WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX - Tried to apply for a loan consolidation of both federal and private student loans to hopefully lower my monthly payments between the XXXX ( currently paying {$420.00} for My Federal Loans and {$300.00} for Navient Loans ) ; was ultimately denied because debt to income, too little in the savings ( recent 1st time homeowner and I am a mother to a XXXX XXXX XXXX that I will have to start paying to put her in a preschool ) XX/XX/XXXX - called Navient to request information as to why my student loan payments continue to go up during the 2017 year. This XX/XX/XXXX payment will be the 8th time since XX/XX/XXXX that my monthly payments have increased for Navient student loans. They never send me any email correspondence or anything in writing indicating that my monthly payment is increasing. ( the only time I find out is when it is pulled out of my account ) XX/XX/XXXX/XX/XX/XXXX - applied to release my cosigner on my Navient student loans ; was denied because my " debt to income '' was too high. Also during this time period I tried to discuss with Navient to reduce the percentage of interest that keeps getting increased on my student loans and they informed me that they would need my cosigners information. My cosigner is my mother who will be XXXX XXXX XXXX in XX/XX/XXXX, she works maybe XXXX hours a week at a supermarket for {$10.00} an hour and the rest of the time she is generously helping us by watching my daughter because we can not afford to put her in a daycare program with my student loan payments/ mortgage payment/ household expenses/ credit cards/ medical expenses ( LIFE ). 

XX/XX/XXXX - spoke with them about why the interest rate increased on my student loans and Navient was very vague when discussing with me that I have a variable loan interest rate. NEVER once did they send me confirmation in the mail that changes to my account were going to happen.
I have a Chase mortgage for this property on my credit report which needs to be removed or satisfied as I am no longer liable for it. I made a settlement with Chase in XXXX 2015 in which Chase waives all claims against me and any deficiency judgment against me. I am attaching the stipulation of settlement and my attorney letter to Chase explaining the settlement as proof. I am being penalized for being a victim of financial abuse. Chase has not resolved this issue yet. Time is of the essence. I am homeless with sole custody of XXXX children and need to buy a home. I can not get a personal loan, mortgage or lease with this mortgage still on my credit report. My credit card account from XXXX was also closed. I can not support my children with this erroneous bad credit. Please help me and my children.
I wrote a validation and verification letter to XXXX XXXX  as well as to Experian, XXXX, and XXXX   about the account. The account was charged off and XXXX XXXX sold the account. I informed XXXX XXXX that they were in violation of the arbitration agreement. 

I have attempted to contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to determine the status of my account, and I am not able to receive any details except call back. I am confused as to how the credit bureaus were able to verify and validate the accounts. 

XXXX XXXX has responded that my claim was frivolous ; however, I have not been able to discuss nor recieve
Equifax Is willfully reporting inaccurate information on my credit report Acct XXXX # XXXX XXXX # XXXX I disputed XXXX accounts they were showing open and delinquent past due. After the dispute it now states zero balance and closed. I Also disputed with XXXX and they removed /Deleted off of my credit report. All XXXX Credit bureau 's need to report the same information but Equifax Has not Remove/ deleted the item.
I have asked CitiBank to leave me alone with their endless offers through the mail. It contains information about my account and my mail has been stolen before. I have asked the company 5 times now to remove me from any and all offers and I am still receiving endless offers. PLEASE MAKE IT STOP. I signed up almost a year ago for the permanent removal of all promotional offers through the XXXX XXXX XXXX site. They try to get around the opt out by using only parts of my name instead of my full name, which is a loop hole but I should n't have to submit 3 different names just so they stop.
My husband has a Bill me Later/Pay pal account. I went to make a purchase at the end of last year. When I went to pay put I put all of my husband's info like I always do, except this time I accidentally put my last XXXX digits of my social. They opened and account another account up with my husbands name and birthday and my last digits of my social. So we had a completely new account and was not aware of it for 4 months. The bill comes under my husband's name and I never open them I just pay them by phone on the due dates. I got a different letter in the mail saying that we were 3 months behind on our bill, which by the way we have never missed a payment with them in 3 years that we have been customers. I called to find out what was going on and was shocked that they had opened an account with a name their birthday and another person's last XXXX digits of the SSN. I asked them how in the world did they have the right to open the account with wrong and such little information. Now I have a huge min payment and was sent to the credit score people. My husband just told me about the fine that they were charged with. Will there be a class action law suit?
