WillisBack/dataset-financial-user-claim huggingface dataset:
This was for a online class at XXXX XXXX University. I was unable to complete the class and with drew from same, The teacher I emailed with said dont worry about it, he will take care of it. Years later he no longer works there and the school refuses to honor it. All attempts to clear this up with the school and debt collector failed and they didnt care, just want the money. 

Well I noticed that i appeared on my credit bureau and in XX/XX/XXXX, so i disputed it. The credit bureau XXXX XXXX  removed it on XX/XX/XXXX. Well it happen to appear again. I have had no notification from Penn Credit that they were gon na be putting it back on my bureau, whihc as you know is a violation of the FCRA. On the XXXX report it was also removed but again reappeared.
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
I am writing this on behalf of a very good friend that lost his Spouse 3 yrs ago. after she passed he could not afford the house payment that he has lived in for over 27 yrs. I helped in to work with the original lender but in the middle of the loan modification process they sold the loan to Ocwen Mortgage. We filed all teh loan modification documents with them and we had an offical Loan mod trial period as long as we made the payments for 6 months we woudl be clear for the loan mod. here we are 2 yrs later and the loan mod is still pending, Teh owner is still getting foreclosure letters but when i call and talk with the file manager they keep telling me to just keep paying the loan mode payment as they keep checking to find out why the loan modification isnt going thru. after a yr so far of doing this. ITS STILL UNRESOLVED XXXX/XXXX/2015. the stress it is creating for the owner an dmyslef for helping him stay in his home like I pormised him I will try to do a dn as far as we were told he was when I talked to Ocwen about the loan modification we are doing everythign they have asked us to do. but he is still getting certified mail saying that he needs to pay the rears or they will foreclose. All we want is it to be final at the payment they agreed to and move on with life.
On XX/XX/XXXX there was a deposit made in person to the amount of {$4600.00} to Bank of America ( XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX ). IMAGE # 1 : Copy of the list of checks and total. IMAGE # 2 : deposit slip of the amount deposited. When I checked my account online, there was an adjustment of {$1400.00} from the total amount deposited on XX/XX/XXXX and I was only credited {$3200.00} for my deposit with an error message.Due to this adjustment, I am missing {$1400.00} from my checking bank account. IMAGE # 3 : error message and the deposit adjustment.

Since this issue occurred, I have talked to three different Bank of America Financial Advisers/Managers, and later contacted the Bank of America Research Department to try to find the missing checks. The Bank of America Research Department stated they can not do a proper investigation because they do not have any images of the checks deposited on XX/XX/XXXX. My last contact was on XX/XX/XXXX with XXXX XXXX, Financial Center Operations Manager. I was only told my checks were missing and later found. As a result, they can not find images of the checks deposited because the checks were not scanned in properly. She stated that the checked should have been scanned into their system before they are reviewed for deposit. Mrs. XXXX was not able to come to a resolution and declined to take any responsibility for mishandling my checks.

I have my Business Checking account with Bank of America since XX/XX/XXXX when I opened my practice and I never had an issue regarding missing funds. I have always paid my Bank of America Credit Card balances in full and on time and have an overall pleasant experience with Bank of America. This is the first issue I have regarding missing funds. I am requesting the missing amount of {$1400.00} be deposited back into my account.
I was speaking with a representative after I discovered an error. I used the loan payoff calculator on the XXXX website to pay off the balance of three of my loans. When I checked the next morning there was still a balance. After speaking with them they admitted a mistake and were submitting a request to get the payment reapplied to remove any balance that I had. However that got me thinking, what else have they messed up? 

I called furiously requesting them to review my account in whole which they said takes a while. Only takes 1 day for them to take the money out of my account, how convenient. 

Anyways I called back and started asking about how they calculate interest and how many days are included. Using the sample of my payment on XX/XX/XXXX they said it was 29 days. My last payment had been on XX/XX/XXXX. The employee said I paid 29 days of interest for the XX/XX/XXXX payment and 32 days of interest on my XX/XX/XXXX payment. But insisted that the XXXX wasn't included twice. When you calculate the days, 29 days worth of interest payments for my XX/XX/XXXX payment would include XX/XX/XXXX. Additionally, 32 days of interest payments for my XX/XX/XXXX payment would include XX/XX/XXXX as well. I believe they are doubling up and adding additional days of interest to each payment received. 

I am going to calculate on my own, but wanted to send this to you just in case you have seen this in the past. 

Hopefully all of this made sense and it wasn't just me rambling for two paragraphs. 

