I sent a individual letters to each bureau asking for verification of debt regarding my credit report and score. On XX/XX/2017 I sent these letters with certified mail and the letters were received by each bureau. The letters simply stated that this debt verified and proof of documentation to be presented within 30 days. If not simply stated the following : Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you 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. 

XXXX has yet to remove this debt from my credit reports which is adversly affecting my credit score and credit worthiness.
The account XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever
I make my mortgage payments automatically every month from my bank account. My regularly scheduled payment went out on XXXX XXXX 2017 as usual. However the company has failed to apply it to my account. So they continue to send me notices that I have missed my payment. I have sent them an image of the processed check - cashed by them - plus the activity statement from my account showing the payment. I have sent this information more than once and my account is still not reflecting the payment. Meanwhile they are escalating payment collections. When I sent an inquiry via email I did get a response asking me to fax the information, However, after multiple tries at faxing, their machine is always busy and I can not send my information. So i have sent it to their customer service email multiple times. I asked for the situation to be escalated but i do n't think this has happened. This is actually the second time this has occurred with this company, The first time, one email with the processed check image was sufficient. 

Copies of the information that I have sent are attached.
I received a letter from " GC Services Limited Partnership '' with the return address of XXXX XXXX XXXX, XXXX PA XXXX. The provided phone number was XXXX The letter was to inform me of a fraudulent {$1100.00} debt on my " account with XXXX ''. I know that this is fraudulent because I have never been a customer of XXXX in my life ; I have used XXXX XXXX XXXX since my first cell phone, and I have always been on a family plan -- I have never had a phone bill in my name. 

I considered calling the company, but given a XXXX search I inferred that they are a predatory collection agency and decided I would have more success contacting the CFPB first.
On  XXXX / XXXX /   2017  I contacte d Sunset Finance o n  XXXX   XXXX  in  XXXX  to apply for a loan over the phone. I spoke with and.  XXXX  who asked whom I was and put me on hold. She came back on the line and stated that " he '' said I could not get a loan with them. She did not take my application or anything. How can u deny me before completing an application?
Received my Equifax XXXX credit report and there was a credit card on my report that I did not apply for from XXXX. I called the fraud department of XXXX and they would not help me unless I agreed to a disclosure statement which I did not want to agree to. XXXX made several errors resulting in them issuing a credit card under my identity and would help me resolve it.
Equifax is reporting outdated information.
XXXX and XXXX XXXX XXXX  are two accounts that should have been deleted in XXXX.
XXXX  and XXXX both deleted these accounts as they should have but Equifax continues to be uncooperative and defiant. They are ignoring the fact that the first delinquency for both of these accounts is more than 7 years old.
I have been denied credit twice in the last few weeks soley based on a report from Equifax.