I have 12 loans with Dept of ED/ XXXX Lates are being reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for four of the loans but not the other eight. I was enrolled in school at this time and my loans should have reflected deferred for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive disputed this issue with the credit bureaus with no successful outcome.
I lost my job back on XXXX XXXX, 2015 and then on XXXX XXXX my wife and I had a baby. Knowing that we are in serious financial trouble I called one of my credit card holders, Wells Fargo, who holds my XXXX XXXX Credit Card ( Account : XXXX ) and tried to set up some type of plan to continue paying on my account, but with a lesser payment amount. I spoke to the CSR who was willing to try to help me, she kept going back and forth between her supervisor and I and eventually came back and said there is nothing she could do. I asked to speak to her supervisor and she transferred me. I then spoke with XXXX of collections and explained my financial hardship to him and he said there was nothing he could do. I just find it very upsetting that we are trying to do the right thing and make payment arrangements and they are unwilling to accept anything from us.
I had a loan that is over 11 years old that I took out with my ex-wife. In my divorce decree it was stated that she assumed any and all responsibility for the debt associated with the house since she sold the home without my consent. Also the statute of limitations on this debt is well over the 4 years per XXXX law where the loan was taken out and over the 5 years per XXXX law where I currently live. This violates the Fair credit laws on the statute of limitations and my rights for freedom from the law that is meant to protect me from such actions.
I defaulted on a Macy 's account XX/XX/XXXX. The account is now listed with Citi XXXX. I have called them at XXXX a month ago and was told that it is past statue in my state XXXX Mississippi XXXX and they would not accept my voluntary payment. I explained that it was still reporting every month negative on my credit and I was told that is XXXX different laws. ( statue and credit reporting ). I disputed the accounts with the credit bureau, but it remains on my credit. I called again yesterday, XXXX and received the same response from Citi. I spoke with the supervisor today, XX/XX/XXXX and was once again told that I can not pay this debt and that it will not be removed from my credit until the XXXX year mark. How can this report to my credit and not allow me to pay the debt to obtain a home mortgage. The balance is only {$280.00}
My issue is related to an American Express Business Credit Card. I have been enrolled in a credit monitoring service for years. I never received any notification of a credit application, or an account in my credit report, nor did I ever receive a card, bill, or notice. Out of nowhere, I get dinged by AMEX and my credit score drops 160 points for a credit card default of {$15000.00}. I call AMEX and they will not provide me with any statements, any mailing address/email address information on the account, or if any payments had ever been made and by whom they were made. They tell me that I am personally liable for this debt. They also told me that AMEX Business Credit does NOT report to any credit agency UNTIL an account is in default. In this day and age, how is this possible? There needs to be some regulation that any credit account ( personal or BUSINESS ) that requires the credit bureaus be notified of an application AND the account posted to the " guarantors '' credit report. AMEX is NEGLIGENT in this matter. They need to remove this debt from my credit report, and my credit score needs to be reset to it's prior value immediately.
EXPERIAN MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN THE : F.C.R.A. 15 USC 1681A ( g ). ( see XXXX letter )
I purchased a authentic  XXXX   XXXX  on  XXXX   XXXX  and when it arrived I asked my friend who inspects bags to see if they 're authentic or not and he said the bag I have purchased is not authentic. So then I contacted the seller to see if he had proof showing that the bag is real, he responded and said yes that he 'll send proof but he never did, so then I contacte d PayPal and opened a dispute with the seller, after that the seller responded and said that I received what I purchased so PayPal ended the case in his favor, then I appealed it and I lost again so I reappealed the case and it was ended in his favor again. Also the seller never told me that the bags zipper has thread comming out.
After over 60 day duration, today I received notice from Experian Credit bureau that they do not have validation for this account in file why are they still able to report that the information reported against me by the creditor or its agent is correct. I have had issues with identity theft over the last 10 years and I demand that Experian Credit Bureau provide me as stated by law and as recognized as my right by to request that this establishment provide me with full validation that they have in my credit file that this account is owned by me. 
Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims to have verified. Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. 
