WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX signed an agreement with Navient during 2007. I signed the application using my mother 's name XXXX XXXX without her knowledge. During that time my father and only sibling were XXXX, therefore I did not want to ask my mother as she was dealing with that unfortunate situation but nevertheless I was wrong. I have forwarded a signed letter acknowledging that my mother knew nothing of this loan and I am fully liable also it matches the signature on the application in which Navient sent my mother a copy. Also if they view the signature on the domicile that my mother informed me she has forwarded several times to Navient, the signature on the application does not exactly match the one on the domicile in which she forwarded, that is because the signatures on the application are both mine not XXXX. My mother indicated Navient keeps stating that the documents were returned authorizing the agreement, but what they seem not to comprehend is the address that the documents were sent to is n't my mother 's address, it was mine. She spoke to their fraud dept she said upon discovering on her credit reports. She spoke to XXXX XXXX and then I am guessing they changed their name then Navient. 
Well this company has this XXXX loan on my mother 's ( XXXX XXXX, which I attached she mailed to me ) and myself credit reports XXXX times, the same XXXX account is showing XXXX times. They indicate the loan was issued in XXXX parts, I do not recall anything about the loan being issued in XXXX parts but it was still XXXX loan and should not be on the credit reports as if it were XXXX loans, that 's also fraudulent credit reporting. It was XXXX loan. Please look at the dates and all of the information for the XXXX accounts that they have documented on the XXXX credit reports it 's the same loan in which they have massive increases different from the loan agreement. Also, if you review the XXXX credit report attached, it is the same loan, however, they are documenting different dates and amounts. So, I was wrong but they are also committing fraud. I am again asking them to remove the XXXX accounts they have listed on my mother 's credit report and to remove the fraudulent accounts that they have on her XXXX report.
Sent in three dispute letters to all credit report agencys regarding account XXXX  XXXX ) account is not mine, please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts.
Hello! I am trying to get a release of liability on my Shared Appreciation Modification with Ocwen. Need to get my ex husband of XXXX years off the loan. I have paid the loan on time for 4 years just me. I was denied - the reason is WHY is why I am contacting you. I was denied due to a foreclosure. I have paper work from the courts of where Loan company put a foreclosure on my record in XXXX and removing it in XXXX when I signed the SAM. They said I had to wait 7 years before the release of liability. How can I have a foreclosure on the house I am living in. Also now I have researched and saw a lot of bad things about the SAM. I am trying to refinance and now I am seeing lots of issues with the agreement I signed. YIKES. Presently I am asking help on the foreclosure business .... So was there a foreclosure and can they really deny me for that reason? I show it was dismissed without prejudges.
Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an inquiry had been made on XX/XX/XXXX. I contacted XXXX and asked them to remove their credit inquiry from my credit profile. According to XXXX they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX XXXX
I disputed a claim of XXXX at Chase bank for a fraudulent transaction from XXXX and now the claim came back like i did it and now they are going to take out that from my checking account i am about to take this to small claims court
Equifax mishandled my information and put myself and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. They did not notify me directly and they have admitted that they will not notify everyone.
The problem that I have is that I am being told that both APR for purchase and cash advance on my Capital One credit card but when I make payments it seem like my cash advance balance never goes down and payments always are applied to new charges. The cash advance happen a long time ago and it seems as if I need to make a payment way large than what my credit limit is an order to pay this off. This should not be this way as I have credit credit with other banks and they do not have a payment policy like this.
My husband and I had an auto loan with Toyota Financial Services since 2010. It has since been paid in full as of this year. Our credit history with them has been nothing less of perfection up until the last few months of the loan. There were several attempts on our end to make payments electronically as we had been for years. We received letters from Toyota Financial ( 3 of them ) apologizing for not being able to process our payments, even though funds were available. Due to this technical issue, our account became delinquent and recorded at 90 days late. Toyota Financial was able to remove one, but pointed us to the direction of their credit repair department ( whom you can not speak with and can only submit letters to ) Out of desperation, we wrote to them and apologized for the issue, though not being our fault at all, and requested they remove the negative information as my husband is unable to obtain a qualifying job position due to his credit report ( only negative info is from Toyota ) We have been dealing with this for over 3 months now with no resolve. Now, my family is dealing with the financial burdens of my husband being unable to secure a job due to this issue. We have a XXXX month old daughter XXXX.
