WillisBack/dataset-financial-user-claim huggingface dataset:
Between my private loans which I pay now at XXXX a month and my federal loans I cant even afford to do anything with and my interest rate is going up higher and higher I started I think at 60 and now it is up to 80 something! I literally have been putting my life on hold! I am XXXX not married but engaged ... no kids Bc I cant even suport myself for goodness sake and no house Bc I cant get a down payment together nor do I want a huge mortgage! College was legit the worst mistake of my life I wish I could go back in time and never woud have went. It legit is useless Bc I would be making the same without it. Its horrifying and since m loans have been in forbearance this whole time they keep going up but I cant afford them and no one ever told me about this ... I legit get so sick to my stomach just even thinking about them ... there are days where I think about getting into the XXXX industry or something of that sort to just even pay them off with my full time job I have. I am desperate and loose sleep over this every night. I have to pay my private loans back as well and my gosh those are so much as well and I dont know what to do. I am completely lost! Please help. I am honestly begging for help from someone who reads this.
I viewed my credit report and saw a debt collector on it by the name of Credit Solutions account number XXXX. I disputed as I was bewildered because not only did I not know the creditor, I did not have any derogatory creditors on my credit reports so this as extremely upsetting. I contacted Credit Solutions and they told me I needed to contact XXXX XXXX XXXX XXXX which was also listed as the original Creditor. However, I contacted them because they ( Credit Solution ) had it listed on my credit report. Well, before hanging up Credit Solution stated that I owed {$1200.00} to XXXX XXXX XXXX. I stated to them, this was almost a year ago XXXX XXXX XXXX nor Credit Solutions contacted me, I saw this derogatory reporting on my credit report and that is n't fair and this was paid by my insurance as I am XXXX and have XXXX insurance which I provided XXXX XXXX with my insurance card when I went to the emergency room. I then contacted XXXX XXXX in which I spoke to 3 different individuals stating that they billed XXXX instead of billing the correct insurance XXXX insurance. I was told that they would submit the claim and within a few weeks the claim should be paid and they will have Credit Solutions to remove from my credit report. I have called XXXX on several occasions and for some reason each rep is still saying that they did not submit to XXXX so they could be paid. This is not right for this organization to be neglectful and put on my credit reports.
I have contacted Experian on several occasions letting them know that these address do not belong to me. ( XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX GA, XXXX XXXX GA ) I do not know how these addresses got on my credit report but I have been receiving letters and phone calls from foreign companies and people I do not know that have mentioned these addresses along with my personal information. I feel that my safety may be threatened because whoever these people are contacting me they are tracking me through my credit report with these addresses that do not belong to me. I have attached a police report because I have been a victim of identity theft in the past but Experian does n't seem to care about my personal safety at this point by leaving this information on my credit file.
I have hard inquiries on my Equifax credit report that I did n't authorize or recognized. These are the following hard inquiries 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 ) and XXXX XXXX GA XXXX XXXX XXXX. Also identify theft was played at fault in many of these unauthorized accounts.
I have had XXXX loans with AES and for some reason they had XXXX accounts for me. I would log into each account online and pay. In XX/XX/XXXX they had my birthday wrong and I faxed them my birth certificate and other documents they said the problem was fixed. I continued to pay. In XXXX XXXX they locked me out of my account. We called to resolve the issue and they said I did not have XXXX accounts and that they could not find the account we were locked out of and wanted me to fax my documents. I faxed everything and then in XX/XX/XXXX made another phone call and asked to pay the balance and for them to resolve my online access, they would not tell me how much I owed to be able to pay it. They sent me a letter saying the account was past due. I called again in XX/XX/XXXX to ask what I owed and they said that the account no longer existed and they had merged both accounts. Then on XXXX XXXX, XXXX a debt collector called me to say that my account was 130 days delinquent. I was not aware that the account was overdue and every time I tried to pay it they told me that it did not exist. They now want me to pay the balance plus charge me a late fee. The late fee should not be charged because it was not my fault that they screwed up my accounts and would not let me pay. I have bank statements and hard copies of receipts of where I have been paying both accounts until they locked me out of the XXXX account in XX/XX/XXXX and said that it did not exist. I am upset that my credit might be damaged and do not know how I am going to catch up on my payments. I spoke to a representative on XXXX XXXX, XXXX and gave her both account numbers. She pulled them both up, she unlocked the account that they said did not exist and told me how much I owed. All this could have been done in XX/XX/XXXX when I was not even behind on payments. I have tried to pay since XXXX and spoken to XXXX different people, all of who said that there was only XXXX account.
