WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to track down my student loan debt with navient once it moved from under XXXX. Due to awful communication and customer service from Navient, the debt then was moved to collections under General Revenue Corporation. They had an old address that I have not lived at for over 3 1/2 years and were sending letters to that old address which were of course not forwarded anymore. So, they started calling everyone and anyone they felt was associated with me. They had my phone number and email correct just the wrong mailing address. I find it harassing and professionally embarrassing that they were calling people who I do n't even know that they had marked as " possible associate '' on their call list. They finally called collegue over at the White House, at the EOP, how mortifying! He emailed me today about it and I resolved the issue with General Revenue Corporation. I am going through my security clearance renewal and have an upstanding reputation in my Federeal community and this is just, very very unnerving. I feel that General Revenue Corporation overstepped all boundries in acceptable methods of contact, calling people I do n't even know and collegues I rarely see. My current address is easy to find online and via DMV and public records. I went through this very long list of people that GRC had on my file as " possible contacts '' and did n't even know some of them! Creditors should not me randomly calling people who may not even know you or who may only be professional colleagues to try and contact you regarding debt. It is inappropriate and harassing behavior that can also lead to negative professional ramifications. 
I 'm happy to provide a dozen contacts as long as creditors like General Revenue Corporation do n't make up a random list on their own using whatever random methods and call professional colleagues at the White House. Especially when they can find my current address easily as a matter of public record.
Chase is reporting XXXX missed payments and charge off on name as authorized user I never put myself on an acct please have them remove from that acct asap thank you
I have a loan with XXXX/Toyota financial. I have had this loan since XX/XX/XXXX. I am XXXX XXXX military and I set up an allotment for this loan. Since XX/XX/XXXX this loan has never been late. I have not stopped the allotment or changed the allotment. The payments have been coming out on time. All of the sudden for the XX/XX/XXXX payment XXXX sent me a text ( no phone call ) XX/XX/XXXX stating that they have not received a payment. I pulled my XXXX and called. I explained to them that this allotment has been ongoing for 5 years and I have not stopped or changed the allotment. On my LES it shows where the allotment came out. The personnel in military sales would not even speak with me. They spoke to me through a representative that put me on hold to contact my finance office. XXXX basically blew me off. Then I called back and asked to speak to a manager I spoke with XXXX agent ID XXXX she said she would look into it. All of this happened XX/XX/XXXX. I still have not heard from XXXX. I called back XXXX XX/XX/XXXX and was told that I could not be transferred to XXXX. I also contacted my finance office and as I already knew they showed me where the payment was sent to XXXX. XXXX has my money and is saying I have not paid.
It has come to my attention, after receiving a notice of wage garnishment from the U.S. Department of Education, that GC Services has made a significant error while managing my student loan account. Although I completed GC Services loan rehabilitation program in XX/XX/XXXX, the system never sent my account to a non-defaulted servicer. I have the original letter from CG Services dated XX/XX/XXXX confirming completion of the rehabilitation program I enrolled in the month of XX/XX/XXXX. GC Services, in error, returned my account as delinquint to the Department of Education, who in turn submitted the account to collections through XXXX XXXX XXXX. Since receiving the completion letter from GC Services dated XX/XX/XXXX, I have not received any notifications or letters from them regarding my account or its status and assumed they were still taking automatic payment on my loans, which they were not. 
This error has occurred secondary to prior negligence on GC Services behalf in processing multiple automatic payments incorrectly in XX/XX/XXXX. Automatic payments were set up on the account and began on XX/XX/XXXX in the agreed upon amount of {$56.00} dollars. Per GC Services, a typo was made when they entered my payment into their system, which led to only a {$5.00} payment being drafted from my bank account. I spoke to them multiple times to resolve this issue as soon as I became aware of it. GC Services acknowledged the error on their behalf and assured me it would be remedied and that it would not lengthen the 9 month period that our agreement had stipulated for rehabilitation. I also reported the circumstances and GC Services negligence to the U.S. Department of Education. On XX/XX/XXXX, GC Services sent the U.S. Department of Education an apology that acknowledged an error on their behalf in processing my payments. 