Thanks for the help!
i opened a XXXX instore credit card in XXXX, XXXX. I informed them i wished to put my {$65.00} per month payment into auto debit. After filling out their paperwork and mailing them a voided check with said paperwork, i was assured via snail-mail that everything was in place ; however in the ensueing months, my account has been assessed with compounding late fees.I 've repeatedly called the customer service number to straighten it all out, only to be frustrated with their lack of competence in handling their error. My wish is to rectify their internal error by honoring my original request to have automatic payments withdrawn from my checking account subtracting the payments I 've made to date with no penalties added. My other request is to ensure my credit score has received no blemishes because of this error. BTW my bank has tried to intervene by doing a conference call and faxing proof of payments made to XXXX XXXX. they did not acknowledge the fax or any part of our attempt.
Prestige wants to collect around {$21000.00} and place me on collection and ruin my credit.
InXX/XX/XXXXXXXX 2017, I entered a written dispute with CLEAR SPRING LOAN SERVICING reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, CLEAR SPRING LOAN SERVICING was attempting to collect a debt for which antiquated my credit profile by more than XXXX years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

CLEAR SPRING LOAN SERVICING failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with CLEAR SPRING LOAN SERVICING an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. CLEAR SPRING LOAN SERVICING failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state Division of Financial Services in Florida indicates that CLEAR SPRING LOAN SERVICING is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to CLEAR SPRING LOAN SERVICING have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
XXXX XXXX XXXX. XX/XX/2016 {$2400.00} to present.. 
I was charged a 39 % interest rate when my credit score did not constitute such a high rate. The rate was raised by insurance that was packed into the loan that was unnecessary and useless. The XXXX insurance is useless because I'm already XXXX. The insurance to cover the collateral was unnecessary because I have renters insurance. I believe I was taken advantage of because of my deminished capacity to understand the paper work that I was rushed to sign. Because of my XXXX XXXX.. XXXX XXXX XXXX XXXX..XXXX. I am required to take heavy medications including XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX ). And XXXX ( XXXX ) .. These medicines make it impossible to think clearly as quickly as I was moved through the loan process.. Checks to the insurance companies had already been cut before I started filling out paperwork and were the first things for me to sign.. I was given the impression that it was Required to receive the loans since the checks had already been made out. I also believe I was charged a predatory interest rate because of my XXXX XXXX XXXX XXXX.. my credit score at the time was not bad enough to require a 39 % rate when I was later approved by another company at 29 % .. I believe XXXX XXXX intentionally violated the E.O.Debt Act of 1989.. I have since learned! from legal aid services that XXXX XXXX is on Indianas predatory lenders list.
Wells Fargo Operations Complaint Management Executive Office. 
I lost my debit card along with the bank generated PIN mailer ( I tried to change the PIN but was unsuccessful ). Couple days later I logged into my account to see that there are some unauthorized ATM withdrawals made outside the country. I have contacted Wells Fargo and file a claim. After 10 days, I contacted them to know that they are denying my claim. Not happy about having my case denied, I contacted the operations complaint management executive office. They did a review on the claim and determined that the disputed activity was authorized by me or someone I had given permission to, and therefore the claim was closed. The reasons they gave was : Conflicting information regarding the security PIN. 
I have repeated told them that the only PIN that I had was the generated PIN mailer that was lost with my card. Also, I told them that I have attempted to change the PIN but was unsuccessful. They said that I changed the PIN with the automated system which is hard to believe because no bank allow client to change their PIN over the phone. Furthermore, they have not presented any evidence that the PIN used for the withdrawals is different that the generated PIN mailer, since they said that I changed it. ( I still have a photo of the generated PIN ). 
No attempts to use the card after it was closed. 
Again, not showing evidence that the card was not used after I reported lost. When I saw the unauthorized transactions, I turned the card off before even calling the bank. So logically after turning off the card and the bank blocking the it after I called, how would the bank know that the card was not used after I turned it off and they blocked it. I need a transaction history. 
Multiple successful online banking logins during the time of the disputed activity. 
