WillisBack/dataset-financial-user-claim huggingface dataset:
I completed a Loan Rehabilitation program with Nelnet and the US Dept of Education to successfully bring my student loans out of a default status and into a current status. As part of completing the program, I was advised that any derogatory information tied to the old accounts would be removed from my credit report and replaced with a new account that does not have any negative remarks from the past. I sent a special written request directly to Nelnet. In whole, it stated : I'd like to bring to your attention an error with your reporting of a rehabilitated student loan. I have previously disputed this reporting with all three major credit reporting bureaus on several occasions. Specifically, I am expecting the deletion of derogatory credit reporting on any of the Nelnet/Department of Education loan - as specified in the terms of the Higher Education Act and the Department of Education. Specifically, it says : To rehabilitate a defaulted Direct Loan or FFEL Program Loan, you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments ( as determined by your loan holder ) within 20 days of the due date and make all nine payments during a period of 10 consecutive months. Benefit : When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. Youll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and youll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. Therefore, I respectfully request you address my concerns here. I have enclosed copies of my credit reports highlighting the incorrect loans that keep getting verified as correct after a credit bureau investigation. For your records, this loan rehabilitation was completed by me, therefore I suspect ample time has gone by for you to correct your records. Kindly respond promptly. I have yet to receive a response from them after nearly 60 days and continue to have negative information on my credit report adversely affect me.
I called AD ADSTRA RECOVERY SERVICE to negotiate a pay for delete for my balance that was owed to them. The associate on the phone agreed verbally to send me a letter of proof for the pay for delete. This phone call was recorded. all of my phone calls to this collection agency was reported. I called multiple times. They confirmed they would do this. When I got the letter it was NOT a pay for delete letter releasing me from the debt owed. It was a letter showing my account balance was at {$0.00}. So I then disputed this with the credit bureau. Not only did they offer a pay for delete letter in return for me to pay the account balance owed. They told me they would delete the owed balance off of my credit report with in 30 days. I called them today XXXX XXXX. More than 30 days later and a supervisor informed me that there is no such thing as a pay for delete letter with in their company. And told me that I had to DELETE MY DISPUTE with the credit bureaus in order for them to work with me. And from the day that I delete my dispute. They will then take an additional 30 days in order for them to recognize this account paid in full and delete this off of my credit report. This sounds very odd and unprofessional. And at no time did any one mention that I was not allowed to dispute things on my credit report. Usually when an account is paid in full and the company agrees to send a letter for pay for delete. They fulfill that obligation. And if it so happens that the account is disputed. The process is simple. They answer to the dispute. The supervisor told me on the phone that once I cancel my dispute that they will THEN follow through and update my account with the credit bureaus after 30 days. 

I have attached the letter that the company fraudulently sent me instead of the pay for delete letter as agreed upon in return for paying the balance owed in full. I also dont believe its appropriate to punish some one for disputing something on their credit report and making them cancel their dispute in order to recognize the debt paid in full and delete the account on a credit report. This deeply affects and individuals credit and quality of life.
please see upload, chase is reporting debt to be over by {$850.00} to XXXX XXXX and XXXX on 2 of its credit cards.
I have an abusive, alcoholic husband. I met a man named XXXX XXXX on XXXX who began talking to me and promising to get me out of the situation. He requested money from me on numerous occasions to help with his project in XXXX, being an XXXX, and once requesting money to help with one of his sons that was in the hospital. I got away from my abusive husband with a promise from " XXXX '' that he would meet me at the XXXX, XXXX airport on Tuesday, XXXX XXXX around XXXX ; however, he then started messaging me to let me know he was told that he had exceeded his maximum withdrawals on his account and could not get money to purchase plane tickets for him and his XXXX sons. He said he was supposed to meet a man on XXXX that would loan him {$3700.00} to be able to purchase the tickets ; however, then he has begun asking me to send more money to him. He knows I will be getting a 401K withdrawal of {$4000.00} on XXXX and has requested I send him the {$3700.00} and when he arrives in the US he will give me that money back, plus the money I already sent him. I sent him a total of {$9100.00} since early XXXX, not realizing I had sent him that much money. He promised to get me away from my abusive situation, take me on a shopping spree, has purchased a car for me, and will take me to live with him in his mansion in XXXX. Having lived an abused life, all of this sounded amazing to me. I suggested to him that I would send him prepaid plane tickets because a friend said she would loan me the money, but he said he did n't want my friend 's money. He wanted mine. He claims he is anxious to get back to the US and be with me, but he did not take the offer of prepaid plane tickets. He wants the cash. The money grams I sent were not sent to a XXXX XXXX, but rather XXXX of them to a XXXX and the last to a XXXX. My friend found this character on a website : XXXX. He is continuing to message me and became upset with me when I told him my friend found out I had wired money to him. He said he thought the money was our secret.
