WillisBack/dataset-financial-user-claim huggingface dataset:
I own and am responsible for a substantial amount of student loan debt. The burden of my debt is held by XXXX XXXX. I am a full-time XXXX XXXX  at a XXXX, XXXX XXXX  in XXXX Montana. I am attempting to participate in the Public Service Loan Forgiveness Program. Although I have been told countless times via phone conversations and through written correspondence that my loans are now consolidated and held by XXXX ( the last of which I know to be true as I make monthly payments to them ), I have been waiting for more than a year to hear back on which of my payments count towards the necessary 120 that need to make in order to receive forgiveness. I have had multiple attempts to contact XXXX and PSLF representatives and have received nothing other than, " what you are doing is right, your paperwork looks good, we do not need further information from you at this time. '' When I query them as to why I have had to wait so long to see how many qualifying payments I have made thus far, I am told, " It just takes time. '' When I state that some of the first paperwork I received from XXXX after they pulled all my loans over and made themselves my servicer was that it would take up to 3 MONTHS to get notice of what payments qualify for PSLF, they sit in silence on the other end of the line and offer no further guidance. Immediately after becoming my servicer, they put my loans into a forbearance state with no explanation. I received correspondence via mail thanking me for MY choice ( which was never mine ), saying that I had authorized this. They do not have my signature on anything stating this was okay. 
I am hindered in my life choices by my student loan debt. I take responsibility for my XXXX,  XXXX XXXX   childhood. I have worked unbelievably hard to pull myself away from all of that. My present and future life choices were meant to be relieved of the burden of this debt for the dedication I have given to raise myself from poverty and for the determination I have to continue to keep away from it. Now, this program has become a punishment and I am made to pay all over again for the mistakes of my family, of myself. I should not have to settle for average, for " barely scraping by '' when, given an opportunity, I could be extraordinary. I want to fly, I want a life unencumbered by the student loans that suffocate me, I want the American dream. This program was supposed to be the springboard to those next steps. Without it, how can I help Make America Great Again?
On XX/XX/XXXX, I went to the office of XXXX XXXX, questioning why I was not getting a co-pay bill, as well as a statement from my insurance company, from a visit in late XXXX. Come to find out, an office clerk had entered the wrong address, on the evening of my visit. The current clerk supposedly made the correction, and the co-pay of {$26.00} was paid in full using my XXXX. The clerk did not give me a receipt when I asked for one, yet gave me assurances that the bill was paid long before going to collection. 

On XX/XX/XXXX, Central States Recovery of XXXX, KS reported a level 1 debt collection activity to my credit reports causing a severe drop in my FICO score, on behalf of their client, XXXX XXXX of XXXX, KS. I was alerted to this warning in the am of XX/XX/XXXX, by my current credit monitoring service, while at my bank discussing a new truck loan. As a result, I could not proceed with the loan process, due to the severity of the negative credit impact. In other words, I'm stuck. 

After multiple calls to XXXX XXXX on XX/XX/XXXX, I was led to a contact at XXXX of XXXX, where I left a message, which was later returned. In her return call, she in fact agreed with me, that poor data entry and poor follow-up, ie., incompetency, caused all this mess. They have issued a letter to the appropriate credit reporting agency instructing them to remove it immediately, but that it could take up to a week to clear completely. So, as a result, I can't get a new truck, nor a new place to live, which are both " critical '' at this time. I have already stated to both parties, that if there is any trace of this on my reports, and/or, my monthly average FICO score suffers a negative hit, I will sue. They understood, because they realize they screwed up, and I've suffered for it, with no warning to boot. I got no calls from anyone, nor any mail all these months, so I had no idea until this morning, because CSR had the wrong address too. 