Commonwealth Financial Systems removed the 2 accounts that aren't mine from XXXX, KY on my XXXX  in the amount of {$1300.00} and {$1300.00}. They state that theses are 2 different accounts in the same exact amount! However they never were removed from my Transunion Report. I also reached out to XXXX XXXX and asked about the 2 accounts. They verified that there was one account not 2 in the same amount. There is one account in the amount of {$1300.00}. So CFSI is basically trying to make me pay them twice for the same bill. If they have proof that I was in XXXX, KY and seen a Doctor and have proof of my signature or me in a video surveillance I will be glad to pay, however it doesn't exist. My Ex wife lived in XXXX and is using my identity. Please remove these accounts immediately! Thank you!
I SENT A CERTIFIED LETTER ASKING FOR VERIFICATION FOR A COLLECTION ACCOUNT NAMED XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX, IN THE AMOUNT OF {$390.00}, THEY ARE REPRESENTING XXXX THIS IS REPORTING ON MY CREDIT BUREAU 'S AND IT WAS DELIEVERED AND SIGNED FOR BY THE COLLECTION COMPANY ON XX/XX/18. I HAVE NEVER RECIEVED ANY TYPE OF VERIFICATION BACK NOR HAS A NOTICE OF DISPUTE BEEN PLACED ON MY CREDIT REPORTS. I WANT THIS COLLECTION ACCOUNT DELETED PERMANTELY WITH THE ORIGNAL COMPANY AND THE COLLECTION AGENCY. THEY ALSO ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. THIS IS A VIOLATION OF THE FOLLOWING : -NOT REPORTING ENTIRE ACCOUNT NUMBER IS A VIOLATION OF SECTION 609 OF FCRA , SECTION 623 ( A ) ( B ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 )  BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.
I became aware of having to recertify my REPAYE loan with Nelnet student loans. 
Prior to this these people have been great but due to misinformation, incorrect directions, and each person telling ( or not telling ) me what I need to know I now face the possiblity of almost a {$10000.00} capitalization on my student loans. 
After submitting form after form, time after time, without anyone helping me get this problem solved I finally, after mentioning I wanted to know if Nelnet had a corporate omnibudsman, I was informed there was a resolution center .... Wow ... 
Since all the calls are recorded I have proof and when I asked the supervisor who is held accountable and why should I have to have my interest recapitalized, she said that is an internal matter. the {$10000.00} I have to pay does not matter to Nelnet and they are going to force me to accept this even though it is their error.
On a given day I could get 10+ calls from Allied Interstate. I pick up, they hang up on me, or when I do get someone they do n't speak English and demand I pay my debt. 
I have asked them not to call repeatedly through out the day, and they continue to call.
I had a business account with citibank, which was opened with my businesses LLC and tax Id with no personal guarantor ( this is important later in the summary ). I filed a claim due to a purchase that was never received, in doing so I provided all the documentation that was required of me at that time and received a provisional credit in the amount of the charge. A few months pass and I was requested to send additional documentation to validate the claim, at the time of request the date printed on the letter was already BEYOND the date they needed to receive the information so I called explaining that I just received the letter and the date was already beyond that date and they told me not to worry and to just send it in. I faxed in the information immediately that day and got a confirmation that the fax was received both by the fax machine and when I called the next day to confirm receipt. I was told by a male supervisor that the fact had been received and that the account was currently in appeal status. A few weeks later I called in for a status update and also because I had received a letter indicating that because the information was not received on time that the provisional credit would be removed on " XXXX '' date. I was told to ignore that because the fax had been received and that since the account was in appeal status that the credit would n't be taken back. A few weeks later I check my account its overdrafted and showed the credit was in fact taken back on the date the letter indicated. I called and asked what was going on and was told that they never received any fax and I need to re-fax it in. I did this again ... got a confirmation from both he fax and a rep that it was received. A few weeks later I got another letter this time indicating that I need to pay back the overdraft or the account would be charged off ... again I called and again I was told to ignore that letter because the account was in appeal status. So a few weeks go by I call for a status update and AGAIN I 'm told that they fax was n't received and I needed to re-fax. So this time I go to a branch and have them fax it, they fax it I get confirmation from the bank rep that it was successful and I call and confirm the same with a rep. A few weeks go by I get a letter saying the account was closed to NSF/OD and at this point I give up. Then I get the XXXX report for my business and its closure reason is determined as " account abuse ''. I go into the branch and they tell me it must have been an entry error because " most people do n't even look at these reports '' I tell them I am happy to pay the amount and just take the merchant to civil court for the amount of the original charge but they needed to fix that first. I get a letter from citibank which I confirm with a rep that " i need to pay first then they will delete it ''. SO no citibank is extorting me for fixing inaccurate entries. Further I check my personal XXXX report only to find that the same entry for my business is also on my personal XXXX report for the same amount and " account abuse '' rather than the accurate entry of NSF/OD which is listed on the actual charge off letter from citibank.
I have been dealing with the negative marks about this creditor. I have sent letters asking to substantiate this debt. All the letters, phone calls, have not furnished proof of debt that is allleged. Yet they continue to leave the derogatory marks on my record, with no proof of such debt
I received a scam email from someone pretending to be Bank of America New York. The email describes a large amount of money  to be credited to my account, and that they only need to confirm it with my contact information and bank account details. 