I spoke to the U.S. Department of Education on XX/XX/XXXX regarding the status of my loans and the negligence of GC Services. They confirmed that although my account was sent back to them by GC services for delinquency in XX/XX/XXXX that the Department of Education would not have notified me of the default at that time because they originally notified me back in XX/XX/XXXX when it initially went into default. I was advised that my only option at this point, as GC Services is no longer the collecting agency, is to request a hearing with the U.S. Department of Education and forward them all of the documentation I have saved from GC Services. While I was unaware that GC Services had falsely reported me as delinquent to the Department of Education, my credit has been impacted negatively and I am accruing delinquent charges and extra interest on my loans.
I contacted Aargon collection regarding an account that is not mine I have several times and they do n't respond with accurate time, also they never showed me proof of the account with any validation o requested copy of Identification, signed contract and any other forms. I received an email after I disputed the account which I do n't feel it 's save on the web. The company just ignored my request.
I received a call from XXXX with Sunrise Credit Services on behalf of XXXX. Stating that I owe XXXX plus dollars for an account in collections. If I dont make the payment immediately legal action will be taken. I explained that I have lived at the same address since coming into the country and I have not had cable services since receiving my SS # in XXXX 2015. I sent them a letter requesting to verify that the debt is mine. I have yet to receive, this information. I have never used my bank accounts to pay XXXX anything, I have never had an account with XXXX. Im not sure if ss # are recyled or not but Ive been having the same issue with aother accouts appearing that have nothing to do with me. I have supporting documents from the FTC and XXXX Police Department.
I closed my XXXX card account in XX/XX/XXXX. At the time of closing my account, I was told the fees would be waived and balance would be updated to XXXX. I called again in XX/XX/XXXX and was again told that the fees would be waived and my balance would be updated to XXXX. I've attempted to dispute the charges via the three credit reporting agencies. XXXX continues to report my account as late and charged off. However, the balance consists of fees that were supposed to have been waived.
I have a New servicer " PNC Mortgage '' recently servicing my loan. I read a Law that says " an automatic cancellation of PMI '' would be triggered if my mortgage pricipal balance drops to 78 % of my original principal balance. Currently my principal balance dropped to 76 % below 78 % required to automatically cancelled my PMI. I called PNC mortgageXXXX and they are asking me to reappraise the property again even though since I bought the property 2 years ago ( XX/XX/XXXX ) real estate prices went steadily up in the 3 % range in the XXXX XXXX AREA and PNC mortgage wants me to reappraise the property and wants me to pay them {$XXXX} check up front and it is their appraisal who would appraise the property and I do not have a choice. 
For my mortgage INFO : Original appraised value at the time of closing ( XX/XX/XXXX ) :XXXX Money I have put down:5 % Mortgage principal balance at the time of closing:XXXX Current Mortgage balance as of ( XX/XX/XXXX ) :XXXX
I believe Wells Fargo should not collect a fee on an equity mortgage application until the credit has been approved as my wife and I are told we have to wait 30 to 45 days for a refund. We have some money, so we can wait but what about people who are broke and apply and are put in the same situation as the fee is over XXXX dollars. The following is what happened : On XX/XX/2018 my wife and I applied for a home equity loan against our newly built fully paid for home. XXXX loan with XXXX home value. After two weeks on XX/XX/XXXX were told to pay a fee of XXXX to allow the process to continue and were told the loan should go through by XXXX XXXX, which we paid.. I was told to call the bank the morning of XX/XX/XXXX and found the loan had been declined. I would like the XXXX back, as I believe the bank should have told us prior to paying a fee, the loan was declined. No appraisal was ever performed. I believe the fee was requested just to collect money. The bank should not collect any fee until the loan is approved.
I applied online for a Chase Sapphire Preferred card and was approved. I applied directly from the Chase website after seeing the offer for XXXX bonus points and no annual fee for the first year. I received my card several days later in the mail and logged onto the Chase website and I saw that they had charged me the {$95.00} annual fee. Confused about this I called Chase and was told they did not have the power to remove the fee and said the application code on their end showed that the fee would be charged. I asked to speak with a manager who said they would escalate the issue. 