Thank you.
On  XXXX   XXXX , I provided a state tax lien release letter to all  XXXX  credit bure aus (  XXXX ,  XXXX  and Experian ) that showed that the amount of {$2400.00} had been paid in full and myself and my husband both were cleared of this debt.. I ha ve sent  two certified letters to each bureau requesting that the information be deleted from my credit r eport. Only  XXXX  bureau-  XXXX   has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on me.
Equifax exposed my data without my consent and without informing me for more than 30+ days. The company has offered limited 1-year credit monitoring through their own services, which were already owned. This is the worst possible mitigation. They have exposed me to fraud, identity theft and problems for the rest of my life.
Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.
XXXX XXXX is still on my credit report and they have sent me a letter months ago saying they were going to remove it. I am in the process of retaining my lawyer to take Experian to court but I do not want to drag XXXX XXXX into this since their investigation did find the account fraudulent. Contact them and they will tell you.
I sent a certified 609 letter to Transunion on XX/XX/XXXX asking them to send me copies they have on file verify for XXXX XXXX XXXX in {$12000.00} and XXXX XXXX {$0.00} balance which was charged off. Also XXXX XXXX that closed in XXXX. All three accounts came back as verified perTransunion however they did not send me any information I requested within the time frame. I spoke with a representative last week on XX/XX/XXXX and stated the handwritten letter was received.
We had a first mortgage, second mortgage ( home equity loan ), and third mortgage ( home equity line of credit, {$10000.00} ) all with Bank of America on our home in XX/XX/XXXX. The bank foreclosed on the property in XX/XX/XXXX. As a result, the first and second mortgages were canceled. The second mortgage was completely forgiven in XX/XX/XXXX as part of the bank 's settlement with the Department of Justice. But the bank did n't do anything about the third mortgage. 

During the foreclosure process, the bank told us to keep paying the third mortgage until the process is completed. We have been making the monthly payments on-time every month in spite of the fact that the property has been foreclosed and subsequently sold by the bank. 

Now the bank tells us that our monthly payment amount will triple. We have tried to call the bank and show them that this loan was supposed to be included in the original foreclosure. They now tell us that the home equity loan department and mortgage department do n't use the same system, therefore the information about the foreclosure was n't shared between them at the appropriate time. 

We want this home equity line of credit to be included in the original foreclosure and to stop being charged.
I have already submitted a complaint # XXXX. I was supposed to have a remedy within a 60 day period. Needless to say, the 60 days have passed and no response. The merry-go- round begins again. Please see what can be done and keep me informed, PLEASE!!! Thank you XXXX XXXX.
I paid my XXXX card in full and I was hit with a 30 day late payment in XXXX 2016 for being {$6.00} past due. There is no way this accurate. This must be an error with the interest that was carried over so please fix this ASAP.
Midwest recovery systems has filed a false claim on my credit report. I never recieved any notification about a debt or communication. It is reported on my credit report as of XXXX XXXX 2016 for a XXXX XXXX XXXX. XXXX XXXX XXXX I have researched is a " pay day '' loan company. I have not taaken out a pay day loan and do not owe this debt. I have been monitoring my credit for the last 3 years and this just appears without any notice. I have written them and demanded they remove this negative item immediately. I also imformed them that " Payday '' loans are illegal and unenforceable in NC. I have not taken out a payday loan, and do not owe this debt. I am a XXXX and will take this to litigation as a class action suit as I am sure I am not the only XXXX they victimized in this manner.
Harley-Davidson will NOT STOP running my credit. I've been there ONCE and I have several hard pulls that I DID NOT authorize. I do not answer their calls for a reason. The salesman are pushy, to the point where it's getting slightly weird.
This company called me claims to be XXXX XXXX XXXX they say I owe them XXXX. I have never had a online loan done and she had provided me with my own ssn and email and phone number
In May received a call from this collection agency. Asked for a person. Explained no one by that name here. They said that att sent them this account due to no payment under a ( this person name ). Told them that we have never had an XXXX mobile acct and that this is an error cause the acct does not belong to me. I then called XXXX fraud depart had them check under my name, address, ssn ... they said no acct exist. I had them try and find an acct with this bogus name, using my address ... still could not find an account. The fraud department told me that since they could not find any accounts, I should not be worried. I told this to the collection agency who I found out went ahead and reported this bogus account, with the bogus name, under my social security number. Not sure how the collection company got my social or my phone number but it sure did not come from att cause I never had a mobile account with them.
I am contesting a collection account that is recorded on my XXXX  and Transuion credit reports. I have, in the past, protested this account through XXXX and Transunion, with unsatisfactory results. 

The collection account is for XXXX XXXX in the amount of {$700.00}, and has been on my record for more than six years. 