Here is the email that sent it : XXXX Below is the content of the email : XXXX XXXX XXXX XXXX. 
Bank of America. 
Branch Offices New York XXXX XXXX, XXXX XXXX. 
NY XXXX, USA. 
Vice Chairman on Investment Banking Director, Credit Control Dept. 


TELEGRAPHIC TRANSFER NOTICE We are hereby officially notify you concerning your fund telegraphic Transfer through our bank, Bank of America, New York, to your bank account, which has been officially approved by the management of XXXX XXXX XXXX ( XXXX ) to credit the sum of US {$18.00} XXXX into your bank account. 

Note that I have started processing your payment and every thing concerning the immediate remittance of your funds will be carried out within the shortest possible time from the time we received your? Below needed information. 

Also be informed that the Governor of XXXX XXXX  XXXX ( XXXX ) will sign on your payment advice and a copy of the advice will be sent to the XXXX XXXX in XXXX for some record purposes. Meanwhile your information and your full contact details were received from our research manager, XXXX XXXX on your behalf to XXXX  for immediate release of your fund This fund was part of the lodged Late President XXXX XXXX of XXXX XXXX XXXX with XXXX XXXX XXXX XXXX, which the XXXX XXXX has decided to distribute it generously to help few lucky individuals and the American Government is in agreement with the XXXX XXXX to distribute the fund to 700 hundred thousand people in America,  XXXX & XXXX in other to help improve their businesses. 

Therefore, reconfirm the aforesaid information accurately, because this office can not afford to be held liable for any wrong transfer of funds or liable of any fund credited into an unknown account. 

These are the information we needed to be reconfirmed by you. 

1.Your Full Bank Account Details 2.Your Direct Cell or office phone to reach you 3.Your address of locations 4.Your full Name Finally, you are required to reconfirm directly to me the above information to enable me use it to process your bill of payment. 

Your quick response shall be mostly appreciated ; all your response should be directed through our alternative email address for the immediate attention of the credit control department.

Yours Faithfully , XXXX XXXX XXXX XXXX. 

Vice Chairman, Director, Credit /Telex Department . 





































