WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I applied for a home loan but was denied. The reason for the denial was an open but delinquent Navient student loan account. I contacted Navient to find out more about this student loan because I was unaware of it, all my other student loans are in good standing. A litigator at Navient explained to me that in XX/XX/XXXX the cosigner on this student loan filed for bankruptcy and lumped in this Navient student loan account. Eventually it was discharged in XX/XX/XXXX and the account remained in limbo for several years. I asked to have the account closed and removed from my credit report because I was unaware of this account and didnt have a chance to avoid delinquency. The litigator explained that, after much back and forth, the only option was to have the interest removed during the time the account was in limbo. I did not agree with this result and still requested to have this student loan account closed and removed my credit report. 
While waiting on a response from Navient I received a collections letter from XXXX XXXX, dated XX/XX/XXXX, ( letter attached ) this company explained that they were attempting to collect a debt on behalf of Navient but is willing to accept a settlement of {$19000.00} I responded, in writing, letting them know that I dispute the validity of this claim and would like information from the original creditor. While waiting for a response from that collections company I received another letter. This letter was from XXXX XXXX dated XX/XX/XXXX ( letter attached ) this company also said that they are attempting to collect a debt on behalf of Navient, however they were willing to accept a settlement in the amount of {$7100.00} I responded in writing letting them know that I dispute the validity of this debt and would like information from the original creditor. As of today, XX/XX/XXXX I have received no response from either XXXX XXXX or XXXX XXXX. 
Two separate companies have attempted to collect a debt on behalf of Navient. Both are requesting different settlement amounts and neither have provided information from the original creditor to support their claim.
this company is reporting to credit companys with no legal right to do so, i have no contract or agreement to pay with this company or entity there of, i have attemted to contact this company numerous times to no end, they have refused to remove the account from my credit report while not proving they had any right to report in the first place. as for XXXX to whom the original debt was owed they have sold and closed the debt and my personal information to a 3rd party without my permission and closed the account and have not made any reports to my credit so there should be nothing on my credit in that regard. dates on my report by AFNI XXXX XXXX XXXX XXXX IL XXXX on date XX/XX/2017
Bank of America Child Support prepaid card services and supervisors are refusing to deposit my money. The two payments were made in XXXX. They went to " pending '' but NEVER posted to my account. One was on XX/XX/XXXX for a total of {$400.00} and the second was on XX/XX/XXXX. I 've spoken to Bank of America at least a dozen times regarding this matter. I have submitted all documentation that they have requested. I have been hung up on by supervisors at least four times. I have contacted and gotten documentation from the child support agency for the state of Maryland, gave a supervisor of Bank of America the transaction numbers and the check numbers. They said that child support agency of Maryland did not fulfill these payments. Which I have proof of otherwise. I have documentation from Bank of America showing the pending deposits, and that they were never posted to my account. In XXXX of XXXX there was not one transaction made, not a deposit nor a purchase! I have experienced very rude and disrespectful conversations between myself and supervisors of Bank of America. I have all supporting documents from the state of Maryland and from the Bank of America website showing that nothing was deposited on these matters. Every time I 've spoken to a different customer service representative and or supervisor I have been given different reasons on why the payments we 're never deposited. Despite me sending all of my supporting documents, I have just been turned away and or hung up on, or given the excuse of a glitch in their system. I would not recommend Bank of America to anyone. If I had a choice I would definitely go through a different bank! Please help me! Thank you very much!
On a recent review of my credit report, I discovered your company Portfolio Recovery reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt They said that everything is verified and accurate to all three credit bureaus but it is Based in there word without any physical evidence. 