The original debtor, XXXX XXXX XXXX, was at no point in time opened or used by me. Claims otherwise constitute fraud by the creditor or a third party. Therefore, this collection account should be removed from my credit report record.
Hi, my name XXXX XXXX  XXXX. Recently I applied for job and they require to check my background and then they gave me background report from credit company. they found a criminal report on my name which is ( XXXX XXXX  for XXXX XXXX ). I wasn't involved with any criminal background, but as I know I owned a grocery business it was my first experience with business.It was run including food and nutrition service which is call food stamp. that time I wasn't present in the store and my new employe was there and he doesn't speak and doesn't understand XXXX enough, may be he did mis transaction with food stamp because he didn't understand or something else. he wasn't explain me enough. that area most people have food stamp. I'm not lying I didn't do this kind of business, swear my XXXX, afterthat service was gone which I didn't know. now in XX/XX/2018 I'm trying get a job and bad report I'm disqualified. my question is how can I remove bad criminal report from my background, swear again I'm not involved with that. I want to get a job. I want to remove it from my name. I love this place, I want to live here. that's all.
I have on XXXX separate cover and phone call requested collection company to provide me with a verification of debt and was never provided.,
Experian Report # XXXX XX/XX/18 page 15 of 16 Error as duplicate address of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX as duplicate there is no need for duplicate address. this same pattern by Experian goes on and on. Please stop I have some hired to watch my report with wrong information and duplicate address.
I have had several issues with Navinet. I could not afford my payments they sent it to collections without informing me. It went on my credit and is still on my credit saying I 'm am not current and I am because if I did not set up monthly payment plan they would take me to court did not ask me to provide any financial information all they wanted was my bank account information. They get their money every month automatically while I could use that money to provide food for my kids. Customer service is a joke there they do n't listen or care to know what is going on. All they want is money every month. I have been trying for almost two years to improve my credit but ca n't because of how they have it listed on my credit. I receive a monthly statement from them and even though I pay monthly it is still has not decreased like it should. Its frustrating knowing I pay monthly and not get any where because of how they apply my payments. The very sad part was I did n't even know I had a loan until 3 years ago. I enrolled to a collage online. I never received any money. Or infrormation about it at all to help pay for my classes. The collage took it all and I had to drop out because I simply could not afford it. The collage wanted me to take a loan out and I said no. The next thing I knew I received a letter saying I owe money
After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1. XXXX ( over 7 years ) 2. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 3. XXXX ( i believe we first became late of 7 yrs ago ) 4. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 5. XXXX ( i was first late over 7 years ago ) ( very sure ) 6. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
In XXXX of 2015 my credit monitoring company notified me that my credit score dropped from XXXX to XXXX. I gained access to my report and found XXXX accounts reported by Alliance One Receivable. I contacted the company and asked what it was and they told me it was a debt to XXXX county. I asked what it was for and they could not tell me. I told them that I never received notification from them that I was in collections, or that they would be reporting to the credit bureaus. Further I was not notified of my right to dispute it. I asked the company if they could provide proof of mailing and they could not. To this day I still have not received any information from this company nor any attempts to collect the money however my credit reports remain tarnished by these accounts that I know nothing about.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX My home of 26 years was damaged XX/XX/XXXX. My insurance company, XXXX, issued a check on XX/XX/XXXX and sent it directly to Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, XXXX XXXX. RLMS claimed that they then sent the check to me to sign. I never received that check. On XX/XX/XXXX, I reported to XXXX XXXX that the bank lost the check. It was cancelled and another check was sent to me on XXXX. I received and signed the check XXXX and sent it certified on that same day. 

Before XX/XX/XXXX, Rushmore gave myself and the XXXX XXXX XXXX all of the missed documents they needed. This was completed at the beginning of XXXX. As of XXXX, I called to see if RLMS had received the check. It has been cashed, I was told by supervisor " XXXX '', that the XXXX which they previously told us had not been dated by XXXX XXXX ( which I witnessed them signing ) had been faxed, but their fax machine 's ink was so light they needed it sent again. They also told me they were emailing a form I needed to download, sign and send back to them. This form was not on the list I'd been previously told was needed before this date. They also have not sent that blank form to me as yet. I will have to call them AGAIN! 