The federal Fair Credit Reporting Act ( FCRA ) states that there is a time frame for this information to be furnished to me and since Experian has accepted that the information reported is true and correct I demand to see proof of this validation with 15 days of my dispute or I shall initiate and file a claim against Experian for causing me and my family extreme hardship and seek compensation for the funds lost pertaining to any value placed on the reliance of information validated by the bureaus in my credit file.Validation for Request was made to Experian via US mail on XX/XX/2017 for validation of the following accounts and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have XXXX checking and XXXX credit card accounts with Bank America. The credit accounts had limits from {$25000.00} to {$50000.00} and all had zero balances when this all began. These cards are rarely used since most daily transactions are by debit cards. XXXX of the cards provides {$20000.00} in overdraft protection on the checking account. Approximately a month ago the XXXX XXXX charged {$100.00} for a subscription to the same account that provides the OD protection. This charge occurred without my knowledge or consent and must have been automatically made at the end of a subscription term which was originally paid with this card. The credit card payment became due XXXX XXXX with {$25.00} minimum payment required. I did n't check my balance on this account because I had n't used it so I failed to make the {$25.00} payment. BofA immediately shut down my credit card without notice nor warning for non payment. 
Of course, all this happens in the month where I had to pay property taxes on XXXX XXXX and income taxes on XXXX XXXX. I needed to pay about {$11000.00} in extra taxes so I counted on the availability of my OD protection to cover a portion of these tax checks. But, BofA also shut down my OD credit along with the card for failure to pay the {$25.00} minimum payment. So, now they are potentially returning XXXX or more of my tax payments which will certainly cost me additional money in penalties and late fees. 
I immediately contacted the bank to make arrangements to correct the situation. Here is where it gets crazy. I spoke with XXXX different customer service folks at BofA on Saturday XXXX XXXX in XXXX calls lasting a total of XXXX hour and XXXX minutes. Each person would promise some quick resolution but need to forward me on to another person in a different department. Both of my calls were terminated without warning by their system while I was holding on the line. No one ever provided any solution to my problem. On Monday XXXX XXXX, I tried again and spent XXXX more minutes in which some effort was made but nothing was accomplished toward rectifying the problem. They refused to accept my offer to use another bank 's credit card to pay for any shortages. They refused to allow the use any of my BofA cards, too. They insisted on cash at the bank. This is simply unreasonable and clearly appears to be designed to trump up penalty charges. 
The bank effectively shut down my access to money over the weekend without notice for {$25.00} that was 5 days late. That is unreasonable. Then they kept me on a circle-jerk phone conversation for almost XXXX hours without offering any solution. This was unreasonable. They refused my offer to make any kind of payment over the phone using any of the XXXX or more cards I offered. That was unreasonable. 
All of this was more unreasonable considering my financial position. I have been with this bank continuously for 46 years, I run about {$200000.00} through the account each year, I have never in my life bounced a check, I have an XXXX FICA score and a net worth of at least {$XXXX} XXXX. I am good for this little debt and the bank should XXXX well know it!
Hi, This account that has been reported numerous amount of times is basically the same bills. They are adding them to every inquiry for the same month twice and amount. How is this possible to report something over and over with same amounts and in same month. There are just a few that have a different amount but majority are the same. I want to know how this can be repeated over and over. Here is the company and the amounts that are the same but just reported on different days. How can they do this? Makes it look like I owe numerous bills and for the same amount and months! See below the same company and information. 

New collection WAKEFIELD & ASSOCIATES XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00}
My son took out a total of {$120000.00} in student loans with Discover Financial beginning in XXXX through XXXX. I was his cosigner, since this was the only way he could be approved to borrow money to further his education. Being this was my XXXX child to attend college and we were never educated on the negative impact private student loans came with, we now owe Discover {$170000.00}. The loans came into repayment in XXXX XXXX ( with over XXXX in capitalized interest added to the principal of the loan ). The monthly payments my son is required to pay are {$1600.00}. He is unable to afford these payments since he also is paying Navient student loans and federal loans ( which are both affordable ). I am also unable to afford to pay the Discover loans because within the past few years I got divorced and now my income is not sufficient enough to afford {$1600.00} per month. We have contacted Discover time and time again begging them to renegotiate the loans and make it affordable for us to make payments. We are not deadbeats and want to make payments, however they wo n't budge or offer us any reasonable alternatives. We were advised by them that until the loan defaults 6 months they wo n't help us. I do n't understand why a company wo n't help out the people that have good intentions to pay until they have ruined your credit and harassed the XXXX out of you. If my son was able to get the dream job that his college degree is in ( XXXX ) there would be no issues. But since the XXXX XXXX XXXX has changed their hiring procedures and now they hire people off the streets instead of from a prestigious school like the one my son went to, he is suffering with mounds of student loan debt and no opportunity to work in the field of his degree. Please help us - what can we do to get Discover to work with us and reduce the principal of the loan, reduce the interest rate and renegotiate the terms to extend the life of the loan so we can begin making affordable payments. I believe they overlend to students who are desperate for a good education and then they bully you with exorbitant interest amounts added on which increases the loan making it unaffordable. They want to ruin our chances of ever being able to make affordable payments because nobody will even consolidate that amount of loans. We are in a no-win situation with them. Please help us.
