WillisBack/dataset-financial-user-claim huggingface dataset:
Starting in the summer of 2015 I had wanted to consolidate all my student loans so i could have one single manageable payment. When I found a consolidation company XXXX XXXX XXXX I gave them my information and I was told they were going to work diligently to gather all my loan information and come up with a reasonable payment plan. Three months later after calling once a week every week i finally saw progress on my payments and plans. As i looked at my credit score recently i noticed that i have a high impact rate during this time from apparent missed payments that i did not now i missed. Yet during this time i was waiting on a third party to complete my consolidation process.
In XX/XX/XXXX, our rental property mortgage fell behind. Due to tenant non-payment for many months. At that time, XXXX XXXX XXXX was the mortgage lender. XXXX XXXX XXXX suggested a loan modification. Paperwork and required documentation was submitted several times, for a modification, which in turn was never received by XXXX XXXX XXXX. After many failed attempts at a modification, the loan was them sold to XXXX XXXX XXXX. 

XXXX XXXX XXXX would not accept any payments and also suggested a loan modification. Again after several years and failed attempts at a loan modification, the loan was next sold to Fay Servicing. 

XX/XX/XXXX, Fay Servicing agreed to a loan modification. While the modification process was in place, Fay suggested submitting a forbearance. The initial forbearance payment was made with the intent of completing the loan modification. We agreed to proceed with the modification and a good faith down payment amount was set. A few months later, Fay Servicing contacted us and dismissed any prior agreements to a loan modification. The property currently is a rented and the lease is set to expire XX/XX/XXXX. According to Fay, they will not do a loan modification unless the property is owner occupied. If this is the only way to achieve a loan modification then I will move back into the property after the renters lease is expired. Fay will not explore this option unless I have documentation of owner occupied for the past few months. This is impossible because the property is currently occupied by my renters. 

In XX/XX/XXXX we could not pay the mortgage and fell behind. In 6 years time, we have saved money and paid off debt. We currently do not claim to have a hardship but do request a fair settlement for this property. Fay currently has set sell the property at foreclosure on XX/XX/XXXX. We currently are behind over {$80000.00} owed to Fay but have been unable to make payments due to the many transfer of the note over 6 years. The amount owed is well below what the property is currently valued. 

We ask Fay Servicing make good on the initial loan modification agreement and keep in mind the property will be owner occupied within 3 to 4 months time.
XXXX  had reposted a paid debt that had been handled by Diversified Consultants located at DIVERSIFIED CONSULTNTS   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  (  XXXX  )  XXXX  Overview You 've paid off 61 % of your collection amount.   Balance {$180.00} Highest Balance {$480.00} Opened  XX/XX/XXXX   ( 6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  11    XXXX   XXXX   This has been paid in full and I called the debit collector about this statement more than once, and they assured me they submitted to  XXXX  as with   XXXX   and  XXXX  that the debit is paid, the only one NOT following federal regulations is  XXXX . I called  XXXX   XX/XX/XXXX  and spoke to a Supervisor who expected me to call the debit agency giving them permission to confirm i allowed  XXXX  to interact with them in inquiry to this dispute??? Really? How Evasive can you get??? Ive also turned  XXXX  into the FTC for fraudulent information, sabotage attempts, Damaging my credit and doing the same exact childish behavior  XXXX  did to me when I had the issue with  XXXX   XXXX .   These people are over seas incompetent twits and should not be allowed to handle consumers personal information as they are  apt to  destroy and ruin people intentionally.
West Asset Management has been calling my boyfriend 's cell phone everyday after he asked them to not call him anymore as he is not responsible for my debt. My boyfriend has recorded numerous times that they still continue to call and using aggressive measures to collect a debt. This company is harassing someone who does not owe this debt and should be held accountable for these attempts after being asked numerous times not to call that number.
XXXX XXXX reported to the IRS on XXXX for XXXX that I paid {$1300.00}. The amount of interest payments I actually paid in XXXX was : {$4700.00}. 

I reached out to resolve the tax information issue multiple times in early XXXX until the tax filing deadline. I was told on XX/XX/XXXX via email ( see attached ) that it will be corrected in the next XXXX XXXX. I filed my XXXX tax return only reporting {$1300.00} in interest paid hoping XXXX XXXX would resolve the deficiency. 