, Click here to view the fund page for HonorarysI XXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If you no longer wish to receive email messages sent from your friends on behalf of this organization, please click here or paste this URL into your browser : XXXX XXXX XXXX XXXX XXXX   XXXX
Equifax re-inserted accounts on my credit that do not belong to me without proper verification. I requested that Equifax verify the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit reporting agency must give you the method of verification information within 15 days of your request. Equifax have not done so. These are the accounts that do not belong to me : XXXX, XXXX, XXXX XXXX, XXXX, and XXXX 2007 account.
I put {$300.00} on a prepaid credit card and only spent on a purchase with XXXX in the amount of {$10.00} and XXXX purchases of {$1.00} each with Silhouette. I went to use it again in 2015 and checked my balance and there was no money left on the account. There were XXXX transactions that I did not make to a XXXX XXXX XXXX in XXXX XXXX XXXX CA. I do not even live near XXXX XXXX XXXX or shop in the vicinity. I filed a complaint and sent them the receipt for the card that the XXXX 's XXXX where I purchased it in XXXX XXXX was so kind to give me. I then received a letter stating that they had no response from me and that the transactions appeared valid. They then closed my case even though I attempted to communicate with them by Fax several times. 
They have never answered any of my faxes. I have not tried to reach them recently since my husband was very ill and I was unable to deal with this problem. But I am now trying to get help to make some attempt to resolve the matter. I do n't believe the credit card company made any attempt to investigate but is just keeping the money and making it difficult to communicate with them. 
Sincerely, XXXX XXXX
My homeowner requested to be approved for a short sale on his VA mortgage XX/XX/XXXX after being laid off from his job and also recieving an offer on his property. Later that month we provided the bank Roundpoint Mtg the buyers Good Faith estimate along with a fully executed closing disclosure outlining all costs. the bank countered the buyers offer amount and also was notified in writing that the roof had to be replaced and was given a roofing bid to replace that for the buyer to be able to be financed for the property. The buyer was also requesting that his loan costs be paid at closing from the sellers proceeds. 
After speaking to the bank several times it looks as if everything was in place for an approval letter. In XX/XX/XXXX the bank requested updated Closing disclosure which included the buyers loan costs again. XX/XX/XXXX they removed the file stating it was not complete but had been since XX/XX/XXXX. I had to start the entire process over and provide them updated docs which i did in a timely manner. The bank stated on XXXX XXXX that they needed an Opt Out letter which they again already had since XXXX XXXX. This was not being processed correctly since i had confirmation that it was sent via email. I did resend them the Opt out Letter again. I asked that the file be escalated since we had been in this process with the same buyer since XX/XX/XXXX. On XXXX XXXX I called and was told that the bank would NOT be paying for Title insurance or the buyers loan costs. Even though they had not requested that either be removed from the last Closing disclosure requested and sent to them on XXXX XXXX. I asked that they revisit these costs as they are typical and standard costs for a short sale and they refused to have either of those costs to be included in the short sale approval. The seller has continued to make mortgage payments and has not defaulted on his loan. I believe Roundpoint mortgage is not representing the seller and is causing a " Sale Fail '' based on their own opinions of what should be approved in this short sale. The buyer can not afford to pay for a new roof and all of his closing costs and the ENTIRE Title fee 's. The buyer will already be paying for half of his own title fee 's and the bank should be paying for the sellers half of Title fee 's. This is a standard and necessary fee to obtain insured Title on the property.
Commonwealth Financial Systems FAILED to respond to my request for VALIDATION of an alleged debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Commonwealth Financial Systems received my VALIDATION request 31 days ago on XX/XX/2018. I have not received the documentation that I requested. By law since this alleged debt has not been properly VALIDATED it must be DELETED IMMEDIATELY. On XX/XX/2018 Commonwealth Financial Systems stated that their tradeline and alleged debt in the amount of {$160.00} would be DELETED with XXXX, XXXX, and XXXX in response to a complaint with the XXXX. As of today XX/XX/2018 Commonwealth Financial Systems is still showing up with the credit reporting agencies XXXX, XXXX, and XXXX against my SSN.
I received a letter datedXX/XX/XXXX from Chase that I have issues with. The letter stated that they immediately sent me a text when there was suspicious activity on my account. That message did not reach me because my carrier rejected it. I did contact Chase on XX/XX/XXXX about this issue. Chase incorrectly stated that they recommend that I update my mobile consent and link my cell phone. This is a false statement by Chase. This was NEVER conveyed to me. Additionally, the statement said I would need to do this to minimize the delay and immediately clear up issues on my account. 
Chase has my phone number. They attempted to text me so why not call me? The number is on file. If there is suspicious activity, should n't Chase want this clear as soon possible and want to get in touch with the account holder? Why not call? Chase also has my email address. Why not send an email? Chase also has a secure message center. Why not put a message in the secure message center about this issue? Chase is be disingenuous about this issue and not taking responsibility for their lack of customer service. 
Finally, Chase state that " as a courtesy '' they issued me XXXX point to cover the 3 % cashback on this transaction. Again, this is a mistreatment. This is not a courtesy adjustment. This is an adjustment to fix an issue that Chase caused. I do n't understand why Chase can not take responsibility for a problem they caused. Please update this on my account record for Chase so that it contains the correct information and send me an updated letter in the mail.
I attempted to use my Walmart MasterCard at XXXX on XXXX/XXXX/XXXX and the transaction was declined. I called Customer Service regarding the declined charge and was informed that it declined because they sent me a new card. I inquired why with the representative and she could not provide a plausible answer as to why a new card was sent. On XXXX/XXXX/XXXX, I received notice via mail that there was an address change on my account. I attempted to check my Walmart MasterCard account online and learned that my account was closed. I called Customer Service BACK as I did not request a change of address and wanted to know HOW someone was able to request an address change. The representative informed me that the thief used their automated system to request an address change. The representative would NOT provide me with the address that was given to them in Florida nor would they advise me on how the individual was able to do this over the phone. The representative also advised me that the card was reported lost or stolen. The thief was able to spend {$2500.00} on my credit card in Florida BEFORE they realized that the transactions were unusual. My address has ALWAYS been the same and almost all recent purchases show a certain state and city for trending purposes. My question is WHY did n't they contact me to verify this BEFORE they sent a new card to the " updated '' address? I find their policy regarding updating addresses and reporting cards stolen to be absurd and in need of changes as it is not FAIR to consumers that thieves can use this as a tactic to steal identities and credit card information. It is absolutely ridiculous that I had to answer several identifying questions before finding out things concerning my account when the perpetrator was able to simply dial in to the automated system, report a card stolen, and update an address.