Portfolio Recovery Associates has repeatedly contacted me after my attorney has previously contacted all companies and Portfolio Recovery Associates with whom I had outstanding debts when I became XXXX in XX/XX/2013.
I applied for Public Service Student Loan Forgiveness as I am a social worker for a non profit company ( in rural XXXX so I am nothing short of impoverished ). I received a letter back that stated " Our records indicate that the loans identified below are expected to be paid in full prior to your estimated eligibility date for forgiveness and therefore the expected loan balance eligible for forgiveness will be {$0.00}. '' I currently owe over {$12000.00} and have been making nothing but interest payments for the past few years which is not helping lower my balance whatsoever. I am currently on an income based repayment plan. I make my payments on time every time. I just applied and received this letter in XXXX of 2017. Just curious how they can already assume it will be paid off by the time my eligibility for forgiveness comes along. I feel discouraged and ca n't see the benefit of remaining a social worker with barely a livable wage and loans sitting on my chest. Thanks.
In XXXX I opened up a line of credit with PNC Bank in the amount of {$50000.00}. In XXXX, PNC bank decided to force me to close out my line of credit and that I had to pay off the loan balance otherwise they would foreclose my collateral real estate holding. My credit was not very good since I just got out of a bad business where I was using the line of credit to operate a failing business. PNC bank knew I was in trouble with my business and they will no longer wanted to keep the line of credit opened. I told them that I only had another six to twelve months on a fraud legal case and that if I settle I could pay off the line of credit. I asked them to leave the line of credit as current as I was willing to pay the interests and some principle until the court case is either settle or complete. However, PNC bank insisted that I must move it to a mortgage type loan and that they would charge me pre-payment penalty if I did settle with the other party and payoff the loan before mature date XXXX/XXXX/XXXX. I told them that I did not want to open a new loan with pre-payment penalty knowing that I would have the funds to pay off the loan once I settle with the court case. However, PNC bank said that if I did not have the funds to pay off the line of credit that I would lose my Real Estate collateral and that I must apply for the new loan and pay the pre payment penalty. I had a very lengthy discussion with the loan officer at PNC bank about the new loan PNC wanted me to do. Therefore, PNC Bank had not really giving me any choice but to sign the line of credit into a loan with pre payment penalty. 
On XXXX XXXX, XXXX, I was able to pay the loan off with the settlement money. I paid {$38000.00} leaving a balance of around {$3000.00} to pay off. PNC bank was still enforcing me to pay the pre-payment penalty after I told them that I was not employed and money was tight. 
On XXXX XXXX, XXXX, I was working with XXXX XXXX an executive Client Relations Specialist to try and help me with my situation. I asked her if they could eliminate or reduce the pre-payment penalty and that I could pay off the loan completely since I currently do not have a job and money is very tight. She said there was nothing she could do to remove or reduce the pre-payment penalty. 
On XXXX XXXX, XXXX, they have send me a letter demanding that I pay them the pre-payment penalty otherwise they will either foreclose on the collateral or place a lien on the property. 
I believed that PNC bank knew my situation and basically forced me into moving the line of credit into a loan that has pre-payment penalty knowing that I would settle my court case to pay off the loan or if I did not settle, they would foreclose on the property. I believe this is unfair since they also knew that I was financially in trouble and my credit was not very good to get a standard loan to payoff my line of credit. They knew I was cornered and that I had no choice but to get into a loan where they forced me to pay the pre-payment penalty.
Account # : XXXX Loan # : XXXX This was a private loan that I received to attend to a XXXX college ( XXXX ). The school is now closed and I am requesting that Navient discharge this loan under " closed school discharge '' program.
On XX/XX/XXXX, XXXX sent me a letter re : its obligation to send me a refund check totaling {$94.00}. This refund was owed me since I was a customer enrolled in the XXXX XXXX program offered by Citi between XX/XX/XXXX and XX/XX/XXXX. 
When I called at least two of the telephone numbers given to me by XXXX, after I never received this refund, I got a complete runaround for weeks. This refund is owed to me as a result of an agreement between Citibank N.A. and " certain of its subsidiaries, '' and the Consumer Financial Protection Bureau. 