It did not.
While I was on XXXX XXXX, I was told by the XXXX office and Navient that I would be released from my obligation to my student loans, but instead was put in default and ruined my credit.
BMW Financial Services called my cell phone at XXXX on Tuesday XX/XX/2018. A voicemail was left. The number that appeared on my caller ID is XXXX. The person who left the voicemail is named XXXX, and it was requested that I return his call to XXXX.
I recently completed a year of service with  XXXX  and thus was awarded the {$5700.00 } Education Awar d. I used this money to pay toward s my Federal Student Loans through Navient. I s ubmitted the payment request, as instructed by  XXXX , through the " My  XXXX  '' portal. I made the following payment requests between  XXXX   XXXX   XXXX   XXXX ,   XXXX   : {$950.00} to be paid towards loan number  XXXX  {$2200.00} to be paid towards loan number  XXXX  {$190.00} to be paid towards loan number  XXXX  {$2300.00} to be paid towards loan number  XXXX  I made the payments in the way so that loans  XXXX  and  XXXX  would be paid in full. Both of these loans had interest rates of 6.55 % while the other  4 loan s throug h Navient had interest rates between 3.15 % -4.41 %.   By paying loan  XXXX  and  XXXX  I would have lowered my monthly payment and lowered the amount of interest accrued on my loans. This would have allowed me to pay less interested and pay off my loans in a shorter time frame.     Howev er, Navient did not follow my instructions and rather evenly split the {$5700.00} between the 6 loans. This means that none of the loans were fully paid off and I am therefore still accruing interest across all 6. I submitted a complaint with Navient o n  XXXX   XXXX ,   XXXX   and again on  XXXX   XXXX ,   XXXX  . Between this time I have also tried to call customer service multiple times. I have never received a response and when I have tried to call I was transferred to multiple customer service representatives and ultimately placed on hold for hours without ever receiving any actual assistance or information.
United Revenue Corp continues to NOT provide proper validation of debt. Since I have been disputing this false information they have Flagged my credit report four different times this month ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I sent a certified letter XX/XX/2017 asking to please provide proof that this debt is valid. They did not ... instead they sent break down of fees BUT they did not provide a copy of my signature with the provider of service to release my medical information to a third party. I really do n't believe they even reached out the original creditor because United Revenue Corp did n't receive my letter until XX/XX/2017 but managed to validate this alleged debt in one day because the letter they sent me is dated XX/XX/2017. So they mean to tell me they were able to get in touch with the provider on Saturday or Sunday to validate this debt? 

I truly believe United Revenue Corp is breaking the law by 1 ) refusing to properly validate this alleged debt. 2 ) Contiuning to report false negative debt to the credit bureaus. If this witch hunt continues to happen I will seek legal counsel with the full intent to sue! I am very aware of my rights under the FAIR CREDIT REPORTING ACT. AND I also know a itemized bill is NOT validation of debt!
Companies Involved : Coinbase - account created XXXX - Parent company of Coinbase. Same Coinbase credentials used to log into XXXX XXXX XXXX, XXXX - Created Coinbase account online XXXX XXXX, XXXX @ XXXXEST - Same Day Wire Transfer of $ XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX - submit request to XXXXXXXXXXXX, receive generic response stating to check back on the XXXX. 

XXXX XXXX, XXXX - nothing back from support so reply to support with additonal information. 

XXXX XXXX, XXXX - another request/email to XXXX inquiring about funds, no reply. 

XXXX XXXX - XXXX XXXX - Mulitiple calls to XXXX support with 2+ hours of wait time with no pickup or system hangs up. 

Its been over a month and I have not received my $ XXXX SAME DAY wire transfer to my coinbase account?!?
I have a Wells Fargo Visa Platinum Card - which i got it very recently. Some issues with their customer service as there is no chat and very long hold times if I try to call. Website is too old and not intuitive. 
Unfortunately as part of the account setup - i tried to setup alerts and notifications but it's not always working. 
I was always on-time in terms of making the payments. 
I was out of country during XX/XX/XXXX to XX/XX/XXXX. Didn't got any alerts and notifications from Wells Fargo. And it seems they charged me some Late fees of {$15.00}. 

