WillisBack/dataset-financial-user-claim huggingface dataset:
My total school debt is $ XXXX ; XXXX with XXXX and one or two semesters with XXXX that was not completed due to medical issues. Later found out I had have a XXXX removed from my XXXX. My loans were deferred and forbearance due to hardships. But, I kept up with my servicer until XXXX XXXX sold my loan to XXXX  XXXX. My loans were consolidated under XXXX XXXX. However, XXXX XXXX broke up my loans when it was sold to XXXX  XXXX. At this point, my loans were report as $ XXXX. This amount is incorrect. It appears it is " estimated interested '' already added to my loan. I did not learn of this until some of my loans were reported in default and XXXX XXXX came after me wages by attempting garnishment. I got my lawyer involved and then they agreed to put me in a repayment plan. However, even though I was paying them as agreed XXXX XXXX was still reporting me as default. The rest of my loans were with XXXX in good standing. After the " rehabilitation period '' was over XXXX XXXX sent me to Nelnet. They are charging {$20.00} interest day ; $ XXXX monthly or $ XXXX annually. This is just in interest. My monthly payment is {$690.00}. So that is a total of {$1200.00} per month. I was told an additional 30 % would be added for the life of my debt with Nelnet. There is no way I could ever pay this loan off. I don't make enough to keep up with this outrageous predatory lending tactic towards graduate students. These terms were not agreed upon when I took out my loan or exited my school process. I need help to protect my credit. Interest monthly should never exceed my monthly payment. Nelnet and XXXX XXXX are one in the same. I contacted XXXX XXXX  and it gives me XXXX, as well. I feel trapped and need help fast! Every day is costing me {$20.00}. I want to pay what I owe, not 3x 's plus 30 % " insurance '' for the life of my debt with Nelnet/XXXX. HELP!!!
Credit Councel Inc sent letter to collect debt that is not our. Refused to provide invoice. Ref a date we did not own this home. Verbally abusive and threatening to ruin credit if I do not pay. I even called the creditor and they have no record of any debt and also mentioned they dont use such services. They are in XXXX FL XXXX.
Transunion is reporting an invalid judgment on my credit report. They are reporting that I owe a balance of {$1700.00} on a judgment for a debt for XXXX XXXX ( XXXX XXXX XXXX XXXX is the acting attorney ). I disputed this judgment, and it came back verified ; however, I am submitting documentation showing that this debt is invalid.
To Whom It May Concern : While reviewing a copy my credit report, I discovered that some of my credit references are not included but have been reported. Please add the following accounts along with my credit history as evidenced by the attached letter from the merchant to my credit report. 
Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ] of the Fair Credit Reporting Act, there should be no charge for this report because it currently is incomplete.If you have any questions or need additional information, please contact me at the address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
My concern is that I notified Experian last year sending a certified letter stating that my personal information was stolen from XXXX and the XXXX of XXXX management. I recently noticed that Experian is listing XXXX Inquiries within the same period of time in XXXX. I sent them a letter explaining to them that I did not authorize all those inquiries and they should removed. I recently on XXXX/XXXX/XXXX pulled my Experian report and found that the XXXX Inquiries are still there and not have been removed. I also noticed that a account XXXX acct # XXXX is still being reported and should 've been deleted like the other XXXX reporting agencies XXXX XXXX and XXXX have deleted. Please assist me in correcting this error by Experian. I tried to dispute this item on line with Experian but they would not allow me to dispute, which is my right.
I deposited my pay check ( from local XXXX service ) in the amount of {$600.00} into my Well Fargo Checking Account on XXXX XXXX, 2015 ( I am Account holder for over XXXX years ). I am providing a copy of cashed check from employers XXXX Account showing check cleared his bank on XXXX XXXX. 
Wells Fargo has credited my account with {$200.00} of the {$600.00} amount but are saying that the other {$400.00} will not be available to me until XXXX XXXX, 2015. I get paid XXXX, my next deposit will be on XXXX XXXX, 2015, I can not pay my creditiors on time if Wells Fargo continues to hold my funds for such long periods of time. This should be illegal! Funds should not be held for eleven days when it is cash being transfered from XXXX local bank to another local bank.
They are trying to collect a medical debt that is invalid. I had 2 insurances at this time. They have very little info on original creditor, and the info they do have is very incorrect.
This account shows as a derogatory mark on my credit report which I was unaware of this account. I have not received any letters or phone calls related to this. It was closed an sold to collection agency who neither tried contacting me before putting on my credit report
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 Wells Fargo 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 Wells Fargo, 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.
This firm is using wrong tactics on me to collect the debt. They are saying in the letter they sent a letter to Postmaster on XXXX XXXX to verify my physical address and they are saying on XXXX XXXX they received a response from the Postmaster indicating I had moved and left no forwarding address. This is absolutely false and should be prosecuted for giving false information that I moved. I have been receiving mail and also received a letter in XX/XX/XXXX dated XXXX XXXX. I have been at the same address for the last 16 years. Did they contact the XXXX XXXX company, the Gas company and Water District to verify my address. It will show with them my accounts through out and still have. If I had moved, I would not have accounts with them for that address. They are saying I declined to verify my address in XX/XX/XXXX and that is also false. Instead I asked them to verify my address and they did. I have phone records how many times I called this office numerous times since XX/XX/XXXX to get rid of this account. They had my phone numbers to contact me. Then they are saying my last payment made on the credit card was XXXX XXXX, 2012. I asked the Bank to verify where those funds came from. They said it came from the Business account when I never had business account in 2012. The last payment made was more than 4 years ago. The bank made errors before also on the statements. In order to file a suit they are showing payments made in 2012. I need proof how that payment was made.
Equifax for the 4th year in a row is producing the message : " online delivery unavailable - mail in request '' when requesting my annual free credit report. I have no problem accessing/receiving my report from XXXX XXXX or XXXX. I have no freeze on my credit. I was not prompted to answer any questions on the annualcreditreport.com site when making the request from Equifax, I was prompted to enter the last XXXX of my ss # then I received the above message. I do not want to mail in the report form because it contains personal information - no one mails ss # 's or other info any more & I dont want to receive my report by mail. XXXX is deliberately refusing the online report as they are required to do. There is no way of contacting them by phone, they have no capability to create a profile & contact them online or by phone as XXXX XXXX & XXXX both provide. Equifax is not living up to the requirements outlined in the FCRA.
On XX/XX/XXXX I received a zombie debt letter from XX/XX/XXXX that had been paid in XX/XX/XXXX from XXXX XXXX XXXX XXXX that i owed a debt to them in the amount of {$590.00} from XX/XX/XXXX for court costs. The original court had been paid and i do NOT owe this debt and will not pay these people that i do not owe! This letter is threatening me if i do not pay them that i will get a warrant and lose my license. I wish to proceed to legal advice after i write this letter as i will no tolerate threatening letters from a debt collector that i do not owe and old zombie debt from 8 years ago.
On XX/XX/XXXX I leased a XX/XX/XXXX XXXX vehicle through the GM Auto Leasing process. On XX/XX/XXXX GM Auto Leasing repossessed that vehicle for no apparent reason. I twice wrote to them in search of a reason or rationale for having so abruptly removed this vehicle from my custody, in the middle of the night without my knowledge or consent. No reply has been received to date of this complaint to your agency. 