XXXX staff by telephone have acknowledged several times by telephone : XX/XX/XXXX by XXXX, in Citi call center in FL. that she sees the account was closed ( by me ). 
She acknowledged that of course, a check with the refund of {$94.00} was owed to me, according to the agreement with the CFPB. She said to call XXXX to request that a check for the {$94.00} refund be cut and mailed to my home address on file. 

When I called, XXXX XXXX XXXX. XXXX XXXX, at XXXX 's HQ in XXXX XXXX, requested that I fax this letter to her, with XXXX ID # XXXX. XXXX XXXX and others at XXXX HQ are refusing to send check. Please press mailing of check per CFPB 's agreement with Citi, and Citi 's acknowledgement that this check should come to me asap. Thank you.
I have made to XXXX finance this year! The only payments not attached is XX/XX/XXXX which was paid via money gram. XXXX HAS VERIFIED THAT THEY HAVE THAT PAYMENT. This company will constantly accuse you of not paying so KEEP ALL OF YOUR STATEMENTS AND RECEIPTS they gave me an extension which waived my payments for XX/XX/XXXX and XX/XX/XXXX.  but then said i never had an extension and never paid. Again i kept my proof their rep XXXX who is suppose to be a supervisor the most unprofessional supervisor i ever came across her and XXXX. told me that my payments that I'm assuming are missing went towards XX/XX/XXXX payment. XX/XX/XXXX and XX/XX/XXXX were waived. 
I'm passed frustrated at this point I'm feeling as though my money was stolen. Ive been accused of not making any payments. This vehicle has been nothing but a headache. There has been nothing but repairs needed for this vehicle. The dealer intentionally sold me a vehicle that was not state inspected that they knew needed repairs as the result there is a pending law suit. XXXX accused me of lying about that. I submitted documentation from the courts regarding the law suit. I have submitted documentation from the motor vehicle administration which outlined that she did not have any inspection documentation. I have done everything that i am suppose to do regarding this vehicle.Ive given them everything. Yet today XX/XX/XXXX XXXX told me that i still had to pay what i paid over I have risked losing my home, I have risk going into default with bills, so that this vehicle could be repaired and paid for. Yet I have received nothing but disrespect from your representatives. I am finally fed up and frustrated I have submitted a complaint and submitted all documentation to the Better Business Bureau, the federal Trade commission as well as the Consumer Financial Protection Bureau. 

It is inexcusable that anyone paying over {$450.00} a month should have to do contact repairs on their vehicle. The average consumer who is dealing with claims of missing payments and constant vehicle repairs would just absolutely stop paying. I did the opposite I continued to not only pay the car note but tried my best to complete the repairs no matter how at risk it put me. 

I will contact the attorney who is assisting myself as well as others in the lawsuit against XXXX ( the dealer in which i purchased the vehicle ) to see if she can give me information on how I can legally get out of this vehicle based off the lawsuit against XXXX and the motor vehicle administration stating that XXXX did not have proper documentation to sell the car. The only payment i owe is XX/XX/XXXX therefore that will be the only payment i will make. 