Today I received a voice mail from Chase again saying they could do nothing to remove the fee have a nice day etc. Is there anything at all I can do about this? The application link I used was directly from the Chase website and clearly showed no annual fee for the first year.
Trans Union Credit Score Request : On XX/XX/18 I was trying to get my credit score from Trans Union by logging into their website. They charged me {$19.00} for a membership that I didn't want. When I called to complain they said that at the side of the web page ( it is actually on the bottom ) was a small notice that I would be charged {$19.00}. I did not see this. There was a request for my credit card information which I believed was needed for either identification verification or to charge for the credit score but I assumed I would have to agree to any amount being charged for the service before proceeding further. 
While the website showed my credit score and a credit report, which seemed rather sparse on information, there was no way to print the report or my score other than doing a print screen making it less than convenient to document either of these. 

I received a charge on my credit card but no confirmation of the service from Trans Union. After my phone call ended I received an email " confirming '' my request to stop my subscription which is completely different language than what the agent told me on the phone which makes it all very confusing as to what service is being offered. 

I feel their website is deceptive and is trying to scam me out of my money. As it is, the whole credit rating and credit scoring industry doesn't serve consumers best interest.
Continental Finance LLC, account ending in XXXX <P/>A dispute was filed for a charge in the amount of XXXX, XXXX on or around XXXX XXXX, 2017.  The item, a Mens XXXX watch, was not in package when received. The merchant provided a response which was not received in time for me to respond in the allowed time frame. The dispute dept advised me to go ahead and reply to the merchant response once they emailed me a copy of it. The merchant response is false/inaccurate as it refers to an order sent out in XXXX of 2017, a month BEFORE I placed the order. it was shipped to a XXXX XXXX in XXXX, NY. My name is XXXX XXXX and I live in Connecticut, obviously, this information is false and inaccurate as previously stated. I do not believe I should have to write in a detailed letter to disputes dept explaining these inaccuracies, however, I did so anyway and response was received on XX/XX/XXXX. It was not received in time as again, I did not receive the information in time to respond by due date. The case has been closed in favor of merchant even though I did not receive item. I 've attempted to resolve matter with disputes dept, however, reps refuse to do anything further. I believe they should have seen the info provided from merchant is false and inaccurate and do not need me to write to them stating so. I refuse to pay this charge and needs to be credited OFF the account. The merchant also references a replacement XXXX watch, which is not what I ordered and was placed a month BEFORE the charge on XX/XX/XXXX. The bank has been making numerous harassing collection calls due to a missed payment, the bank account information provided for auto pay had to be corrected, I believe a number was missing from account. They also need to stop calling me
XXXX XXXX XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX
Purchased custom kitchen cabinets through XXXX XXXX, CA Home Depot Store using a Home Depot ( CITIBANK ) Credit Card back on XXXX/XXXX/XXXX. After almost 1 year of non-completion of the job, we filed a formal credit card dispute with Home Depot ( CITIBANK ) Credit Card Services on XXXX/XXXX/XXXX. As of today we feel that our case is being purposefully delayed due to Dispute Team Member " clerical errors '' and they are unable to commit to a date in which we will receive our " FINAL RESOLUTION LETTER ''.
I applied online for a Barclay Bank Visa card as part of a program through XXXX to finance a new computer. They have never sent me so much as an invoice, let alone the actual card. I 've not been able to make any payments online because you need the card number to set up online payments. The only thing I know is the last XXXX digits of the card, because that was in the first email they sent me. When the account is in arrears enough, I get an offer of a payment plan, and can sign in using the last XXXX digits of the account to make a payment. Once you make a payment, you can no longer sign in that way and have to wait to be in arrears again. I have been able to make XXXX payments, and my credit score is plummeting because of this. The only way to contact them is over the phone ( I have XXXX and ca n't use the phone ) or at a mailing address. I wrote them a letter XX/XX/XXXX asking for their help and received no response of any kind.
Received a call from Collection agency saying I had not paid my Wallmart credit card in the States. I contacted my local police and reported here in XXXX. I ran an XXXX on myself and confirm that I have been a victim of Identify fraud. I was informed to contact the US as well. I do not live in the states and have only travelled there twice in twenty years. 

Thank you
I flooded in Hurricane Harvey XX/XX/XXXX, I decided to rebuild and act as general contractor. My home is complete and we are moved in. I used all of my savings to rebuild. My Mortgage Company Loan Care is hold an insurance check of {$57000.00}. It has been more than 2 months ( Since XX/XX/XXXX ) and I don't have any insurance check in my hands. I am not past due 3 months past due and I fear that Loan Care will foreclose on me soon. My home passed final inspection XX/XX/XXXX with a 100 % complete and Loancare does not release funds. At this moment they don't know when Corporate Loancare will release funds.
I been trying to get a credit card for the longest. I never had one and every time I sign up I get declined. I want to have a chance so I can build my credit. So can y'all please help me thx.
on XXXX/XXXX/17 I sent a Money Gram to a XXXX XXXX out of Kansas city Mo. For an SBA grant program. The name of the person who told me to send {$300.00} via money gram is XXXX XXXX XXXX out O, Oregon ( not sure of the city ), XXXX XXXX XXXX pick up the money and ask me for more money the next day the amount {$850.00} which I did not send. After I ask for a refund he would not comply. Finding out that this was a scam through Faceboook ( other person involved is XXXX XXXX of Oregon also. 

XXXX XXXX XXXX claims that he works for the SBA Federal Grant Program, Which helps people pay their bills. All I need is help so that I can get my money back and also file a report with the FBI. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Hi my name is XXXX,, I have attempted to contact Equifax regarding 3 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Equifax has failed to respond to my dispute letter sent on XX/XX/2018 and received by Equifax on XX/XX/2018 Equifax has failed to respond to my dispute letter within the fair credit reporting act 30 day response time deadline. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit. 