When their customer service is so aweful, website is so minimal - they should at least forgive first time the late payment. And look for why the automatic payments and alerts/notifications are not working.
A hold was placed on my checking account this afternoon for {$5100.00}. I contacted my bank, XXXX, and they named Premier Credit of XXXX XXXX and Indiana Department of Revenue as the parties requesting the hold. I had not heard of Premier Credit of XXXX XXXX before, and because I pay taxes I 'm familiar with XXXX. However, I was shocked to learn that there is a claim for that amount of money, and even more shocked to have found out by not being able to access the funds in my bank account. I did not receive a certified letter, a notice to appear in court, a day in court, nor was I served papers, or anything similar that could prove that I was provided with communication regarding whatever is going on. According to XXXX, they received a court order and have to comply - my question is where is MY copy of said order? Why do n't I have the order? How is it legal that a XXXX is afforded due process, but I 'm not? I 've been paying taxes since I was XXXX years old, and my income continues to rise, which means the amount that I contribute to this state continues to increase - along with my property taxes. I am extremely offended by this miscarriage of justice. Why is it legal to take money from a bank account without advising the account holder in advance ( certified notification )? Furthermore, this money is not owed, which I will have to spend my time, taking away from my husband and XXXX young children, during the next several days/weeks/months resolving whatever this is all about. However, my issue right now is not whether I owe a debt for {$0.00} or a XXXX dollars - the issue is how is the practice of seizing bank accounts over an " assumed '' debt without providing prior notification or even dispute resolution legal? Where is my due process? Where is my day in court?
I requested the original credit application and copy of drivers license from XXXX XXXX. Thier response said that they do feel the need to send me the requested information. I am legally entitled to request this information. Thier failure to provide me with this information that I requested is in violation of rights. Please remove this account from all of my credit files immediately.
To Whom It May Concern : I am writing once again to formally request that you validate all trade line notations that you have submitted to the three major credit reporting agencies for the following account ( s ) :  Account Name - Citi Account Number XXXX Your recent correspondence claiming that the information is correct is, in fact, inaccurate. You should know as much since I have previously provided you detailed documentation that clearly shows your information to be inaccurate. Your unwarranted and unjustified actions continue to harm to my otherwise exemplary credit history and has caused me to unnecessarily incur higher interest rates and unfavorable loan terms. Moreover, as a result of your unwarranted actions I have also been denied the extension of credit. 
As such, if you do not immediately stop reporting the incorrect information, I will be forced to initiate action against you for your failure to abide by the terms of the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ). Moreover, please note that the Federal Trade Commission ( FTC ) has maintained that incorrect credit reporting is equivalent to engaging in prohibited collection activity, which I am sure you know is governed by the Fair Debt Collection Practices Act ( FDCPA, Title 15 U.S.C. 1692 et. seq. ). In any event, I am certain that you can not validate the aforementioned inaccurate entries and therefore demand that you cease reporting this information and take the necessary steps to see that it is deleted from my credit file. 
To summarize : Your company has failed to send the legally required validation of this debt as required under the FDCPA 1692g ( a ). I have notified you that your actions are detrimental to me and have caused me harm and that your actions are, at a minimum, in violation of the FCRA and FDCPA ( See FDCPA 1692k " Civil Liability '' ). 
Despite the fact that your company knows that the continued reporting of inaccurate information is damaging to me, you continue to disseminate incorrect and harmful information to third parties, including but not limited to the three major credit bureaus, XXXX, XXXX, and XXXX. 
Be advised that if this matter is not resolved expeditiously, I will take any and all necessary steps to protect my rights as referenced above. In the alternative, should you wish to resolve this matter amicably, this will be your last opportunity to do so. Therefore, the item ( s ) identified above must be deleted from my credit files with the three major credit reporting bureaus ( XXXX, XXXX, XXXX ) within 5 days from the tracked and verifiable receipt of this letter. Please send me written confirmation that the item ( s ) will be or have been removed and will not reappear on my credit reports again. 
Consider this letter an attempt to correct your records, and understand that any information received from you will be collected as evidence should further action be necessary. Furthermore, if it is determined that you are in violation of the FCRA, you may be subject to special and exemplary damages as well as costs and attorneys fees per 1681n and 1681o of the Act. 
I look forward to your prompt attention to this serious matter.
Repeated calls 5 to 10 times a day every day, I have repeatedly told them when I am able to pay I will call them and do not call more than once a day for the past month.
I was given a {$200.00} American Express Gift Card from my former employer a 3-4 years ago. The card is clearly marked on the front of the card with an expiration of XX/XX/XXXX ( XX/XX/XXXX ). The back of the card also clearly states " Funds do not expire ''.

Went to use the card on XX/XX/XXXX and the store told me it had a XXXX  balance. Didn't think I had used the card so I called the customer service phone number on the back XXXX to find out why it had no balance. Long story short - they told me it was a state/federal law that required them to XXXX the account one year from issuance. They told me they cold re-issue the {$200.00} balance - but they needed to talk to the person the card was issued to ( former employer HR department ).

American Express contacted the HR assistant at my former employer and told her she needed to email them various pieces of personal information, i.e., DOB ... then they could re-issue the {$200.00} balance to the card. The HR assistant is not comfortable with sharing that information.