We refinanced in XX/XX/XXXX and Plaza was the new bank. The first payment, due XX/XX/XXXX,
was in the amount of {$5000.00}. This amount- including taxes and insurance and based on an interest rate influenced our decision to refinance with Plaza. My XX/XX/XXXX statement, which is attached, notes the same amount. However, when I went online to make the XX/XX/XXXX payment, the amount due was shown as {$100.00} more. When I called Plaza, I was told that it was because of a shortage in the escrow account. They claimed to not know when the taxes were due and how much.
This is not acceptable to me and reeks of predatory lending practice by enticing a customer into a loan and then changing the terms ( bait and switch ) and it is illegal. A mere five months ago, Plaza obtained a title report showing the taxes on my house- school and town. The tax page of that report is attached as well and shows the town tax of {$6800.00} paid for XX/XX/XXXX ( the school tax is divided into two payments of {$6300.00} each, due in XXXX and XXXX ). In XX/XX/XXXX, I had received the attached notice from my town stating that Plaza had not paid my taxes. I had to call twice because the first rep blamed it on the title company. At closing, the title company had collected ( and paid ) my school tax due in XX/XX/XXXX. Because the three tax payment amount are similar, your rep was easily confused. Taxes in New York are higher than other parts of the country. I hope Plaza paid the interest that my town imposed, as I should not be responsible. If a lender insists on paying taxes and insurance and escrowing for same, they should have the decency to note the due dates and avoid penalties. Still- Plaza knew this amount was due and calculated its payment and escrow from the title report. The tax amount has not increased! It had actually decreased by approximately {$6.00} even with the penalty- to {$6800.00} from the title report amount. Therefore, I am puzzled as to why Plaza would feel it appropriate to increase my payment amount. I have sent them a letter and called to follow up ( 20 minutes on the phone ) to no avail.
XX/XX/XXXX 2017 open account for XXXX to this date already pay XXXX and still have 6 payments to make which will make the total over 1000.00. can not afford to keep paying on this account and the interest is killer. need to have account closed and taking care of. feel it is pay in full. no more monies coming out. this is loan shark company and when you need help or in desperate need they are there to help but in the long run interest alone will get you on trying to pay back.
There are inquiries on my report that I do n't recognize and I ask the agent to remove the unknown inquires
I am a XXXX XXXX XXXX veteran living on a fixed income. In XXXX of this year I was notified that I am very sick, the process of finding out was was actually going on has become overwhelming, thus I consulted a Chapter XXXX Bankruptcy Attorney thinking that the only choice I had was to file a Chapter XXXX. During my consult the attorney asked me if this was really what I wanted to do and I said of course not but what other choices do I have. The attorney gave me another option DMP this would reduce the interest and also the monthly payments due. I wanted to pay everyone who I owed so I did the DMP plan it was only long enough for the to contact all 20 of my creditors and notify them of both my hardship and get a reduced rate of interest and a lower payment the DMP was paid to negotiate and actually made payments for 1 month. The DMP plan ended and all 20 accounts were in agreement that they would still honor my lower interest rate and monthly payments so long as they continued to received the agreed upon payment. Again they would prefer to get their money rather than get nothing at all and my medical hardship still existed, the credit cards were all cancelled under this agreement and I am OK with that. All of the 20 kept their promise to honor my hardship except for one that was Barclaycard who I have more than once submitted complaints to you on, seems they feel that they are separated from the other 19 accounts I have. Long story short as attached history sheets will show they agreed to the reduced interest and payment on X/XX/17 and they then jumped on an opportunity to switch it back from the agreed upon interest rate of 5.90 % and XXXX payment back to the old rate of 23.99 % and they increased the payment to XXXX this is just not right in any way My medical condition has not changed nor have the incoming bills and being on a fixed income I have no room after making agreements with my other 19 accounts to differ in any way. Should Barclaycard not have to honor their agreement for the reduced interest rate and payment. I have done as I promised and paid as agreed and they did cancel the card that 's fine I do n't want it anyway but I do want what they promised me otherwise no matter what the outcome I did not file a Chapter XXXX it apparently is about the money which I have no problem applying what would have been their payment to other accounts.