XXXX can financial has not reported the vehicle to credit bureaus. Only one shows the account. I have made a total of 12 payments on this account yet my balance only reflects 2 payments. XXXX XXXX has stated that they have notreceived payments and reported late payments to the one credit agency they report to t which has dropped my score. Im sick of it. I have my bank statement showing proof yet they keep reqesting me to pay the notes over. This is a crooked company
XXXX XXXX, XXXX XXXX XXXX left our home flooded in 6 feets of water for 6 days, whereas 2 feets to XXXX inches came into the house. It cost over 50 % to restore our home. XXXX, refinanced our home so we could pay the contractors. XXXX financing raised our intrest rate 11.9 % on the 1st mortgage and 16 % on the 2nd mortgage. They promised our intrest raters would come back down after 12 months. We never received the promisary letter nor have the intrest rate come down. we have been paying XXXX and XXXX since XXXX XXXX. Our mortgage was sold to GreenTree Mortgage Services and now XX/XX/XXXX Green Tree - Ditecgh a Water company XXXX XXXX XXXX XXXX XXXX, SD XXXX. I have tried every avenue and path to get help with this matter. Our credit at that time was good and we feel that we was taken advantage of during a time of dress. We have a bloom blance coming due XXXX. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX
I was taken to the hospital while   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX . The bills are essentially workman 's compensation injuries. The state has neglected to resolve this issue in a timely manner, and I am still in the process of having them take care of the bill. Please contact my liaison  XXXX   XXXX  at  XXXX  XXXX  XXXX  or  XXXX
Around XX/XX/18 I applied for a fha mortgage through quicken loans. After uploading paystubs and a2 's and having a phone conversation with a XXXX XXXX i was given a pre approval. I was then asked to write a letter of explanation as to what happened to the house that it's listed in my bankruptcy case. It was explained that the house was foreclosed. At no point did anyone from quicken loans ask when it was foreclosed. After I found a house, signed a contract to purchased the house, paid {$300.00} for a inspection and gave quicken loans {$500.00} to be used for appraisal was i then told two days later on XX/XX/18 that I was denied because my foreclosure was not three years old. I was told no appraisal had been ordered so i would be getting my money refunded. On that same day XX/XX/XXXX a appraisal was done on the property. At this point I am out {$800.00} for a mortgage that I never should have been pre approved for. They knew I was applying for a fha mortgage, they knew I had a foreclosure and they knew the waiting period for a fha mortgage after foreclosure is three years, yet they didn't ask when the foreclosure took place.
I purchased several feet of flooring from my local Lowe 's Store, XXXX. XXXX, TX XXXX. I needed a total of XXXX sq. feet ; my local store only had XXXX sq. ft. The remaining XXXX sq. feet was going to be sent to my store within a week. I waited the week and went back to the store only to be told that XXXX of it was sold by the other store and my local store would be ordering more flooring. The XXXX sq. feet was never picked up by me. 
I noticed right away that the flooring numbers on the box were slightly different. I went back and spoke to XXXX at the time who assured me the flooring was the same color/same dialogue. A sales associate by the name of XXXX was nearby and heard the conversation. XXXX assured me several times that it was the same shade. After a few weeks I had the floor installed, around XXXX sq. ft. The shades do not match. I currently have XXXX different shades in XXXX room.
I have 3 student loans that are closed on my report but it is reflecting late payments from XX/XX/XXXX and XXXX 2017 these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.
Hello, so I recently decided to check my credit report and it says that I have a current balance of {$920.00} as of XX/XX/2018 ; however, I always paid off my student credit card right away and I even called XXXX XXXX and they said that the balance was paid off on XX/XX/2018 so I don't understand why the balance keeps getting moved over every month. I called XXXX XXXX, who is the issuer of the credit card and they told me that on their end my balance is paid off, and it is showing that I paid it off on XX/XX/2018. This is bad for my credit because it is showing that I have a balance due that I paid off right away and it is saying that I am using 61 % utilization of my limit. However, I feel like this issue that shouldn't have happened greatly impacted my credit score and it just needs to be updated.
Hello, you all removed Source Receivables management from my XXXX  report a few weeks ago successfully. this account is still reporting on my XXXX  report. If you can get this removed. I would gladly Appreciate it. this account was deleted and later purchased by another Collection agency.
What I find disturbing is that equifax put my personal information security at risk back in XXXX XXXX when I first began challenging fraudulent accounts on my credit report ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and I wasnt notified until last month when it made the news. Since XXXX I have been challenging equifax however they continue to ignore my requests of validation however what they continue to say is we call to match up name, address, and SSN. Thats it. Merely calling to match up numbers doesnt prove that an account it valid. It is clear that equifax continues to allow their vendors to place false trade lines on poor consumers, like me, credit reports thus destroying my credit worthiness thus making it harder for me to get credit. Ive gone back and forth with equifax trying to resolve this issue however they refuse to follow the guidelines set forth via the FCRA. It now seems as if they KNOWINGLY ignore consumers rights. Equifax breech has compromised my name, address, and SSN YET this is the SAME EXACT information someone needs to place their tradeline on my credit. The same information that was leaked is the SAME information someone needs to place something on my credit which is also THE SAME information you call and verify instead actually providing documented validated proof. I dont understand how you leak my information yet continue to compromise it by allowing fraudulent unverified accounts to remain on my credit. At this point I am ready and willing to seek legal representation in order to protect myself from equifax and their practices if after 15 days these two accounts remain on my credit.
This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.