NOW they're claiming that my mortgage payments are behind and THAT is their reasoning for holding my funds!!!! This info was revealed ( magically ) just today at XXXX, and the clerk said again that they hadn't received a form that I KNOW I'd sent them previously with other forms they weren't claiming to be missing. 

I asked the clerk for a supervisor who then said that the claimed " missing form '' was NOT missing! We then did a 3-way call to the construction company owner, who AGAIN faxed the documents that the supervisor said weren't completed and why. This is the 2nd supervisor who has said she would followup on this matter. 

This bank is holding the funds for the repairs and keeps putting blocks up as excuses not to payout the funding to me. The interest on this payment must be paid to me by law. However, I need to just get the payment from them that they are holding from me. ( Please do not publish my address on this letter. ). I want to repair the damages to my home which are worse because of the harsh weather they are enduring. 
PLEASE HELP ME WITH THIS!!!
XXXX Mn XXXX XXXX / Dob XX/XX/XXXX EQUIFAX CC Consumer Financial Protection Bureau I 'm exercising my rights to request verifiable proof of negitive events you have listed in my credit file The 15 U.S CODE & 1681g - Disclosure to consumer requires CRA to disclose the sources of information reguarding the negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the 15 U.S CODE & 1681g disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you XXXX XXXX
I was recently denied a personal loan which prompted me to obtain my free annual credit report for all 3 credit bureaus. Upon reviewing my credit reports for XXXX and Experian I discovered that there is information currently reporting that is inaccurate. XXXX and Experian both list me as an authorized user for a credit card with XXXX XXXX XXXX that I have never been in possession of ; applied for ; nor given anyone permission or the authority to utilize my name or social security number. I disputed this with XXXX  XXXX XXXX back on XX/XX/2018 by placing a call to their customer service number XXXX. During that time I spoke with a representative regarding the matter and I provided my personal information to the representative when he was requested it, but the representative was unable to retrieve any account information and advised that there was no account listed in my name and no account for a credit card. 
Since this time, this particular account was removed from my XXXX   credit report. Given that I have no accounts with this company and again I never authorized my personal information to be utilized I am requesting that the information XXXX  XXXX XXXX is reporting to XXXX  and Experian is removed immediately as this inaccuracy is altering my life in a negative way.
I had insurance at the time along with Medicaid. Medicaid paid bill in full except {$3.00} which is my portion.
Billing service for one of my doctors applied a {$20.00} credit from XXXX/XXXX/XXXX to a {$35.00} co-payment from XXXX/XXXX/XXXX leaving a balance of {$15.00}. The billing service 's inadequate records did not reveal that the good doctor refunded me the {$20.00} four years ago, therefore leaving no credit for the XXXX/XXXX/XXXX visit for which I paid the full co-pay of {$35.00}. {$35.00} minus {$20.00} leaves {$15.00}. Over a span of over two months, I repeated provided proof of the doctor 's {$20.00} refund and proof of my full co-payment of {$35.00} to both the billing service and the collection agency, First Federal Credit Control ( " FFCC '' ). FFCC tacked on the erroneous {$15.00} balance to my XXXX/XXXX/XXXX service date balance of {$210.00} for a total debt collection of {$220.00}. I paid the doctor the {$210.00} and provided proof of that payment to FFCC. In spite of my best efforts to clear my account, FFCC filed a notice of debt collection with the XXXX credit reporting agencies for the erroneous {$15.00}. After I called FFCC about the posting of debt collection with the XXXX agencies, the " mistake '' was admitted and I received a XXXX/XXXX/XXXX letter stating FFCC requested deletion of the erroneous debt from my credit. Why was it sent in the first place, after repeated attempts to clear the account? This is fraudulent. I also filed a dispute with the reporting agencies.
We took out student loans through XXXX XXXX XXXX. We were billed for all XXXX years, though my XXXX only attended for a few semesters. We have continued to pay, but the amount continues to increase and we are told different information each time we call. I do not feel this is being handled correctly and this is the same school that was closed due to fraudulent student loans. We have tried to resolve with navient, XXXX XXXX and XXXX XXXX as each of these companies have serviced the loans.
The reason for my complaint is because a several chase credit cards were opened fraudulently in my name. I was a victim of identity theft and never authorized any cards to be opened in my name with chase bank. I do not have the account numbers but i can provide my SS so the accounts may be found XXXX