WillisBack/dataset-financial-user-claim huggingface dataset:
Hello my name is XXXX XXXX I have both private and federal loans with navient I previously went to XXXX XXXX who have recently closed for good on XX/XX/XXXXsince then I been inquriying information on the school closure discharge form that I heard about and once I found out about it I filled it out and sent it to navient XX/XX/XXXX since then I have heard nothing back from my services Navient and everytime I call and ask about I always get a different number to call. Then I was told the private loan I have does not qualify for that type of discharge when on the federal service aid website states that both loans can be discharged it does n't go into detail about what type of loan it just says federal and private. It 's hard enough trying to raise a family in today society on top of a school that promised job placement once graduating closes down where credits do n't transfer nor receive a certificate. When I attend XX/XX/XXXXXXXX I enrolled in XXXX XXXX which was one year and 4months to  complete the program due to there poor orginazation i was told that they did n't have instructors to teach the two classes I need to receive my certificate but I can be switch to a XXXX XXXX  program for 4 years and receive a bacholors degree. At the time I was frustrated about the change in course and not being able to complete my classes I chose not to do the 4year program. I do not believe it 's fair that I would have to pay a XXXX dollar loan when I was told I would receive a certificate and have job placement once graduated and now that the school I have no records of transcripts nor contracts that was signed. Going forward I believe this loan should definitely be discharge for false advertising and also because of the shcool closing. If I knew this process would be so depressing I would have never chose to go to XXXX XXXX which was a fraud school and anyone that attended and did n't receive a certificate should n't be forced to pay the balance nor does those type of loans have any options to help other then the 12 month rate reduction which is still a XXXX option if it 's a parent plus loan because it 's based on the parents income along with yours I need answers better yet would like to seen this XXXX dollar loan that I receive no certificate for no job placement nor credits transfer be discharged due to school closing.
My name is XXXX and today I received a telephone call from ERC regarding a debt that they stated I owed from XXXX XXXX. ERC said that this debt was owed from 2013 in the amount of XXXX. The representative, XXXX XXXX, was very mean and angry and I am a XXXX year old man with medical problems. I have never received a letter from this company regarding this debt and the representative demanded my credit card or a check by phone. I gave my daughter, XXXX XXXX, permission to speak with them because I felt threatened and did n't understand what was going on. She requested a supervisor and the supervisor was XXXX XXXX ID # XXXX. The supervisor admitted that they had not mailed a copy of this debt to me. My daughter advised that the telephone number that they contacted me on ( XXXX ) was on the national DNC list and was owned by her and should never have been called. The supervisor apologized for breaking the law and said that he would never contact me again. I am very stressed and displeased with the way I was treated my ERC. I am XXXX years old and this is no way to treat a senior citizen.
I obtained a Chase Freedom card, with an offer of 0 % interest for the first year. I was encouraged to take overdraft protection ; I was told that this overdraft protection would reduce the fee in half. I was never told anything about interest, and was told to sign a waver. I asked, " whats the catch. '' " No catch '' the clerk said, " just lower fees in overdraft. 

