WillisBack/dataset-financial-user-claim huggingface dataset:
In 2014 I sent numerous emails to my advisor at XXXX XXXX XXXX University. I was a new student attending classes online. It was an attempt to complete my degree after a XXXX XXXX XXXX. Within a week I knew I had bitten off more than I could chew. I emailed stating that I wanted to drop my classes because I wasnt able to keep up and was having bad headaches. I received a response that I could take my time with assignments and drop one of the classes. My response was that I wanted to drop all classes and continue at a later date. My body was telling me that I wasnt ready, and the stress of the quality of the work I put forward was unnecessary to deal with. I sent many emails and left a message asking for my classes to be dropped. If I were able to drop them on my own I would have. I didnt hear anything back until after the cutoff deadline. I was I informed that if I withdrew Id be responsible for paying the tuition because it was after the drop deadline. I emailed stating that wasnt fair as I had attempted to withdraw before the deadline, and I was unemployed so had no way to pay the tuition. Thus why I was receiving Financial Aid. I wasnt withdrawn from classes and I didnt attend either. Account was sent to collections for XXXX
I am a victim of identity theft. I recently learned that my personal information was used to open 2 accounts XXXX XXXX & XXXX opened XX/XX/ 2018 and XXXX opened XX/XX/2018. I  contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau or creditors. They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, close and delete these 2 accounts and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
XXXX took it off cause I do not owe this it is not my debt to pay I do n't know where it came from I have had only XXXX and now XXXX I do not know what other steps to take it needs to come off my report tried to apply for a mortgage loan to buy a house and they told me about it on my credit report did not know anything g about it till then that was XX/XX/XXXX been fighting it ever since XXXX took it off my report
XXXX / XXXX / XXXX  I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the  XXXX  credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since  XXXX / XXXX / XXXX . The court order states that I pay  XXXX  a month and I pay more than  XXXX  a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the Depar tment of Economic Security and was advised that I am current in my child support obligation. I have 50/50 custody of our children and am being penalized as a responsi ble Father, my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.
I have been trying for almost three years to have XXXX XXXX XXXX and/or Experian remove this information from my credit report. XXXX XXXX XXXX does not list correct contact information at Experian. It appears through an internet search that both Experian and XXXX XXXX   XXXX have been aware of this issue for years and done nothing, even in response to prior CFPB complaints about XXXX listing this very PO Box in error, or deliberately. In the attachment, please see the Experian report dated ten days ago listing XXXX 's address. Compare that with the US Postal Service rejection letter saying that the XXXX XXXX XXXX " moved and left no forwarding address ''. Now compare that with a letter to XXXX XXXX XXXX provided to me through contacting another aggrieved Experian Customer that also wrote to this address and had the dispute letter returned ... date XX/XX/2016. That person also complained to XXXX and the CFPB about this particular address being incorrect. This is willful negligence on the part of Experian and this is actionable .... possibly class action. Experian, please ask your counsel XXXX XXXX for their opinion before a lawsuit gets filed.