I see this as a blatant violation of the XX/XX/XXXX Consumer Credit Protection Act. 
All bank payments were current ; and the vehicle was duly insured. I remain at a lost for any kind of a answer to the age-old question of " Why? '' Your examination of this matter is greatly appreciated, as I am an elderly minority who has devoted his whole life to doing the right thing and living responsibly.
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX.

I have attached What these items are :
Nissan decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the Nissan Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.
Dear Consumer Financial Protection Bureau I am filing a complaint on the grounds of fraud and harassment by Seterus , Inc . The lending company Seterus , Inc has created an insurance scheme which is affecting hundreds of thousands of Americans and that includes me. 
In XXXX XXXX I filed a complaint with you ( Consumer Financial Protection Bureau ) regarding, Seterus, because since XXXX I received a multiple foreclosure threats notice from this company, and inspired of the multiple calls to Seterus I was never told why my payments were considered late. I had paid every month I never missed a mortgage payment to Seterus, but still the company has harassed me and continued to do so. 

While I filed the complaint with the Consumer Financial Protection Bureau, I was sent a response from Seterus, Inc, informing me I was considered late because I have not submitted proof of insurance ( XXXX Insurance to be clear ) Of course I had never received an insurance proof request from Seterus until the day of the response to CFPB. I have asked Seterus, Inc in my response to submit proof of the insurance request, of course, like many other thousands of peoples ' I have never heard back. 