There was a catch. That zero percent interest did n't apply to fees. Apparently I was paying interest every single month on those fees. It cost me hundreds of dollars again. The entire program was designed around defrauding people who do n't think this far into it, are inexperienced with credit cards, and would n't think to look at whether interest applies here.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ),  XXXX XXXX XXXX Account Number : XXXX ( XXXX, Equifax, XXXX   ), XXXX  XXXX XXXX XXXX /XXXX XXXX XXXX TN Account Number : XXXX ( XXXX  , Equifax , XXXX ), XXXX  Account Number : XXXX ( XXXX , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax , XXXX ), XXXX XXXX Account Number : XXXX ( Equifax ), XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax , XXXX XXXX ).
We received a letter about collecting a debt from Account Services ( absurdly enough, that appears to be the actual name of the company ). The letter stated that it was regarding XXXX XXXX XXXX and the claim ID is : XXXX. None of this means anything to us as this is the first we 've heard of any of this. So my family member who is also an attorney offered to reach out and get the necessary information to find out what this is about. She called and the person in charge of the account refused to give her any information over the phone as I was not present so then she requested that they send me information about the claim in the mail, just as they did the collection letter. She did not request it to be sent to her or require them to give her any information as they refused, but merely requested that they send the information to me using the address they already have on file for me. The representative refused to acknowledge this request even though she repeated it multiple times so she asked why he was refusing to provide information to the person from whom he was trying to collect a debt and he ended the call by saying that collections would continue. But I will not pay a claim that I do n't know anything about and do n't even know if it 's a legitimate claim on me and he refused to send any information about it, even though he could easily do so since he obviously has my address.
Today on XX/XX/2018 This company called my place of employment at least 3 time or more times. between XXXX and XXXX XXXX.
On or about XX/XX/ 2018 Capital One removed {$1300.00} from my checking account without my consent or authorization. Despite spending many hours on the phone talking to various employees of Capital One, nobody was willing to give me any explanation for why the money was taken. I was simply told that they received a request from another bank that they couldn't refuse. The remainder of the funds in my checking account were mailed in the form of a check to my PO Box , and my account was closed. This caused a very real hardship, as I explained to Capital One that I had a flight booked that very same day to leave for vacation.
Equifax has fraudulently allowed XXXX XXXX XXXX XXXX to report negative information on my credit report. I have filed a complaint with the FTC and the law enforcement.
XXXX XXXX XXXX did not notified me of a pending lawsuit until I was served papers. When I contacted them, I explained that the debt was business debt and not personal debit. The agent refused to listen and started threatening me with more legal action if I did not pay them. The amount they wanted way way out of what I could afford. They told me to quit paying my mortgage and to shut off utilities to give them what they wanted. I gave them money out of fear. I have since lost my house due to their tactics. 

They had no legal grounds to come after me personally for a debt under an LLC. They had no legal grounds to pierce the vale of limited liability. A quick search online will show the amount of complaints and unlawful tactics the firm uses to scare people into giving them money. 

I have also not received any notifications about payments being processed or that the debt is paid off, which it should be. This firm is out of control and using predatory and illegal tactics to scare people into paying them.
I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

My correct phone number is XXXX Item # 1 : I XXXX - XXXX, this account IS MORE THAN 10 YEARS OLD. Please delete. 

Item # 2 : XXXX - XXXX ...., account not mines, please delete. 

Item # 3 : XXXX XXXX XXXX XXXX XXXX ...., fraudulent account, please delete. 

Item # 4 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 5 : XXXX - XXXX ...., this account is duplicated, both should have been deleted. 

Item # 6 : XXXX XXXX - XXXX ...., this account is aid in full not charge off. Proof is enclosed. 

Item # 7 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 8 : XXXX XXXX - XXXX ...., account was paid in full prior to being a charge off. 

Please delete address XXXX XXXX XXXX XXXX XXXX Tx. Never lived there. 


The following information is part of your credit history and is provided to others. 

Inquiries below are not mines and should be deleted. 
XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016
Loan with Access Group that is serviced by XXXX. All accounts are paid timely, but the companies have misapplied payments and refuse to make correction. Proof of payment has been provided by mail and email multiple times. 

Specifics : In XX/XX/XXXX, I made my scheduled payment but received notice that payment was not received. Contacted the company and gave proof of payment. Within a week started receiving phone calls that the loan amount was due. Again, gave information on payment that was made and was told via phone that it was misapplied and correction would occur. 

In XX/XX/XXXX, made payment as scheduled ( on automatic payment from bank for payment on the first of every month ) and the same thing happened. Except learned that they never corrected the error from XX/XX/XXXX. 

The problem now continues to happen every month. I have spoken with both companies. I have mailed them proof of payment. I have emailed representative copies of my bank statements and proof of payment to both companies. I have asked if there is anything I can do differently to help them. They just keep misapplying payments and incorrectly claiming payment is due. 

