WillisBack/dataset-financial-user-claim huggingface dataset:
After a Leave of Absence ( LoA ) for one semester I am in the process of being re-enrolled for the Summer and am already enrolled for the Fall semester. For some reason XXXX, my loan service through MEFA, is trying to get me to start paying my student loans starting this summer. This is despite the fact that I still have about two more years of school left to complete. I have contacted XXXX and attempted to correct this numerous times but no progress has been made. I had my registrar at my college fax in my enrollment history including next Fall, but I received a letter ( from MEFA ) saying that my loan deferment was declined, supposedly because the documents they received were " illegible ''. XXXX has said that I need to be in classes again by XXXX in order for my loan payments to be deferred until after I graduate again. This is ridiculous because the Fall semester at my school starts a week or so after XXXX 's deadline. I am now waiting to get approved for summer enrollment which they say will enable me to defer payments, however XXXX has refused to give me any slack while I'm awaiting the approval and if the approval from my school comes too late I have to start repayments and I am totally XXXX.
Ocwen Loan Servicing acting as the Servicer of this Mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on our personal home by selling it at auction on XXXX XXXX. The direct violation of HBOR law is based on Ocwen Loan Servicing improperly and unfairly reviewing our loan modification request for relief. We have submitted a complete loan modification direct via fax. Ocwen Loan Servicing illegally commenced and is conducting a foreclosure without attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Ocwen Loan Servicing instructed and allowed the foreclosure trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. The Ocwen Loan Servicing and know your options website gave the result that we are eligible for a Loan Modification with a lower payment to save our property. So there is no reason why Ocwen Loan Servicing should have denied our request or started foreclosure on our home.
I am a XXXX-year-old XXXX woman had taken out two loans to pay off medical bills because the state of California refused to give me XXXX during my transition to permanent XXXX. Navient has refused to aid me in anyway other than threatening me, when I didnt have a job for the last eight years they took money out of my Social Security account every month even though I told him I didnt have money to them. They told me that they would sue me, they send me letters every month reminding me theyre taking that money out, when I try to call and get them to help me they wont. There are sharks and they need to be stopped and I refuse to pay them any more money. As Ive already paid the balance of the loan and had no idea of the outrageous loan rates because I was never told about them.
This is the 2nd official complaint against XX/XX/XXXX regarding their inaccurate reporting to the credit reporting agencies. I have been dealing with this since XX/XX/XXXX. Because I filed a complaint through CFPB and the State of Texas Attorney General 's office XX/XX/XXXX is not only incorrectly reporting to the credit reporting agencies incorrect information but they are purposely reporting different information and running my credit report ( s ) multiple [ al times causing financial harm.

Original CFPB complaint # XX/XX/XXXX- XX/XX/XXXX
I hereby issue this affidavit within this Federal platform. At this time, the above is issuing a temporary gag order against XXXX and Experian. Because at this time the above filed a complaint againt XXXX Complaint ID # XXXX on XX/XX/2018 and also filed a complaint against Experian Complaint ID # XXXX on XX/XX/2018 with XXXX XXXX XXXX - Division Cheif, Consumer Protection Division -Michigan Attorney General Office XXXX XXXX XXXX XXXX , MI XXXX. It has been brought to my attention that both of these institutions are soliciting inaccurate information about my identity with their clients during an investigation with the Michigan Attorney Generals Office. It is further been discovered that these two institutions are sharing reports with their clients but are withholding information that the insititutions themselves are under an ongoing investigation with the Michigan Attorney Generals Office - compalint # 's listed above. At this time the above does not feel that his information is being safe guarded by either of these two instituions wherefore I am attaching this affidavit with each and every application that the above releases and in doing so i will offer an invitation to any and all creditors to re-direct their request for complete file information to be done with only XXXX and the above will pay for the full complete report regardless of whether a creditor extends credit or not. All you have to do is contact me by email and submit request for payment. 