Reached out to American Express a second time and tried to speak to a manager to try and get this issue resolved. Long story short I was transferred to their XXXX customer service department - which could not put me in touch with a manager. I was told there was no manager on site, I was not allowed to leave a message and my only option was to continue to call back and hope I caught a manager ... What the XXXX!

American Express is stealing the {$200.00} and it's a complete travesty that they can clearly advertise an expiration date that's completely false. It's ridiculous what they are making me go through after I've spent thousands of dollars with their company.

The card was issued in the state on MN and MN Gift Cards do not expire per a XX/XX/XXXX state law. I want my {$200.00} back!
Quality Asset Recovery is listed on my credit report and trying to collect an amount of {$2000.00}, I was not aware of this
Santander USA is the worst company in the world. I have been forced to pay a car I never drove. I went to a XXXX dealer to finance a car and asked them for a black. After signed papers work they delivered a red car. I called santander and they told me they couldn't do anything to return the car to the dealer but they could take the car and sell it for me and pay it off. We agreed that it was not gon na affect my credit. After they picked up the car they started reporting charge off on my credit. And when they picked up the car they asked me to not make any payment before they sell it. 3 month later I received a letter stating they sold the car for less than the value and I had to pay the difference that was {$10000.00}. We agreed i had to pay {$5000.00} and they was gon na keep my {$3500.00} down payment, my wareanty refund and my gap insurance refund. Everything together was more than {$10000.00}. 1st they broke our agrement, 2nd they messed up my credit and now they're reporting the account is paid for less than the amount own. 
I'm looking for to bring santander in court but don't know how. To everyone, if a dealer try to give you a car loan through santander be careful because you will be disappointed at the end. The worst bank ever
XXXX TransUnion and XXXX remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything with XXXX
Used to work forXXXX XXXX XXXX XXXX XXXX for XXXX. Was convinced to switch told service would work at my house and if it did not that I would not be charged cancellation fees or any other things. So I switched back about XXXX of 2018 Service did not work at my house so I canceled, payed and closed the account. Went to buy a car today and saw that I had a {$560.00} collection from XXXX. Was never notified of any debt or received any telecommunication mail or other communication types. As soon as I was aware of the debt I paid it ( today ) XXXX-18 confirmation # XXXX
I have some outstanding past due medical bills that have gone to a collections agency. I have an answering machine on my land line phone. I have a generic outgoing message on the machine that states no one is able to answer the call and does not mention any names. Today, I found a message on the machine that claimed to be from the collections agency. The incoming message stated that it was for me, by name, and that anyone else should immediately hang up. The message then went on to explain the nature of the call was to collect a debt and gave the name of the agent and that of the agency and their telephone number. I have a girlfriend that spends several days at my house at a time and the answering machine is in the living room, where she can hear both the outgoing message and the incoming messages. 

The message is saved on the answering machine, with no direct way to save it as a computer audio file. I may be able to play it back and capture the speaker output to a voice recorder that generates XXXX files that can then be copied to my computer.
Called National Credit System and spoke with a XXXX XXXX regarding a letter needed stating I owe an debt. I explained never received and verified my address. XXXX XXXX advised could not send another letter regarding the debt they only allowed to send one letter.
I am a victim of identity theft. Someone stole my identity and applied for an auto loan in my name with XXXX XXXX XXXX. I have never applied for an auto loan with XXXX XXXX XXXX. The auto loan account with XXXX XXXX XXXX is fraudulent, unauthorized and not mine. I been receiving harassing and threatening phone calls of profane and vulgar language, death threats, threats of legal action, wage garnishment, arrest, jail and prison time from XXXX XXXX XXXX call center debt collection representatives at home and work at XXXX XXXX and XXXX XXXX  for a fraudulent account and debt of {$7000.00}, I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ).
I was leaving for extended overseas trip and paid off my XXXX XXXX city bank credit card balance in full but when I came back there was {$160.00} late fees. I called the city bank and city bank preservative provided me with no dispute option and made me to pay in full. Call was recorded. In my second call to a supervisor she indicated there was a {$13.00} charges that were proceeded late by city bank and City bank would reimburse for all the interest and late charges. ( Call was recorded and transcripts should be available ). She documented the problem and send it another department for resolution and she asked me to check back in a week for results. When I called no action was taken and just got the run around. City bank did not take responsibility for processing the charges late which was confirmed by city bank representative on the 2nd phone call and they ruined my credit for {$13.00} and made me pay {$160.00} late fees.