They must produce also produce the above or delete or entry from all 3 credit bureaus.
Received call from Asset Recovery Associates XXXX XXXX stating that I owed a debt and legal action will be taken if I do not pay over {$1000.00} by the end of the day. When requested written proof of debt collector XXXX XXXX asked for mailing address which was given. Called back XXXX/XXXX/16 to let know that written letter was not received. Collector XXXX XXXX stated that letter would not continue to be sent. When asked when letter was mailed and if it was certified collector stated that would put down that I was refusing to pay and legal action would be taken. When asked if a certified letter would be sent agent hung up the phone on me.
Equifax has added a 90 days  Fraud Alert i n my credit report stating that was requested by consumer.   I HAVE NOT REQUESTED A FRAUD ALERT TO BE ADDED ON MY REPORT.     Please  REMOVE Fraud Alert i mmediately.
CAP ONE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAP ONE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAP ONE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
My complaint is with USBank. Apparently, they said that they mailed me a letter in XX/XX/2016 alerting me to an increase in my APR from 15.24 % up to 20.49 %. Supposedly this letter said that I could " opt out '' and close my account if I was not agreeable with this change. I have asked for proof this letter, which I never received. First of all, I never received this letter. Secondly, I would have opted out and closed the account. Thirdly, they have since increased my credit line to {$21000.00}. Please help!!
I disputed with Transunion, but I have not received a final reply. I had to log in under " initiate dispute '' to view my credit profile and see that the items : XXXX XXXX, XXXX XXXX ( XXXX accounts ), and a bankruptcy appear on my credit profile. I started my disputes in XXXX 2016, and recently sent a final letter XXXX/XXXX/16 asking the bureau to send me documents verifying these account. These disputes are going on 6 months, and I have not received a document that validates these fraudulent accounts. As a victim of identity thief it is very important that these item be removed. Under FCRA section 611 ( a ) ( 7 ) a consumer has the right to ask for a receive verification documents within 15 days of an item being verified. My letter being sent XXXX/XXXX/16 asking for these documents is over 15 days old. Where are the said documents? My log in date for Transunion is dated for today. Still these items exist on my profile and still I have received anything from Transunion. As of yet, I have not pursued a law suit against Transunion, but as it is stated under law, I can initiate a law suit for resolution. This is outrageous, that it is taking this long to investigate and provide documents. It is hard enough being denied credit as a victim of identity thief.
We changed banks. We requested our auto payments be taken from our new account. This did not happen. We requested this on the phone and were told it would be taken care of 3 times. I then made the request again via costomer servicee portol so it was in writing. DITECH continued to refuse. As time progressed and I was told it was taken care of, payments were declined from the old bank. I was called, I set up new auto pay again beong told it was finally done. As you will see from our record we have spent HOURS over multiple days trying to get this resolved We are getting harassing phone calls and letters. Each time we go through it we are told OK now we see it will be taken care of -- -again it hasnt been We have over paid, paid for faxing and told we are refusing to pay.We are tired of these letters and calls and have told them to never call again- unless they call our bank XXXX XXXX They refuse to listen.
I was attending XXXX XXXX XXXX when it closed it 's doors XXXX XXXX, 2016. I started school XXXX XXXX, 2016. In order to go back to school I had to take out a loan through the school for around {$13000.00} at a 12 % interest rate. I thought that this loan would be divided up and distributed per semester, like Federal Loans are. I found out after the school closed down, that they released the entire amount to the school the end of XXXX. Because the school closed down and I had not completed my first term of school, I receive nothing. No grades, no credits, no transcript. Now the loan company is saying that I ow this {$13000.00} loan back to them. I took out that loan for an education, XXXX that I will not be receiving from the school that money was paid too. How can they expect me to owe that money if I am not getting anything in return for it? I have called ASFG and they have told me that they do not report to credit bureaus and that no other school would see that loan. Now that myself and other students have stopped paying the installments on this loan, they are threatening to report on our credit. I need help with having this loan cancelled as the school is in breach of contract with me. At no fault of my own, am I unable to finish out my education with XXXX XXXX XXXX, so therefore I feel they broke the contract on this loan and I should not be held responsible for paying any monies back.
Bank of America is notorious for re-ordering transactions to drive up overdraft fees. 
I made a transaction on Tuesday evening ( XXXX XXXX ) at a restaurant for roughly {$10.00}. Dropping my balance to {$57.00}. The next day I woke up, my account was negative {$170.00} dollars. They re-ordered a {$150.00} charge to the beginning of the month causing my account to overdraft XXXX times ( {$100.00} ). Bank of America has a policy that if your bank goes into the negative, you have until the end of business to get it back positive before they charge you an overdraft fee. My account should have been negative roughly {$100.00}, in which I would have transferred the money over. They refused to remove the overdraft charges when I had called. This is a predatory practice. Had the bank not done this, I would not have been charged ANY overdraft fees. Instead, they used predatory practices to take {$100.00} dollars from me. 