The above certifys that on this date XX/XX/2018 at XXXX XXXX that a true copy will be faxed to both XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and Experian : XXXX XXXX XXXX, TX XXXX by the next business day XX/XX/2018
My loans went into default with the Department of Education. TransWorld began a garnishment on my checks. THis garnishment continued for 3 years until I set up a rehabilitation contract with them. For 6 months I was to pay an extra XXXX a month along with the garnishment of XXXX. Once these 6 months were over, they would stop the garnishments. XX/XX/XXXX should have been the final garnishment from my checks. However, the garnishments have continued. I have attempted to call the Department of Education but their automated system gives me the number to call TransWorld since my loans are in collections. I call TransWorld and get a recording that they are no longer running due to the federal govertnment filing a lawsuit against them. Not only did I complete my rehabilitation promise, I have also consolidated all my student loans with XXXX. My first payment with XXXX is due this month but I am unable to pay it because my check is still being garnished. I have done what I need to do to no avail. Where is this money from my check going? I have all my loans in one place and the payment did not go there. How do I get this stopped and get my money put on my real student loans?
they were charging me for having the services that I did not which I had continuously called them about. I was using regular phone service and they were charging me for internet data usage when the phone I was using could not even access the internet. They are now in the middle of a class action suit regarding this.
I went to court for this issue. Was told by the judge to pay XXXX XXXX in the amount that was owed of {$1800.00} by XX/XX/XXXX, 2012. I went into the office to give the property manager a chashiers check if {$6000.00} but was told they couldnt accept any money from me. I few weeks later all of my belongings were thrown out into the alley behind the building.
The Credit Bureaus are reporting that my monthly payment for XXXX of my student loans are above $ XXXX when in fact it is only {$290.00} for all XXXX consolidated loans. This is throwing my debt to income ratio off.
Received a notification from XXXX  that Commonwealth Financial Systems has flagged my account for collection. Upon logging in and reviewing the information submitted to all three credit bureaus by Commonwealth Financial Systems, I assert this company is attempting to collect a debt that does not belong to me. I have not been in the emergency room during the times they allege the debt was incurred. I have attempted to dispute this debt, but each time I dispute it, they fail to remove the information while it is being investigated, they fail to provide me with proof the account is mine, and update and refresh the reported information to appear as new within days of the dispute.
On XXXX XXXX I applied for and was approved for an XXXX Platinum card with a XXXX Membership Reward point bonus after spending {$3000.00} within the first 90 days of card membership. 

On XXXX XXXX I called XXXX to confirm that I was eligible for the offer - the rep confirmed my eligibility. To make totally certain this was accurate, I then called back two more times and spoke with different reps who also confirmed eligibility. 

Based on these approvals, I then spent {$3000.00} on the credit card. But for the confirmation made my XXXX reps, I would not have spent this money and would not have singed up for the credit card at all. 

I have contacted XXXX who is now ( after I spent the {$3000.00} ) saying that I 'm not eligible for the point bonus. They first conducted an investigation in which they claimed that I never called to verify eligibility. After providing proof that I called, they then changed their story to say that they were able to find the calls and confirmed that the representative did confirm my eligibility. However, even though they admit their mistake, they are still not willing to honor the point bonus. I have defrauded out of {$3000.00} and XXXX membership rewards points. 