These unverified negative accounts which ave been copied, notarized and sent via certified mail with proof of delivery have not been verified within 30 days of receiving in accordance with the FCRA 30 day deadline. 

Ps : I noticed it said I shouldnt write any personal info!! If you do need any personal information to help this situation please contact me I have all documentation ready. 

Below there is an attachment of 3 separate photos providing proof of sent disputes to Equifax on XX/XX/XXXX XXXX
I have recently been a victim of identity theft and as I went over my credit report I came across this account Gentry Fin that I noticed does not belong to me. Identity theft has drastically effected my lively hood and life and im asking that this account that I have no knowledge of or did not open to please be removed and deleted as it has been reported as Fraud.
To Whom This May Concern, I have written multiple letters for verification of this debt requesting a copy of ; Agreement from the client that authorizes National Credit Management to collect on this alleged debt, An agreement reflecting my signature that confirms my acceptance of obligation, & A full and clear explanation of how you calculated the debt. 

I have also reached out to the Credit Beaus for assistance and I have yet to receive the requested forms of verification regarding this debt. Upon personally investigating this company. National Credit Management at location XXXX XXXX XXXX XXXX. XXXX XXXX, Mo XXXX is NOT registered with the Secretary of State of Collect in the State of Texas. This is a requirement to collect ANY debt in the state of Texas. Company can not provide requested documents for verification. please delete
XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with Equifax and XXXX. 
My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.
I have received numerous phone calls from Penn Credit Corporation, or at least that is the name they say they are. The number is XXXX. I have received countless voicemails trying to collect a debt. I do not have any debts in collections, and when I asked these morons who they were calling for, they gave a name that is not mine. These harassing phone calls need to stop.
Paid Loan In Full on XX/XX/17 with MoneyLion. Contacted company, via e-mail, to cancel my " membership '' fee to MoneyLion Plus, but was told that I needed to reach out to a " specialist '' to cancel. I used the exact same e-mail address that was sent to me to acknowlege that the prior " membership '' had been processed.
A complete package was sent to Chase for review on XX/XX/XXXX. I confirmed receipt that all of the documents were received. A follow-up call was made on XX/XX/XXXX and they stated the file was under review but a sale date had been set for XX/XX/XXXX. On XX/XX/XXXX we were told that the sale date would be sent for a postponement. When we called again today to check on the postponement we were told that the file is in underwriting for review and they have up to 30 days for a response. XXXX stated that we may get an answer in 10-14 days, but the sale is still scheduled for XX/XX/XXXX.
In XXXX I noticed that my credit score was improving. I looked into Equifax for 1 dispute. For {$2800.00} it was my dentist ( XXXX. ) who was paid in full through my insurance so I sent all my info to equifax. I looked a couple of months later to see if my dispute was resolved and noticed my score dropped 80-90 points. A couple of weeks ago I heard equifax was hacked, and last night I looked into it. With some hesitation I checked with equifax to see if my credit was compromised because of being hacked and they told me Yes. This is so unfair I was working to build my credit, after a long illness and now all they can do is monitor it. In XXXX I owed {$500.00}. That 's all. All my student loans where paid and now I do n't know what to do. I wanted to buy a home and due to the fact that equifax, my credit score is terrible.
InXX/XX/XXXX I learned of Contract Callers, a collection agency reporting on my credit report for a past due bill owed to XXXX XXXX XXXX ( XXXX ) in XXXX Arizona of {$260.00}. I contacted Contract Callers on XX/XX/XXXX and was informed that Contract Callers had just acquired my file from XXXX in XX/XX/XXXX ; the contrary said to Contract Caller 's reporting on my credit report as of XX/XX/XXXX. The same day ( XX/XX/XXXX), I made an initial payment, followed by two subsequent payment arrangements for XX/XX/XXXX, and XX/XX/XXXX to bring the balance of XXXX to current ; to which I fulfilled the payment agreement. 

I contacted Contract Callers towards the end of XX/XX/XXXX to request in good will my account be removed from the credit report as I knew the account to be older than seven years from date of first delinquency on XX/XX/XXXX, Contract Callers refused to remove the collections account from my credit report. 

On or around XX/XX/XXXX I felt I had recourse through XXXX   by filing an online dispute requesting Contract Callers be removed and/or deleted from my credit report for failing to report accurate account information. To which XXXX  failed to perform a thorough investigation or else they would have discovered Contract Caller 's re-aging the collection account open date of delinquency to XX/XX/XXXX to enable Contract Callers negative reporting, thus continuing to affect my credit buy malicious oppression. As of current date, Contract Callers continues to report this negative collection account on my credit report and any attempt to seek relief of an investigation by XXXX, they are of no avail in simply asking Contract Caller 's " to certify '' they are accurately reporting/providing XXXX with true information.