After becoming aware that XXXX accounts had been placed on my credit report by this agency, I contacted the agency requesting verification of this debt. The information provided by the agency did not include any information positively associating me with this debt, nor had I visited the associated facility or received any of the medical services associated with this debt. Between XXXX - XXXX, I made multiple attempts to dispute this claim, both with the agency directly as well as XXXX & XXXX. The agency deleted XXXX account but validated XXXX remaining accounts while failing to provide me with any documentation substantiating this debt. On XXXX/XXXX/XXXX, I contacted the agency again disputing the remaining XXXX accounts and asking that the debts either be validated or deleted from my account.On XXXX/XXXX/XXXX, I contacted the agency again after notating that the collections were still reporting to the credit bureaus. After being told by the initial representative that the dispute was placed with the Dispute Department on XXXX/XXXX/XXXX, this was later given denied by the dispute representative and he asked for me to give the agency more time to validate the dispute. I refused this request in accordance with my legal rights and asked that the issue be resolved by close of business today. The representative informed me that he would need at least 3 business days.This false reporting has negatively impacted my credit score adversely affecting my ability to qualify for a home and car loan during this 180+ days..
We have been applying for a HAMP loan mod from SPS representing XXXX. We submitted a full financial packet in XXXX and then more in XXXX 2015. We were approved for a HAMP Tier 1 Trial Payment Plan in XXXX 2015, but our gross income input to the NPV was significantly higher than our actual income. We appealed in writing, clearly explaining and documenting our real income. Finally, in XXXX SPS responded to our appeal stating that they had checked and they reaffirmed that they were correct in entering our gross income. They wrote that we needed to pay the inflated trial payment by the first of the previous moth, obviously impossible. 
Three days later we received another letter from SPS saying we were not eligible for HAMP due to the new NPV which showed our gross income at {$2000.00} a moth less than actual. Our new Trial Payment would be almost {$1000.00} a month more than the previous offer. Our HUD certified counselor who had been helping us asked the agent on the phone, which income was right and which was the offer being made. She ( SPS ) told us both income figures were right ( even though wildly different ), and that we no longer qualified for HAMP 1, because we had not paid the inflated Trial Payment, AND that we could no longer apply for HAMP. We would have to pay their SPS offer at over 50 % of our gross income now, increasing to 80 % of our fixed income. 
If we did not, they would foreclose. 
She said there is no appeal to errors on their part on the NPV used to determine a modified mortgage payment.
There is a collection which is unknown, outdated and no verification obtainable. Requested several times. Please help National Credit Systems # XXXX
Please review the enclosed correspondence with Capital One regarding a plane ticket I purchased for {$710.00}. I was unable to use the return portion of the ticket to return home without any explaination why. I was given no alternative except to purchase a new ticket from XXXX XXXX for {$300.00} if I wanted to return home on the same scheduled flight as specified on my original ticket that I purchased for {$710.00}. Capital One claims to have done an investigation but posted the charge back on my account. Capital One refused to provide a reason verbally or in writing as to why the charge was refilled to my account. For this reason, I feel I was defrauded because I was not able to utilize the return portion of the original ticket. Furthermore, I consented to a re-review of the case dated XXXX/XXXX/2016 ( I spoke with XXXX, a Cap One supervisor ) however as in the past, there was n't any documentation in Capital One 's records that the re-review was performed. Capital One appears to have violated regulations regarding resolving the dispute within 1 month, and refusing to comply with my request for a written reason explaining the action taken -- re-posting the charge to my account as requiured by XXXX and Federal regulations. The Cap One dispute center never sent an affidavit for me to sign regarding my dis [ pute which makes me suspect that there was never an investigation or a re-rteview as I was promised by XXXX.