This practice should be illegal.
I have multiple student loans, one specifically through NelNet. On Monday XX/XX/XXXX, I was receiving information from them to my email that my payment was due that I was unaware of so I called nelnets customer service specifically to get my account up to date and figure out what was going on. As expected, they asked me my answers to my challenge questions that secure my account which is standard so I didnt think much of it. Since my account was locked out for 30 minutes, they said they would call me back. When they did, they started charging my account for large fees claiming that I needed to stop making my student loan payments because they were going to consolidate them. They also said in doing it this way my loans would be forgiven in 240 months. They charged my account XXXX, and my fathers account XXXX ( CO-signer ). This is obviously a student loan scam, as nelnet called us directly on XX/XX/XXXX, telling us that our payment was still overdue and that the department of education would never charge an upfront fee because this is something you are able to apply for free of charge. This is how we came to find out that this was indeed a scam and the previous company was NOT nelnet we were working with directly.
I have XXXX of the exact same items listed on my credit report as collections. They are the same account number, same amount owed, same collection company, same date of deliquency, etc. I have disputed this information only to be told that it was " verified ''. The bureau can not report XXXX of the exact same collections on my report. It is against the FDCPA. They need to delete these accounts as it is inaccurate. I am very unhappy that I already disputed and they did not do their proper job to delete since they have it on their twice. The credit reporting agency says they are only reporting once and it is the bureaus job to remove. You can see the dispute results attached. You can see they are XXXX clearly the exact same items.
My home mortgage was transferred to nation star, now Mr. Cooper in XX/XX/XXXX from XXXX XXXX. When it was transferred I had a check in the amount XXXX that was cashed by XXXX XXXX but not transferred to Mr. Cooper mortgage. I began by calling Mr. Cooper and then XXXX and back and forth I finally wrote a letter because I was not getting an any answers. I have a letter dated XX/XX/XXXX that I wrote to XXXX XXXX ... now Mr. Cooper. I explained the problem and asked that they find my money and apply it to my account. My usual house payment is XXXX, however I often doubled or more my payment so I had more than 2 payments lost in the transition. I asked that they find my money and correct my records. They assured me there was a grace period for my payments in this transition and that no problems with my credit would occur because of this. I received a letter from Mr. Cooper on XX/XX/XXXX explained that they had found my money and that the payment was applied to my account. At that date I was paid until XX/XX/XXXX. I continued to make my payments at the exact amount of the payments. I did not trust it to make over payments with mr Cooper since their record keeping seemed poor. after some more back an forth my records were corrected and I was sent a history of my payments at my request. I was assured that I was in good standing and that nothing was late. in the middle of XX/XX/XXXXthis popped up on my credit report and Mr. Cooper had reported that I had made two payments late by 30 days in XX/XX/XXXX and XX/XX/XXXX. That is untrue. I am trying to buy a house right now and it took my credit rating from above an 800 to the mid to low 700 's. My closing date has been set for XX/XX/XXXXand I have called and written to Mr. Cooper to ask that they correct this, Yesterday I received a letter from them that it would be at least another 30 days before they would get back to me. By that time my house will have closed and my credit will have determined another loan percent for me. I have explained this to Mr. Cooper on more than one occasion. I need to have this cleared up before my closing date and in time for my lender to have an accurate credit report on me. I have records scanned in to send to you. verifying what I have said to you in this letter. I need help and it needs to be quickly to make a difference in my loan. I am very unhappy with the responses from Mr. Cooper. This is not the only problem I have had with their service. I want to file a complaint. Thanks you in advance for any help you can give me with this very frustrating experience.
I MADE NUMEROUS RETURNS TO KOHLS VIA MAIL PER THEIR INSTRUCTIONS AND PAID POSTAGE AND PURCHASED TRACKING AND CONFIRMED THEY RECEIVED THEM ALL. THEY RECEIVED MY RETURNS AND DID NOT ISSUE PROPER CREDIT OR REFUNDS AND WHEN I CONTACT THEM ABOUT IT THEY ADVISE THEY CAN NOT LOCATE MY RETURNS EVEN WITH THE TRACKING AND DETAILS AI PROVIDE AND SAID THER IS NOTHING THEY CAN DO TO HELP ME THEY HAVE HUNDREDS OF DOLLARS OF ITEMS I RETURNED TO THEM AND NEVER ISSUED CREDIT THIS IS VERY WRONG
Released tax lien from XXXX XXXX Register of Deeds filed XX/XX/XXXX and released XX/XX/XXXX and XXXX XXXX Register of Deeds file XX/XX/XXXX and released XX/XX/XXXX. I relocated out of the XXXX on XX/XX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all 3 credit reporting agencies. I have disputed multiple times and each time XXXX, Experian, and XXXX states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.
XX/XX/2018 - I made a more specific attempt to resolve issue to Experian and XXXX. 
Two accounts are being reported on my credit history that were opened via fraud. 
XXXX XXXX XXXX XXXX XXXX Line of Credit account and XXXX XXXX XXXX Credit Card. 