Again, this is something that the bank can retrieve and provide the audit trail of the logins during the disputed activity. During the disputed activity, the only time I logged was when I turned the card off and called the bank to block the card. 
How come a bank can be so irresponsible just because they want to make money on the back of their customers. Wells Fargo is known for unethical practices and until we stop them, they will keep ripping people off.
On XXXX XXXX 2016 with a starting balance of {$70.00} I made a cash transfer from a regions account of {$600.00}. On XXXX XXXX I made another transfer into the account of {$100.00} to bring the cash balance to {$770.00}. I then proceeded to make purchases of {$580.00} and the bank conveniently charged me {$140.00} NSF OF Fee plus {$15.00} OD protection fee leaving the account with a balance of {$33.00}. Other transactions totaling {$130.00} were processed after that and then over drew the account {$99.00}. The bank then charged more fees of {$210.00}. Had the bank not charged me {$150.00} worth of fees then the other {$130.00} transactions would have been paid without any fees. In essence the bank robbed me of {$370.00} for having money in my account. I called their customer service department and they told me they can not give me a courtesy refund when it was clearly a bank error.
I am refinancing so I have been checking and correcting my credit reports with the XXXX main agencies. I have paid both Experian and XXXX for a " XXXX Bureau Report with Score ''. 
The problem is a discrepancy between what Experian reports XXXX score as and what XXXX reports my score to be. I understand they use different scoring scales and their propriety credit models to determine their scores, but I do not understand why Experian would report XXXX score so much lower, compared to Experian and XXXX, than the score XXXX gives me for all XXXX credit rating agencies. 
XXXX XXXX, 2015 Experian reported the XXXX Bureau Scores as below : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported the There Bureau Score as XXXX Experian XXXX XXXX XXXX XXXX XXXX I do n't understand is why XXXX reports all scores to be about equal but with the Experian report , the XXXX score is about XXXX points below Experian and XXXX.
Navient XXXX continues to call even after I have informed them the individual the are calling for does NO exsist at the number they are calling. I have spoken with XXXX representatives and informed them the number they are calling is mine. I have had this number for 24 years and to PLEASE stop calling. Now I get calls2 to 3 times daily and on Saturdays and Sundays. Please help!!!
In reference to Case No.XXXX wherein SoFi Lending Corp. ( " SoFi '' ) provided an incoherent and patently false response to the initial complaint submitted on XXXX XXXX, 2016 by XXXX XXXX ( " Claimant '' ), SoFi has filed to provide a second response to Claimant 's dispute of SoFi 's initial response. Principally, SoFi clearly refers to a " XXXX XXXX '' as the " personal loan pre-applicant '' throughout SoFi 's response which clearly shows SoFi 's failure to respond to Claimant XXXX XXXX XXXX complaint and SoFi 's egregious failure to comply with fair business practices by providing honest, clear, and ethical business services to consumers. By referring to a " XXXX XXXX '' throughout SoFi 's response SoFi is conceivably reviewing some other " pre-applicant 's '' information and thus SoFI 's entire reponse is based on information not related to Claimant XXXX. Moreover, the electronic process by which Claimant submitted his information to SoFI for a loan review clearly stated that no hard credit inquiry would be pulled and the facts show otherwise with a hard inquiry made by SoFi against Claimant 's XXXX credit report on XXXX XXXX, 2016.
to whom it may concern I am receiving telephones to my place of employment for debts that are not even mine. I am requesting to press charges to full extent of the law. And demand they stop immediately the company name is credit corp. solution the rep name is XXXX XXXX the phone she gave me is XXXX ext XXXX. I will further more cc the Texas State Attorney General Office so they start investigating the company tactic and demand that this loan is removed from my credit report.
I have had issues in the past with overdrafts to my business checking accounts. My bank 's online banking does not allow transfers after XXXX to go through until the next business day ( two days later ), even if I have funds directly in the bank. I work out in the field and am unable to check my online banking until the evening. The branch president and my loan officer agreed, if I e-mail them in the evening, they will make the transfer for me and I would not get the overdraft charge. On XXXX XXXX, 2016, an e-mail was sent to my banker, requesting to transfer {$500.00} from XXXX of my business accounts to the other, to cover pending deposits, to avoid an overdraft per our discussion. I checked the account on XXXX XXXX, 2016, and an overdraft of {$38.00} went to my account with no transfer made per my e-mail request. The bank is not honoring their commitment and agreement we came to.
I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, EXPERIAN & XXXX ).