Please see the attached documents which highlight my application approval, my phone call records, letters from XXXX denying I called, and their eventual admission that I did call, but they are unwilling to make good on the word of their reps.
XXXX XXXX XXXX, account numberXXXX is fraudulently and inaccurately being reported on my EXPERIAN AND XXXX credit files. 
Here is my history of the card to the best of my recollection : I originally received the card with a {$300.00} limit.I used the card twice for about {$50.00} each time and I paid on time.About one or two months later there was a charge for XXXX XXXX or something like that in the amount of {$120.00}, charged in XXXX XXXX, somewhere I didn't go.The card had been '' skimmed. '' I cancelled the card and paid a {$100.00} " cancellation fee. '' I got a new card in XX/XX/2014 which I used and paid.When I got the bill, what was on it was not my charges.I called and cancelled in XX/XX/2014.
took out loan with td bank. signed up for intellipayment at dealership- they have harassed us about being late when its auto deducted. we finally resolved the issue with them after many complaints. they took what they claim to be 2 week late half payment and made is sign letter stating a FULL payment will be added to end of loan. this is ripping us off of a half a payment but to stop the harassing calls, letters and ruining my credit when I have never paid late we agreed. now over a month later they are claiming again that we are late a month and owe a month plus XXXX $ and late charged. the payment is auto deducted every 2 weeks and have proof of every payment. I will not pay any more than I am required to and it is not fair they are trying to scam all this money from us. it can not be late when it is auto deducted from the bank account every 2 weeks according to the payment schedule. I can provide statements showing this! I want something done about this company- they resolved the issue then came back with the same issue all over again.
On XX/XX/XXXX XX/XX/XXXX XXXX XXXX runs my credit without my authorization I try to contact Equifax for solve this problem but I ca n't the system reject me out if somebody can help me with this problem
My payroll check is deposited on this card weekly. I was informed by Rushcard that system updates would take place on Monday at XXXX. It is Friday at XXXX. I have no access to my funds. I can not withdraw or make purchases with my card. My money is being held hostage. 1 day maybe, but XXXX. We have rights. This cant be legal!
I have I submitted XXXX letters to the credit reporting agency asking for verification of account and how the verification as obtained. All letters were sent certified. I am questioning FCRA 611 nd FCRA 609 process. 
To date I have not received any reply to by letters sent certified on XXXX XXXX 2015 and XXXX XXXX 2015 certified. The Credit reporting agency has refused to reply and provided proper documentation for the records I listed in the correspondence and remove the items since not reply was provided. All copies of the letters and certified mail receipts are attached.
I have a Home Equity loan with Citibank. I have had it since XX/XX/XXXX. In XX/XX/XXXX I had to file bankruptcy. However Citibank was not included in the bankruptcy. After that it became very difficult to make my loan payments. In XX/XX/XXXX I filed a complaint with CFPB and the trouble stopped until about six months ago. Again I called to make my payment ( the same payment I had been making since XX/XX/XXXX-no problem-they took my money ) and all of a sudden I can no longer pay because I filed a bankruptcy. Well I do n't understand what the difference is now and the last XXXX years when they took my money and did n't give me the run around. By run around I mean the XXXX phone numbers they have given that are all bad numbers. Each time I called them I was told that they did not have my account-once again because it was in bankruptcy-these are the numbers : XXXX, XXXX ( by the way this is listed as their bankruptcy dept. number ) XXXX, XXXX ( this had been the only good number up until now ) XXXX. These numbers are all not able to take my payments. Last time I had the misfortune of dealing with a XXXX XXXX, Default Executive Response Unit Manager. He was extremely rude and not helpful. Because he called during the day and I was at work, he said that he had tried to reach without success therefore this matter was closed. I had called him back only to receive an answering machine and left messages. He finally called back but was very non-helpful. All I want to do is make my payment once a month by the XXXX of each month. I do not understand why they are making this so difficult once again. The way I see it if no one can find my account then I must not owe any money, but I 'm sure that is not the way they will perceive it if I stop paying them. Please help me to remedy this situation. I 'm just trying to pay off my loan. Thank you, XXXX XXXX
I was a victim of hurricane Irma last year and during this time my payments on two cards fell behind and were charged off as bad debt. I contacted the company before the charge off was initiated to try and get an extension and they agreed to at the time. I noticed that the account was charged off anyway and this has company ruined my credit after I was told differently by phone.
Company has made no attempt to contact me to collect this debt. Improper dates recorded on my credit report as well as past payment history.
Hello. They told me my loans were in forbarance which the lady that told me that didnt really put my loans in forbarance so they went into default without me knowing. They started taking my taxes making it hard to prove a hardship that my family and I were going through. I finally started habilitating my loans and finished the XXXX program. They told me I did n't complete it on time so they kicked me out the program and had to start over, that 's when they continued to take my income taxes, which I feel was n't right because I finished the rehabilitation program. 



Thank you XXXX
Nationwide Credit , Inc. ( " NCI '' ) frequently contacts me more than once per day and more than federal laws allow. At times, the telephone calls take place up to XXXX times in a single XXXX hour period. See attached copy of the XXXX XXXX, 2015 demand letter for additional details and examples. 

Although NCI received the demand letter on XXXX XXXX, 2015, they continue to call me repeatedly. XXXX has called me no less than XXXX times between XXXX XXXX and the present date. See attached : copy of certified mail receipt ( front and rear views ) and photographs of my cellular telephone log. 