I recently sued XXXX XXXX related to employment I had with them in conjunction with the loans mentioned above. I sued in the XXXX Pennsylvania District Court - Case XXXX. My case was over Discrimination, Breach of Contract, Fraudulent Misrepresentation, Interference with Prospective Economic Advantage and Violation of Pennsylvania Wage and Payment Collection Law. Part of my issue with XXXX XXXX was that I they made me obtain the loans for XXXX XXXX benefit with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. These loans were granted using my Intern Salary which XXXX XXXX only paid me for a short period of time while preparing to open my office/agency. I had to use the funds from these bogus XXXX XXXX loans to the benefit of XXXX XXXX by purchasing XXXX XXXX marketing materials, XXXX XXXX mail and online ads, etc. 

I attached the lawsuit for your review. If you take the time to read the lawsuit, you will understand how and why I had to sue XXXX XXXX. While the case was settled, I still have the credit issues from the fraudulent loans that XXXX XXXX made me take during my Internship. 


XXXX XXXX XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report. 


XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report.
XXXX XXXX SSN XXXX I took out a loan with RiseCredit on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX My payments were automatically drafted from my bank account on the XX/XX/XXXX and last day of the month. In XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX, so they could negotiate lower payments and interest on my debts while I made one monthly payment. XXXX made an offer of {$200.00} per month for my account and on XX/XX/XXXX RiseCredit countered with an offer of XXXX per month for 12 months ( see attachment Rise Credit_Offer_Agreement_XXXX ), and on XX/XX/XXXX RiseCredit returned the accepted written proposal to XXXX XXXX XXXX ( see attachment Rise Credit_Accepted notice_XXXX XXXX ). 
My XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments have been made as agreed upon ( see attachments Rise Confirmation of XX/XX/XXXX Payment, Rise Confirmation of XX/XX/XXXX  Payment, and Rise Confirmation of XX/XX/XXXX Payment ).

On XX/XX/XXXX, I found that RiseCredit had begun reporting my payment as more than 30 days past due on my credit ( see attachment Credit Reporting ). This caused my previously rising score to drop significantly ( see attachment Credit Score Impact ). I contacted RiseCredit on  XX/XX/XXXX at XXXX XXXX ( XXXX ) believing there had been a misunderstanding. I spoke with someone in the special handling department, and I was advised that all of my payments are being made as agreed, but they report to the credit bureaus based on my original agreement and due dates from when I took out the loan. 
As a matter of law, a new contract supersedes a prior contract. RiseCredit has no right to report my payments based on a previous agreement that no longer has effect. I have never let my payments come late on this loan, and they should not be reporting them as such. I understand and agree that the account will ultimately be reported as settled, but I do not believe that an account is past due just because a company agreed to accept a different payment plan and dates. I would like this past due payment removed from my credit as it has made a drastic impact.
I already paid this debt more than 2 months ago but it is still effecting my credit report.