Thank you in advance for you help in this matter
Recently while evaluating a Modification proposal from Ditech a number of issues were noticed which made acceptance impossible. In order to actually finalize the modification terms ( which were subject to change ) I first had to make 3 Trial Payments of {$2100.00} .This amount is higher than my original mortgage payment and certainly would not be manageable and would likely just result in another default. ( What is wrong with this picture?? ) The whole proposal is too vague and the unpaid balance is way out of line ( {$370000.00} vs my balance of {$280000.00} when I defaulted due to unexpected loss in income. Next was an estimated market value given as {$330000.00} on XXXX XXXX, then on XXXX XXXX in another letter the market value stated was {$320000.00}. Big drop in just 14 days ( Questionable info ). Last but not least-On the statement I receive each month it shows my regular monthly payment to be {$2100.00} and now recent statements show the payment as {$2200.00}. Why the big change ( No explanation ever given!!! ). I have offered other suggestions for possible remedy, but nothing seems to be taken seriously by Ditech or XXXX XXXX. My situation deserves a creative solution and I am still waiting.
There is a judgement pending from XXXX XXXX on my credit. This is false and needs to be removPlease have lates removed from XX/XX/XXXX-XX/XX/2010 XXXX XXXX account. Account was under bankruptcy at time of reporting.ed. There was a granted judgment reported on my report that is under bankruptcy for XXXX XXXX.
Last year my XXXX  son was born and XXXX XXXX sent me a live-check in the mail [ I did not apply for a loan - somehow they knew that I desperately needed extra monies ... ] that I deposited into my bank account because of financial struggles that I was, and still am, experiencing. I thought I correctly enabled automatic payments to be issued from my bank but clearly that is not the case. Today I received notice from my employer that my wages will be garnished per a small claims judgement that was made without my knowledge or consent. To this day I have not received any notice from XXXX XXXX OR the local court of these above mentioned court proceedings. I never received any type of phone calls or letters regarding default payments, court summons, court date, etc. Given the opportunity I will gladly work with XXXX XXXX to set up for payments to be automatically drafted from my bank account and mailed to them on a monthly basis in the form of a check. I feel it is unfair to me, as a consumer, for the loan company to take this kind of action without first talking to me and making me aware that my payments have not been going through to them.
I paid all my debts XX/XX/2018 and they are still showing on my credit.
I have shown proof to EquiFax and XXXX about my XXXX XXXX account that this collections account is not my responsibility. That aside, I disputed the XXXX XXXX account 2 years ago with EquiFax and after 30 days it was never removed and it has sat in " dispute '' for 2 years even though it was suppose to be removed after 30-45 days without proof from collector. I called EquiFax and told them it needed to be removed because it had been in dispute for 2 years. The woman at EquiFax said it was n't in dispute and it was just a comment on the account. I told her this " comment '' is keeping me from getting a mortgage loan. She said she would remove it. After removing this " comment '' my credit score dropped XXXX points. This proves that this account HAS been sitting in Dispute for 2 years or more and should be removed. Once the comment was removed it went back in collections and dropped my score tremendously! EquiFax is n't following the rules of disputes and it is effecting my credit score. I have contacted EquiFax by mail and by phone and have n't gotten anywhere with them. They claim that they ca n't do anything which makes no sense. They have a dispute department and the guidelines state that when an account is disputed the collector has 30 days to respond and if they do n't then the item is removed. This account sat in Dispute for 2 YEARS!!! It was never removed and now it has dropped my score XXXX points when they removed the dispute. I also have a student loan on my EquiFax report that is not my debt. I have never had a student loan and it was disputed the same time the XXXX wireless was disputed and it has sat in dispute for 2 years or more as well and should have been removed at this point. This account was never late and was paid off. So even though it is n't a negative account, it is n't mine. It needs to be removed. This student loan is STILL sitting in dispute at this time.
There is a lien listed that DOES NOT BELONG TO ME. This is violating my rights please remove I have contacted the IRS there is NO LIENS against me why is your company doing this to hurt me?
A guy from Eloans sent me and email and said that I got approved for a {$5000.00}. I called him and talked about the loan the payments, ect. He said that they did n't need any collateral only thing I had to do was send {$140.00} to put insurance on my loan just in case something happened to me. I sent the money and he told me that someone would called me from XXXX XXXX with an activation code. So the guy called me and gave me the code but it was a lot of breakish in the phone. Then another guy called me from XXXX XXXX XXXX to get the code so he could deposit the money into my account. When I gave him the code it was wrong so he called XXXX XXXX and told them the code was invalid so the guy from XXXX said that I would have to pay {$200.00} just to get another code I told him I did n't have it. I told that sounded crazy. So the guy from XXXX said that when its a miscommunication between to parties that the customer was responsible for the {$200.00} and that XXXX XXXX had to pay me {$4000.00} that was their penalty. I knew then I had been scammed.
1. Unauthorized inquiries on my credit report on XXXX, TransUnion, and XXXX. I can only provide images of XXXX, and TransUnion inquiries. 2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. Remove any other social security numbers that is associated with my credit file other than XXXX XXXX. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information. 5. Remove any other names other than XXXX XXXX. Please update 6. Correct all of the errors