RE PHH Mortgage # XXXX On XX/XX/XXXX, I was notified by XXXX XXXX  that XXXX was switching servicing of my mortgage to PHH Mortgage as of XX/XX/XXXX. I sent check # XXXX for XXXX on XX/XX/XXXX to XXXX so that they would have it post to XXXX by XX/XX/XXXX. I checked XXXX, XXXX website on XX/XX/XXXX and saw it did not post. I called PHH and got the run around. The next day it was the same and I called XXXX for assistance as they actually own the paper. They could not get a live person to talk to. I continued to try over the next few days and finally found it was not booked on their system. I called PHH again a few days later but it still was not posted, They booked the account on XXXX but payments were not posted. I called XX/XX/XXXX and found payment posted to my account on XX/XX/XXXX. PHH received my check in their lockbox on XX/XX/XXXX and I believe they held it till XX/XX/XXXX so they could tack a late charge on my account. I called and was told it posted XX/XX/XXXX but there was a late charge. I asked why and they said I had a 10 day grace and that they received the payment after the grace period. I told them I had a 15 day grace not a 10 day, and they argued with me on that. I offered to email them a copy of my loan showing it was indeed a 15 day grace and that they had the payment since XX/XX/XXXX and I wanted it posted as of the second and they refused to do so saying they could not rebook the loan on their system and apply the payment as of the XXXX of XXXX. They would however remove the late charge they gave me. This issue is still unresolved by them. I am seeking help in getting my account properly boarded and interest adjusted as I am paying them more interest in the way they are calculating my interest. ALSO, they are forcing me to either pay more to make a payment each month or give them my banking info so they can debit my account. Since my husband and I are both XXXX and our pay is not date specific, I must pay as I get the money and pay a fee for them to collect my funds unless I let them yank my funds out. I have NEVER missed a payment or given any of my servicers a reason to question my ability to pay my bills so I fail to understand why I have to pay extra to make a payment each month when the funds come out of the very same account. I know that if they are doing this to us, they are doing it to many military families and this is very unfair and smacks of XXXX XXXX  tactics - thinking we won't notice them picking our pockets ... Any assistance is greatly appreciated. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, OR XXXX ( XXXX ) XXXX
My husband and I filed Chapter XXXX Bankruptcy on XXXX/XXXX/16 which was discharged XXXX/XXXX/16. Merchants Acceptance was listed as a creditor, did not show to the XXXX hearing, did not contact our attorney during the bankruptcy stay, and after discharge called me and left a recorded voicemail stating that they would only update the credit report once we paid back the loan, or gave them their vacuum back. The company is acting illegally by, violating the bankruptcy stay, bankruptcy Discharge Injunction, and the FCRA by not updating our credit report. The company is in clear violations of the law. The account was discharged in bankruptcy in which I am no longer liable to repay the debt, yet the company fails to CORRECTLY report the account on our credit. As of XXXX/XXXX/16 the account shows delinquent, has a balance, and not included in our Chapter XXXX bankruptcy.
I secured an auto loan with Santander Consumer USA on XX/XX/2017 for a used car. I have been paying my auto loan on time for over a year and it has still not reported on my credit report. Per recommendation from the car dealership Santander is required by law to report to the credit bureaus quarterly or I am not liable for the loan. I contacted Santander and they stated that I would need to file a complaint through the credit bureau. Unfortunately, I am not able to file a complaint on something that doesn't exist on my report. Please assist with this. I have been trying to build my credit back up and I thought this was reporting. If I am not held liable for the loan I would like to see what is needed to do to get out of the loan.
XXXX XXXX XXXX XXXX a national association as trustee. 
This matter was published as occ # XXXX XXXX XXXX XXXX XXXX, mi XXXX XXXX XXXX XXXX and realtor XXXX XXXX came to me in XX/XX/XXXX demanding that I move out because he had bought the property from a FORECLOSURE bank sale from XXXX XXXX XXXX  for XXXX and produced a covenant deed. I moved out. In court proceedings he currently are denying all above after raising his right hand to tell the truth. 