I have tried multiple times to get help from XXXX XXXX, ( Servicer ) to afford to keep my home. They purposefully not returned my calls and the always find and excuse not review the multiple packages that have been sent. They ignore my calls and when they do pick up, they always tell me that only the person assigned to the file can give me updates. That assigned person is never available. They have had 2 or three complete loan modification packages, over the last 2 months, sent to them but no official review from this servicer. They are not helpful and I believe are more geared towards collection then home retention assistance. It appears that the do not really care about helping their customers find a solution. I asked many times to speak to a supervisor and they just patch me through another representative who has the same attitude and responses. It 's like a vicious cycle of not getting anywhere. It feels like it 's being done on purpose.
I was a victim of identity theft and noticed a collection from PROFESSIONAL DEBT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PROFESSIONAL DEBT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I want to express my frustration working with Citi Mortgage as so its called, in working on a Loan Modification on my subject property located in XXXX, New York. I'm very certain that Citi Mortgage are receiving many lawsuits due to mismanagement of files, and also misdirecting clients and forcing some clients to loose their house to foreclosure due to not understanding the the situation of the client. My complaint has been going on with Citi Mortgage for a while. It started over 7 years ago with the simple request of a Loan Modification due to I was facing a Hardship and could no longer afford to pay the mortgage of my house. All the time through the process, they kept requesting the same documentation over and over again with no results. They claim most of the time that documents were not received or mishandled. All the time we tried contacting the bank for an update of our process, there was a different representative, not only did they not know what was going on with the case and file, but they could not even find any updates nor any documentation regarding my file. Most of the time they kept telling me that there were no current updates and that the account specialist will follow up with me regarding the file, which they never did.It is not my fault that i felt behind on my mortgage and have caused this large debt to be accrued. I have done everything in my part as they have requested, until this date no resolutions has been reached. I finally was able to execute a complete package, and have the correct income to qualify for not only my mortgage, but for the Loan Modification as well.I was able to rent part of my property and collect a rental income of {$1500.00} on a monthly basis. My brother is able to give me a contribution to assist me with the daily expenses we have in the property and for the family as he is also owner of the property.All I'm looking or is for HELP. Now, Citi Mortgage has placed a sales date on my property for XX/XX/2018. I dont understand why they would have placed a Sales date, when I have been complying with the Loan Modification and request of documentation to save my house. You have all required documentation with updated information for a review, and you do not want to open a template for a review of a loan modification for a possible solutions, all you want is to sell my house on a foreclosure auction unless we can reinstate. If I was able to reinstate the loan, I would not be asking you for help when I really need it. I believe you have executed : dual tracking '' on my case. If I was in the process of a Loan Modification, foreclosure should have been placed on hold until the review is completed. You are against the Law at the moment for not opening my case for a Loan Modification, and forcing me to foreclosure. I believe its just not fair that you can't give me the opportunity to have the file be review for a Loan Modification, to give me the opportunity that I can show you I can afford my house, and have a win win situation not only for myself as your client, but for the investor of this loan.
approx 6 mos. ago my mother had a XXXX XXXX. The ensuing months were difficult as she had a business and many financial obligations that I was unfamiliar with, but we 've gotten through it. About 4 mos ago, her business acct at XXXX bank cashed a {$2000.00} forged check resulting in delayed payroll. We decided to wire XXXX $ into her XXXX acct from her Capital one 360 savings acct. to cover payroll. Capital one called the next day inquiring into the transfer and my mother told them she did n't know about it and handed the phone over to me and I explained the situation indicating that I was helping my mom who at the time had been aware of the transfer but was having XXXX XXXX. Checking on her acct the next day I found that her accounts had been frozen with a number to call. She had been calling that number for about 2 1/2 months, having to wait upwards to an hour and XXXX before being disconnected. A week ago she finally got through to security who informed her that she would need to obtain a POA for me, her son, before they would release any of her funds, even though she is almost fully recovered from her XXXX and has resumed the running of her financial business, although I am still here assisting her, she is able to make her own decisions. There is no Capital one 360 banks in California, ( formerly ING ), so determining that a POA is the only way to obtain these funds we have gone ahead and gotten XXXX but are having difficulty getting it to them as this needs to be expedited due to the fact that there is an XXXX $ check delayed and payroll is due soon so normal mail would take to long. Am going to pursue this but this situation has caused my mother much aggravation and hardship.
Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX NY XXXX has reentered a collection account on my credit report that was removed by them in XXXX XXXX. This is the same account from XXXX XXXX XXXX from XXXX XXXX for the amount of {$600.00}. This account was paid to XXXX XXXX XXXX on XXXX XXXX, XXXX. I have previously reported this account to the CFPB in XXXX XXXX and received confirmation that the account would be removed from my credit file from XXXX XXXX, XXXX XXXX XXXX, Phone : XXXX. The account was removed by has since been reentered on my credit file on XXXX XXXX, XXXX. After being denied credit recently I checked my report to find that this account has been entered once again on my credit report.
We got a small XXXX dollar loan in XX/XX/2016 to pay off my wife schooling have made regular {$270.00} bi weekly for 2 yrs and have only paid off {$800.00} of the principle. Why is it legal for a paday lender to charge 299 % interest on a loan? Isn't the government suppose to protect the people from usury rates? It's really frustrating to try and better your life by getting an education but then be a slave to a debtor for years when you have paid back the loan amount almost 3 times the amount borrowed.
I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I have some credit inquiries that are related to none of the aforementioned permissible
I took out an installment loan with a company called Big Picture Loans ( XXXX ). The loan was for {$800.00}. The company required automatic payments in the amount of {$280.00}. After making XXXX such payments with no issues, I received an email from them saying that they would take out an additional withdrawal in that amount ( I had already paid them {$1100.00} ). When I called to ask how much I had remaining to pay, they told me I still had to pay {$1000.00}. When I pressed them for details, they told me that the {$280.00} that I paid each month was for finance charges only, and that I had been required to make additional payments over that amount to reduce the principal balance ( that in order to reduce the principal by {$200.00}, I would have to pay {$480.00} ). The loan agreement did not state this extremely high interest rate, and was not informed of this until after the fact. In addition, I told them that they were no longer authorized to automatically debit my account, and they told me that they would be unable to stop the payment, which was " pending '' for the next day. This forced me to have my bank stop the payment after the fact.
I have contacted XXXX many times to dispute this Macy 's account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.
On numerous occasions, I have received repeated, nearly back to back phone calls from this number. When I answer, no one is there, I hang up, the number calls again, and again.
Have been trying to get numerous errors of my consumer credit reporting file without success ; have written letters, phone calls etc issues still have n't been remain the account I have an issue with that are reporting on all 3 of my consumer files are Chapter XXXX  Bankruptcy per new law that is reporting inaccurately and needs to be removed : XXXX XXXX XXXXXX/XX/XXXXChanges.XXXXpdf Accounts that are reported included in a bankruptcy I did not file and does not belong to me are XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX and XXXX XXXX these account are not mine, are reporting invalid I have not signed a contract with these companies no monies are owed and I would like these accounts, all inquires not attached to an account, and bankruptcy removed from all three of my credit reporting files immediately.
I had used Chase credit cards since I was XXXX years old, always paying them in full. I had identity theft in XXXX XXXX, 2014 and from then on, I was issued the XXXX cards that I use more frequently with chips in them. XXXX was a Chase Freedom and the other was a Chase XXXX XXXX. Shortly after I would receive the card, there would be a charge in XXXX XXXX, California for a nominal amount and an alert sent to me to contact them if this was not my charge, so I would. But, I had all kinds of surrounding situational stress re : my ability to check cards online and other issues related to both the identity theft ( which happened through an exposed apple id keychain which had bank account passwords ... .there were subsequently transfers from my accounts of {$66000.00} XXXX. So, there were two times in which I thought I had lost the card and it was replaced, but XXXX did n't have a chip and the next XXXX did. And, they would consistently have these charges for several dollars XXXX. 

I wo n't get into the reasons as they are related, but I had to go XXXX to be able to do any work online ( leave my home workspace and this ISP ) and my mailbox with the card I had requested a month ago and never received was then vandalized. When I returned and this card finally showed up XXXX I 'm presuming due to mail cover XXXX it had the same XXXX XXXX charges and it did have the chip. I finally just terminated the card, but I now can not get any credit card from Chase. And, I have had the Chase XXXX XXXX card and paid in good standing now for 18 months yet they do n't report this XXXX as an open line of credit in good standing. Because of all of this and being advised to close open credit cards after the identity theft, my XXXX has gone from XXXX to now below XXXX and I can not get a credit card for Chase or practically anyone.