I still get a phone call nearly every week from the company and just received another notice of being delinquent with fees and late payment. Payments have been made timely and continue to be made timely.
I was a mortgage holder with Freedom last year. I proceeded with a refinance that closed at the end of XXXX, XXXX. For some reason there was an issue between the title company payoff and Freedom. This resulted in an outstanding balance on my account ( which should have been closed ). I received a bill for XXXX XXXX and called Freedom immediately. I was told by the customer rep that it was an error and that the account should be closed. I then received a bill in XXXX and called again. They were 'looking into it. ' After this call I engaged my new lender and their title company that had processed the transaction. I authorized the title company to speak with Freedom on my behalf. This whole issue was supposed to undergo a 'management review ' on XXXX/XXXX/XXXX. This is more than four months after the initial issue. Since that time the review has been pushed back to XXXX/XXXX/XXXX, and as of this writing ( XXXX/XXXX/XXXX ) I have not heard of any resolution. I have spent HOURS on the phone with Freedom trying to resolve this. It needs to be corrected NOW. My credit score has also dropped by over a hundred points since this began.
American Express called my mom about my account being delinquent. She told than I do not live there and tried to give them my phone number. They would not take it. They then tried to bully her into making a payment. She told them no and since they would not take my phone number she said she would call me and relay the message. Then she got a letter in the mail saying they took money out of her checking account. Her checking account information has never been associated with my credit card. This is totally my credit card I got an additional card with her name it for her to use as a supplemental card in case I needed her to. She has never used her card. They used her information that I gave them and looked to see if she had a card of her own which she does. She has had her own card for over 20 years. They then got her checking account information and took the money without her consent. They stole her money. They said they put the money back in my checking account and when I asked them why they would do that then they came back and said they aint a check out to my mom already and that she should get it by the XXXX of this month. She kept saying do t worry. Well it is too late for that. My mom has had to borrow mo eu so she could pay her bills. They said they wanted {$160.00} paid on the XXXX of XXXX I paid {$170.00} and they still took that much out of her account and then they stole another {$1400.00}. That is not not right!
I am co-borrower on my daughter 's auto lease with Toyota Financial Services. My daughter was late on a payment. When I was contacted I made immediate payment to bring the account current. Toyota Financial Services reported to my record, a late payment. It is my understanding that as co-borrower, that if I am contacted and bring the account current, a late payment should not be reported to my credit record.
Please be advised XXXX XXXX is reporting XXXX 30 day lates on my credit report for XX/XX/2016 and XX/XX/2016 that I totally disagree with! I made 2 payments in XX/XX/2016 on XX/XX/2016 and XX/XX/2016 yet they still counted me as 30 days past due! I have chatted with them several times and filed disputes yet and still they continue to report the lates which are the only late payments on my whole entire credit report! To put the icing on the cake they sent me a letter saying I was not late! Attached!
Toyota Financial Services ( TFS ) allows its customers to pay online or by phone. I have repeatedly made payments online since I obtained this account. The website even allows you to set up dates for future payments or payment arrangements. My complaint : once a payment date is selected, TFS continues to repeatedly call my phone -- every day and every hour on the hour! I receive email documentation that the payment arrangement has been made and I can even see online that it is in progress or pending, yet these idiots keep calling me repeatedly -- even when I tell them that a payment has already been set up or arranged online. Then the representative responds -- '' let me check the system to see. '' Duh??? Well, they should be checking BEFORE they dial my number!!!! This is happening EVERY DAY and EVERY SINGLE MONTH and I want it to STOP! The PAYMENT HAS NEVER BEEN 30 DAYS LATE, so technically, TFS is not even in a position to report it to a credit bureau as such, so I do n't know why they can not update their payment and calling systems and stop calling customers to death -- particularly after a payment or payment arrangements have been made!
Bought a car in XX/XX/XXXX, totaled it drying ice storm ... On XX/XX/XXXX, my insurance company paid the balance and the account was satisfied. 

XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost XXXX years ... Multiple times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect one on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX
I have a parment arangment for my student loans that were owed to the educational facility that I attened. I have authorized and setup a automatic set payment monthly on what I could afford with in my budget, the company key XXXX recovery is the company the arangment was set with. They Continue to call and harass me about this arrangements, stating that at first it was okay but they need more now. They inappropriately tell me to seek childsupport because I 'm a single parent or to borrow the money for me to make higher payments each month. Threatening wage garnishments if I ca n't make a large percentage payment. In the matter of XXXX day between XXXXXXXXthey called me XXXX times leaving XXXX voicemails.
I 've disputed this account with all XXXX credit bureaus multiple times to no avail. Every time it comes back verified as being accurate when its inaccurate. Wells Fargo Dealer Services has re-aged this debt and listed the close date as being XX/XX/XXXX when it really should be XX/XX/XXXX. This is a blatant violation of the FDCPA and FCRA. Because of this I 'm not able to purchase a home because it appears that I recently defaulted on a loan that is really almost three years old.
Lender intimidating me to sign new loan documents after I closed on the house. These new documents increase my monthly payments and mortgage insurance. I was told it is to cover the cost movement mortgage lost in providing my loan to me.
Applied for XXXX XXXX card on XX/XX/XXXX ( XXXX Bank Visa ). Purchased {$160.00} at that time. ( See attached document ) Received card at home address about 2 weeks later. 
Called on same day for billing information and paid same amount ( {$160.00} ) by check on XX/XX/XXXX. Never received bill in mail. 
On XX/XX/XXXX I ordered item on-line from XXXX XXXX. Amount of item was about {$100.00} Forgot about this item among XXXX shopping spree. 
Unknown to me, XXXX XXXX bills were being sent to wrong P O box. Never had XXXX XXXX   XXXX. 
XXXX Bank never notified me of returning bills even though they had my telephone number, home and E-mail address. 
Account grew to {$290.00} in 6 months due to fees and interest. 
Account was sold to Citi Bank in late XXXX of XXXX. 
Citi Bank called me by phone upon receiving account and account was settled onXX/XX/XXXX. 
I declined offer of XXXX XXXX Mastercard from Citi Bank. ( See attached document )
Citibank would not accept a cash deposit of {$1000.00} on XXXX XXXX, 2017 to my sisters account in spite of my having her deposit slip with her account. She has been hospitalized the last 4 months. I was advised they do not accept cash deposit if depositor does not have an account with the bank. I was told to get a money order to accomplish the deposit.
At approximately XXXX today, my XXXX XXXX XXXX daughter received a call on her cell phone from Chase Card Services, asking for me. I have never authorized Chase to call that number to contact me. I do n't know where Chase obtained this number, but my daughter was very upset and I feel that my rights were violated.
For the past 3 years I have been trying to apply for a loan modification. The company refuses to give updates when you call. They make you schedule appointments ( run arounds evasive ). The website clearly shows the documents are uploaded and the a gens confirm receipt of the documents but then they say I am still missing information. In the past 3 years that is the only answer from them is something is missing and I need to send pay stubs again. every month that goes by I send more pay stubs and then they say a letter is being sent in the mail but all it is, is the modification application again.
I was asked to pay {$500.00} to settle this account. This happened in 2016. They are not getting anymore money from me.
This Collection Agency has listed a collection on my credit report. Firstly, they have not validated that this debt belongs to me. Secondly, they are not licensed in my state to even collect debts which is a violation of the federal law. Please remove all collections from my reports as soon as possible otherwise I will have my lawyers look into a lawsuit.
bad Credit report is preventing me from buying a home. 
Caliber is showing a missing XX/XX/2018 payment. I paid it on XX/XX/2018. 
Caliber reported it as a second payment on XXXX. 
The XXXX payment was made on XX/XX/2018.
I have been harassed by XXXX XXXX XXXX while at my job. They have called my place of work serval times although I have given them my cell number and requested that since it is a personal matter to contact me personally. They have called spoken with my manager asking them personal questions regarding me being able to make payments. I feel this is out of line and borders on unethical. Besides calling my workplace they called distant relative whom I really keep contact with. When asked how did they come about this information and phone numbers their response always is " We have our ways '' like some type criminal syndicate.
I was forced under personal cirumstances to file chapter XXXX bankrupcy in XX/XX/XXXX. I continuedto live at my house awaiting a foreclosure notice, which has as of this day has not happened. 
I vacated the house in XX/XX/XXXX. I continue to receive complaints from the county about propertymaintenance. I have contacted the loan co., but all they want to talk about is me making an offeron the amount of loan. There were some irs liens on the property. I just wish to get the property out of my name.
This is additional information, copies of invoice which were wrong doing within, referred to case number XXXX XXXX, I submitted to CFPB on XXXX XXXX, XXXX
Our current services is Green Tree, LLC. Although they have not established who has given them this right of service, we have requested documentation on several occasions but have received no relief. Green Tree to date has not produced original documentation as to the owner of our mortgage, no one seems to have the original note as determined by federal law and many states. Green Tree is now going to sell our home, but still has not proven ownership by any entity or organization. Without proof of ownership with original documentation we dispute Green Trees right to sell our home or service any mortgage. We have sent them QWR under RESPA but they responded by saying that the information is propriatary to their company and will not divulge this information. We still have not seen the original note, not a copy, as required to prove that they have permission form any owner or other organization. We do not feel that they have any right to any collection or sale of our home and under the RESPA and the recent FTC settlement, Green Tree is violating our rights. We have filed a complaint before to no avail, you just send it to them and they do the same thing time and again. Please take this under consideration. Thank you.