On XX/XX/XXXX he presented closing papers of a sale from the above XXXX XXXX department. The documents are stamped by XXXX district court XX/XX/XXXX @ XXXX it is a, As proof he bought the house. 

PROPERTY TRANSFER AFFIDAVIT PROMPT 5.  PURCHASE XXXX PROMPT 7 SELLER. XXXX XXXX XXXX XXXX. XXXX XXXX AS TRUSTEE. 

PROMPT 8. XXXX XXXX AND XXXX XXXX RECEIVED BY XXXX XXXX XXXX XX/XX/XXXX. 

OWNERS SIGNATURE UNCLEAR DATED XX/XX/XXXX. 

XXXX XXXX must provide me a clear answer. 

What date did XXXX XXXX XXXX XXXX XXXX XXXX as trustee make this purchased closing date final, and closed the deal with the XXXX family?
I submitted an application for a credit card stating a {$200.00} US Bank Rewards Visa Card would be issued after spending {$1000.00} in the first 90 days. I spent over {$1000.00} in the first 30 days and called in to see how to cash in on the {$200.00} reward. I was told by XXXX different employees during XXXX separate phone calls that the card I was issued was not attached to any cash rewards. The picture of the card on the offer and the card that was mailed to me that I used look identical. It 's a US Bank XXXX Visa Business Card. I had a credit of {$18.00} from reward % of my spending, I told them to close my account and send me a check for the {$18.00}.
Total Mortgage serviced a mortgage for a period of time in 2016 on my house. They have been unable to furnish my tax document for the interest I have paid. I tried calling them, their phone consistently bounces me to their sales desk with someone looking to take my personal information to have a loan officer call me back. They can not give me the number nor can they connect to someone in customer service. They say that they are giving me someone in customer service, but the phone number merely connects right back to the sales desk. This happened more than once. I got a call back from a loan officer and the number used was a local number. The sales rep was located in CT. I think that is a deceptive sales practice. I just want my tax document. It should have arrived by now.
I opened an account with Synchrony financial and they charged a activation fee for my new account. I called about taking out a loan with them first and asked about an activation fee and the customer service gentleman said that there was no activation fees
I got a loan because work was slow and loan was for rent. 
This was over 4 years ago I lost my job and became homeless could not get a job just 8 months ago I got on XXXX living with mom finally get on my feet still no job but getting progressI get a call from some office and it 's for ace cashLady talking to me like I 'm idiot until I got mad she said they taken me to court blah blahOk is this possible if so I want to fight these guys and old tactic they using that is illegal in CaliforniaSaying took the loan with intentios of not paying it backSo I said listen lady are a you mind read or whatHow can you try to tell me you know why I got the moneyThat 's what you said not meShe like I 'm not the bad guyI said yes you are I 'm not the idiotMy loan was for XXXX $ now they want XXXX $ Take me to court I said I do n't have it when I do I 'll pay what I borrowedBut she said I 'll give you 2 days to pay or they will send to courtGo head loan will be 7 years soonThese dept collectors need to be sued along with ace cashThey give money and charge you 3 times amount like a loan shark last I check that 's illegal wait tho if they take me court I 'll need to pay count fees tooGive me jail time I will not be apart of this ACE CASH scramWhat should I do
I have no knowledge of these accounts and need to have them removed from my credit report. I am just starting to clean up my credit and I realized that there were accounts that are not even mine. I have filed complaints with XXXX  but have not been able to do the same with XXXX. Their site is garbage. I really need help with this.
I 'm filling a complaint because I have an American express account I did not open, it is a result of identity theft or fraud. my wife opened the account without my consent or knowledge and when I found out and asked her to give me the logins an passwords she created for the account to access the account she refused, and she set the account up to get paperless billing sent to her private email address witch she also refused to give me access to. I called American express and notified them of the identity theft by my wife and asked they close the account witch evidently they did not and are continuing to send letters saying my account is past due, And stating my credit score as reported by XXXX has downgrade from XXXX to XXXX as result of pass due amount owed on this account witch I did open.
Bayview Loan provided a response to a complaint filed with Cfpb which contained inaccurate information : Stated Debt Validation was provided, but only provided THE EXACT SAME, original debt letter with a different date. Bayview then proceeded to immediately collect on the debt and provide Cfpb with a letter stating they addressed the issue. I have provided both letters, originally dated XX/XX/2017, and response to my request for validation, XX/XX/2017. You will notice both letters are the same. 

Bayview Loan failed to credit two payments as the date received, instead of misrepresenting the received date. I am providing proof of receipt of both XX/XX/XXXX and XX/XX/XXXX payments.
I received numerous calls & emails from CashCall ( the company ) to get loans. I needed the $ $ $ and I finally gave in and got into a financial situation ( 125 % ) interest and have been challenging the CashCall Inc. and finally they reduced the interest rate from 125 % to % 75. 