On XXXX XXXX, XXXX, I submitted a hard copy of my insurance to XXXX XXXX ( per Seterus response XXXX XXXX is the insurance handler ) I also took the precaution of faxing a copy of the XXXX Insurance to Seterus, Inc, on XXXX/XXXX/XXXX almost two months after I have sent via mail and fax a copy of the insurance I received a letter from XXXX XXXX, asking me for insurance proof. I did respond by fax telling XXXX informing them I had already submitted proof two months earlier. 

Since XXXX I have filed complaints with various agencies, including yourself, the XXXX, and XXXX XXXX. I did get a response from the office of financial services informing me I will get a follow up later, but until today I have not heard back. I have heard back from XXXX ( see attached ). I have an appointment with XXXX on XXXX XXXX, XXXX, and I was hoping not to have to proceed with such an action, but I have been left out of resources. But unitl today Seterus, Inc has not offered a solution or a balance of my mortgage or payments. 

Since I complain in XXXX to you Seterus has used the number I provided in this complain to call me everyday at XXXX including Saturdays harassing me for payment. I have recorded the call as New York allows one party consent, and is clear from the tone and language used by Seterus is harassment. 

I need your help and I thank you for your time.
I secured a loan from Synchrony Bank on XXXX/XXXX/2015 for $ XXXXXXXXI repaid the loan in full on XXXX/XXXX/2015By mistake I paid again on XXXX/XXXX/2015I reported this overpayment of {$23000.00} on XXXX/XXXX/2015 and asked for my money backThey said they would send it within 5-15 daysThey never sent it. I 've called several times to request the money, most recently today. 
Now they are telling me I have to wait 5-15 days again!
I recently closed out a safety deposit box that I had not been in in 32 years. In the box I discovered a Time Deposit issued by XXXX. I have since found out that this bank was acquired by JP Morgan Chase. I went to the local office in XXXX and they could not give me any information and showed no record of having purchased that bank. I verified the purchase through your office and the local library. I then call JP Morgan Chase again and they do not know anything. I have checked the abandoned cash site at the Illinois Secretary of Treasurey website and did not find it there. I would like to know the status of this Time Deposit and where the money went.
The address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX foreclosure status since XX/XX/2010 The bank JP Morgan Chase , NA XXXX XXXX XXXX, XXXX, NJ XXXX has failed to foreclosure and failed to maintain the property. The XXXX XXXX XXXX XXXX XXXX would request that the bank complete the foreclosure process and maintain this property unit a new owner purchases this residence. The " zombie home '' decreases property values within the community and causes hardship for homeowners who wish to sell or refinance their homes.
On Yesterday, XX/XX/2018, I updated my XXXX XXXX to see my score dropped 25 points because of a {$300.00} collection that I have no knowledge of from a company called Midwest Recovery systems. The original creditor company name is 12 XXXX XXXX. I do not know who that is nor do I have any type of contractual agreement with either company and feel this is fraudulent and predatory practices by these companies. 

Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
I am a victim of identity theft. Citi issued a credit card to a hacker that was using an address that wasn't mine. For 11 months they never contacted me and put the card in default. Only after I became aware of the identity theft and notified my bank and XXXX   did Citi put my home address and personal information on the account and then turned it over to a collection agency. Citi ran my credit report without my authorization on two instances in late 2018 and early 2018. I have asked them to remove these inquiries and they refuse. Then after finding out that the credit card was a fraud, they sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX started collection efforts. 
Never in the year in the life of the fraudulently issued credit card did Citi call, write or try to verify ownership of this fraud account til I notified XXXX.
I recived a phone call from Collection Consulting from XXXX XXXX California. They Have not given me a written notice of rights or the debt to be collected. Also they had my debit card on file and used it as payment without permission or notice.
I received a letter from Experian stating that " we are required to notify you that within the last 30 days changes to your name, address, or Social Security Number have been reported to us by a creditor. '' I have not changed any of these items about myself. I contacted Experian to find out who the creditor is that did this. They will not tell me or provide any details. They asked me to order a copy of my credit report to check that all is correct. I did that and everything is ok. But I still want to know what creditor is trying to change my personal information and I believe Experian is required to provide this information to me.
After a few years on unstable employment, I defaulted on my federal student debt and once able, I rehabilitated by debt through a Repayment Agreement Under the Loan Rehabilitation Program Supporting Request for Deletion of Derogatory Credit Rating Previously Reported By the Guarantor for Loan # XXXX - Account # XXXX. The agreement clearly states in Section ( 9 ) the removal of the default and a new entry for the rehabilitated loan. 
The XXXX. failed to fulfill Section ( 9 ) of this agreement. 
The XXXX rehabilitated loan payments required to rehabilitate the loan were made as of XX/XX/2015 and the loan guarantor has failed to notify the national credit bureaus of the deletion of the " derogatory credit rating '' as stated in Section ( 9 ) of the agreement. The defaulted entry was not cleared, instead it was updated to a derogatory credit rating. 
I have been writing to clear this inaccurate and non-relevant information per the agreement from my credit report since 2015 based on the language of the agreement with no success. This reads as a clear breach of the agreement written by my loan guarantor which I agreed entered into.
Following Ally Bank 's instructions from a phone call, I downloaded and completed their PDF form to add my wife as an account owner to XXXX savings accounts. Following the form 's instructions, I submitted it to Ally Bank 's online Secure Messaging system on XXXX XXXX. There was no change to the ownership status on XXXX XXXX, so I submitted reply to the original Secure Message. Ally 's reply on XXXX XXXX was to provide them with already-submitted account information in the form of account numbers. I provided this on XXXX XXXX. Ally then told me to submit paperwork, neglecting to see the original PDF submission. On XXXX XXXX, I replied to have them check their original records because they have this already on file. 

This is the second instance of Ally " losing '' forms that they give instructions to submit online via their Secure Messaging format. I do this because I prefer to send documentation that is encrypted with my username and password rather than fax. Secure Messages leave a paper trail. My first trouble with this was when I was trying to add my wife to a checking account. This second time shows an utter ignorance of this Secure Messaging platform they set up and suggest we use. 

It has now been over two months and my wife still does not see the savings accounts I wanted to join us as newlyweds.
I have previously filed a complaint no. XXXXMr Cooper responded to us via us mail.But again their explanation was full of inaccuracies and false information.They haven't updated their system with any current information and instead are using information provided by them by the previous lender. 
The person in charge of the escrow review is not responding to voice mails.Her name is XXXX XXXX XXXXShe 's the one that responded to the complaint using fraudulent numbers from previous lender. 
My husband and I spoke to an escrow supervisor on XX/XX/19 and we asked him to escalated our issues to upper management.We haven't heard from anyone. 
I feel that MR. cooper is committing mortgage fraud and are using misleading information to collect additional escrow without gathering the precise numbers.They are using insurance and taxes amount due for my property that aren't right.Furthermore they are lying to me as well regarding where they are getting these numbers. 
Perhaps they do not understand that mortgage fraud is a crime. 
I can not understand why the CFPB allows these companies to commit fraud and get away with it. Ii advice them that either resolve this matter correctly or I will contact my local FBI office and escalate the issue.After all mortgage fraud is a federal crime.Maybe your office can escalate this matter to them as well since Mr.Cooper is not been straightforward with my problem.
Please Reference my prior case with this companyCFPB CASE # XXXX A WRITTEN DOCUMENTATION THAT CONFIRM ORIGINAL DATE OF DELINQENCYA woman by the name of XXXX XXXX was working with me previously regarding the above ; she had provided me detailed information as well as her contact information. 
The issue is her contact number is only a voicemail, I have left her a voicemail, but I have not heard back. I also sent her an email. I seem to have had no luck ( only reach a preset voicemail. ) And No email replyOne document that was not provided to me is a statement that provides the ORIGINAL DATE OF DELINQUENCY. 
The original delinquency date is the date the account first became delinquent and was not brought completely current. 
Each of the XXXX credit agencies are reporting this date differently. 
The Fair Credit Reporting Act ( FCRA ) Section - 609 ( a ) ( 1 ) clearly states that a creditor must provide this in writing upon request this Document. 
Please provide this information so that I may update my records. 
I hope to resolve this with you directly before opening a new CFPB Complaint. 
The original delinquency date applies to the first late payment. In which the account was never brought current. 
Thank you
there is information on credit report that do not belong on the report done dispute several time with Experian and they keep saying that the report is updated but there is no change why are they saying there is an update have never done business with XXXX XXXX XXXX XXXX having problem removing it from report or get it deleted Experian say i should contact the CFPB