NCI also violates federal law by failing to provide me with the information to which I am legally entitled. On XXXX XXXX, 2015, I verbally communicated a request to receive both a verification of my debt and a current statement of my account to a collection agent known to me only as " XXXX. '' Although this person told me that I can expect to receive the requested information and that it would come from a Pennsylvania address, I never received anything from NCI. For this reason, I have no contacts, monthly statements, receipts or additional correspondence to submit.
Hello, in XX/XX/XXXX & XX/XX/2017, I had a 60 & 90 day late balance of my credit card ( XXXX XXXX Card ). I was XXXX at the time, and never received and notification of billing or late debt despite leaving my forwarding address with my homestation 's post office. I received no billing, and noticed a massive drop in my credit score in XX/XX/2017, where I then investigated, paid the debt, and followed up with my post office. I did everything I knew to do in order to receive my mail/bills, but was in a XXXX environment and was never made aware of any debt or late payments. It's been over a year and it still isn't back to where it was. I'm interested in purchasing property and my credit score will affect my interest rate for a loan. I was interested to see if there are any options available to remove this negative impact to my credit score. Thank you for your time today.
I've noticed on an governmental website that the reporting agencies are required to remove inaccurate information, disputed at the consumer request ; Especially in the event that there has been some sort of prejudice of conflicting information with the account data or without supporting information from a reporting creditor. It is not an acceptable response for a creditors statement to be as simple as " the information remains, '' and even more frustrating if a consumer rights with fair lending rights and/or laws were subject to prejudice with the account. ( Ex. Prevention of account access including payments and maintenance of loans. ) DISPUTE : Any dispute that has been initiated by me has been because the information is not correct or it should not be reported due to some type of discriminatory practice. The credit reporting agencies are required to update the report as requested. 

INQUIRIES : I've noticed that there are a high number of inquiries on my report and by institutions that I did not give permission or authorize to have any access to the credit information. I can attest that I have attempted to obtain credit with a few lenders but the additional inquiries shouldn't be on my report. It may be an circumstance of identity theft ; They have not proceeded with the removal of those unauthorized inquiries. 

SCORING MODEL : Although the information being reported to these potential lenders has not be accurate, I believe that there may still be some prejudice to the credit score that they are delivering. Please keep in mind, the negative information that shouldn't be reported is several years old and has damaged the report within the first delinquency date. It should not continue to be so volatile and definitely shouldn't be still impacting the score heavily, but it is significantly impacting the score today. And with over 10 years of positive credit history with Education Loans, Auto Loans, Credit Cards, Installment Loans vs. 2-4 negative accounts.

ACCOUNTS NOT REPORTING : There have been several accounts that have been removed from the report. And commented that even though I did not initiate the removal, it can not be added back to the account. I was not able to find any information about this procedure but I do believe that the information should be reported. Especially with me notifying them of the missing information. 

UTILIZATION : It has become frustrating that an account that has been closed, and is not an active account, reports utilization like an open revolving line of credit. The consumer does not have ability to access the funds within that account and does not rely accurate information about a creditors current lines of credit usage. The account technically if in a closed status and whether charged off, " meaning the financial institution received financial compensation through an tax write-off, '' should not be calculated on the consumers current utilization trends. -It just doesn't show the true character of the available credit and the monthly usage, and reaches controversy to the common knowledge of the long-term effects of negative information on a credit report.
I had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
XXXX 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX/XXXX Transunion 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX/XXXX XXXX  1.XXXX XXXX XXXX XXXX  2.XXXX/XXXX  3.XXXX  XXXX XXXX ... 
Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...
My wife and I had our personal data exposed by the credit reporting agency Equifax. As a result we can never be sure that our personal data wo n't be used against us, or to fraudulently obtain credit in our name or to access and steal our financial information and assets. 

In addition, Equifax apparently knew about the data breach for at least a month before revealing this to those of us who 'd been hacked. That was a month that could have been used to change passwords and logins, and otherwise protect ourselves. Instead it was a month used by the hackers to burrow further into our personal data and use it for gain and to harm us. 

Finally, when they did announce the breach they did a inadequate and poorly coordinated job of setting up yet another unsecure link to check if we 'd been hacked and then did n't allow us to IMMEDIATELY sign up for credit protection - only announcing a future date when we could.
I was promised 0 % apr for 21 months ending XX/XX/2020 After five months of on time payments I accidentally made a payment late by 5 days. 

The late payment was due to their website not working properly. 

I contacted card member services and they agreed to credit me back the late fee. 

Then without notifying me they revoked my promotional period and began to charge me interest. 

I was neither notified over the phone nor was I notified by mail. 

I contacted the both XXXX XXXX and XXXX XXXX XXXX and was given the run around on the phone. 

I was treated very rude. 

I have taken notes on my phone conversations and have the names and dates of those who treated me rude and deceptive. 

I told them that I would call the police and they laughed at me. 

Sincerely, XXXX XXXX  Customer
This is an old medical debt with no way of settling or disputing. No one has co operated with me I was under my mothers insurance and suffering now.