I was wondering if could get assistance from your organization to get a better interest rate from CashCall Inc.
I received a payday loan from XXXX XXXX XXXX for {$900.00}. I called them to arrange repayment in XXXX installments of {$310.00}, {$310.00}, {$310.00}, and {$270.00}. I was shocked to learn that they had lied, and changed the repayment terms to 20 payments of {$310.00}! That is over {$4500.00} dollars, an interest rate of 700 %. This is illegal in California as usury, but they claim to be exempt from State laws because they are on tribal land. This company has received hundreds of complaints and is banned from doing business in some states like Washington. Please help me, I did not know this company was engaging in fraudulent and deceitful practices. They outright lied about the terms of this repayment. They are preying on unsuspecting people who are desperate to pay their bills. They should not be allowed to be in business. I 'm sure you have received other complaints like mine. My daughter is very ill, I am paying all our expenses, and I can not comply with these outrageous terms. These people are liars and not to be trusted. I am changing my bank account so they can not take {$310.00} from me very 2 weeks, which I never agreed to. XXXX XXXX
I have an account with Discover. Recently I transferred three different accounts to my Discover account for no/lower interest rates. Because of this I have 4 separate interest rates ; 0 %, 4.99 %, 4.99 %, and 19.99 %. When I make a payment, the minimum payment goes to lowest interest rate and whatever I pay over the minimum goes to the highest interest rate. My problem is this ; the two accounts at 4.99 % are charging interest that I pay monthly along with the interest charge on the 19.99 %. Even though I am paying the interest charge on the 4.99 % accounts, Discover is adding the interest to my overall amount owed in the 4.99 % accounts. So my 4.99 % accounts are increasing every month. So essentially they are double charging me for the interest. I am paying it but they are adding it on my bill. My monthly statements can verify the charges.
This is an very old debt that is still showing on my credit when the statue of limitations have past for over 7 years.
I have been a cardholder with American Express since XXXX. On XX/XX/XXXX, I received a {$200.00} statement credit with a description of " XXXX XXXX XXXX XXXX '', see attached document. On XX/XX/XXXX, five weeks later, I received an email from American Express stating that " they have credited my account more than they should have ... '', see attached document. 

I called American Express customer service and ultimately spoke to XXXX ( ID # XXXX ) regarding this issue. She explained to me that this credit was given in error and that there were many cardholders who received a credit in error. She offered no further explanation nor did she feel it was the responsibility of American Express to provide further justification. 

If AMEX had made an error to only discover it five weeks later, as a valued customer they should NOT have penalized me for their error. What this company is essentially doing is penalizing their cardholders for their mistake. I have as well as many others I 'm sure have already appropriated funds received from this credit, so in essence, I am being penalized for their mistake.
Debt collector continues to call my family members daily even after they asked him to stop. He also disclosed private information about my debt to XXXX of my family members. And is using his name when he contacts other family members. Also calls my phone and their phones repeatedly throughout the day.
Date : XX/XX/2019 I got a card from Equifax, stating that " within the last twelve months we have received eight or more inquiries for your credit file. '' It also says that Colorado law requires them to provide me with a disclosure copy of my credit file when this happens. It give a toll-free number to call ( XXXX ) to get it.

So I call the number, and spend a bunch of time pressing 1 for this and 2 for that, just for them to refer me to a web site ( www.equifax.com/FCRA ). They COULD have saved me a bunch of time by printing the web address on the card, but instead they make me waste a bunch of time on the phone just to get it.

So I go to the web site, spend another bunch of time filling out the form. One of the items is Reason For Credit File Request. There are 8 choices, and none of them seem to apply to my situation, so I have to just pick one to proceed. I pass the challenge questions, then I get : " At this time we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX. '' So I call that number, and get the same automated voice response system that I got with the first number!

A total run-around. I'm entitled to a copy of my report, and they waste a bunch of my time just to not give it to me.
Transworld Systems has contacted me numerous times despite my telling their staff that I paid this debt directly to the doctors office and it is paid in full. There is no debt to collect, however they continue calling and sending letters.
I have an outstanding medical debt of {$560.00} reporting on my credit report. I never received a bill or any type of correspondence in regard to this debt. The details state that it was opened on XX/XX/2018. This is not my debt. I called the original creditor which is XXXX XXXX XXXX XXXX on XX/XX/2018 to verify the debt, and there was nothing owed in my name. It is on my credit report that Nationwide Recovery SYS has taken over this debt. I contacted Nationwide Recovery SYS on XX/XX/2018 to ask for debt verification and this company would NOT verify it via phone or US Mail. There was no proof provided to verify that I owe this debt, and I would like it removed from all three credit bureaus.
To Whom It May Concern : This letter is being sent to you in response to a notice sent to me. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that I physically signed that show I agreed to pay you what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Pressler and Pressler Collection Agency has been collecting monies on a debt way longer than they should. They received the debt plus plenty of interest to date. This case should be closed.