WillisBack/dataset-financial-user-claim huggingface dataset:
I attended the XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX FL and XXXX IL in the online course from XX/XX/XXXX until XX/XX/XXXX. I started out making very good grades and even Received a XXXX online XXXX XXXX XXXX recognition of outstanding academic achievement. As soon as we entered the " coding '' section of the course I started to have real problems and requested a tutor. I was told there was no tutor 's available for that particular section. My instructor also stated this was the section most people had a very hard time with and people ended up dropping out of the school during this time. I continued to struggle after getting no help and eventually had to drop out before I ran up loans and school bills for something that had absolutely no end or help in sight. So for being there for 10 total months and really did n't do much in XXXX on I ended up getting {$11000.00} in student loan debt. I was on XXXX while I was in enrolled in school. My first payment was XX/XX/XXXX. I questioned how I ran up so much in debt for an online course that I only dropped out of because they refused to try and help me and pretty much just left me behind and fail with no help at all. The school ended up closing and defaulted in many school debts. I have had a monthly payment of around {$89.00} a month but is now going up to {$110.00} a month. And I am scheduled to pay back {$4100.00} in interest and this is putting a financial strain on my household. I do n't think its fair that you could see I was a very good student making good grades and never missing online meetings or scheduled classes to all of a sudden going downhill with no help from a school that ended up closing its doors and not seeming to really care about the issues I and other students were having.
I got my loans from an institution called the Vermont  Student  Assistance Coorporation. First of all, they never specified to me before my freshman year of college which of their loans was private and which one was federally funded, as they offer both -- I applied for the private loans without even knowing that it was. I also believed -- because one of their loan officers told me -- that I would n't have to start paying my loans until 6 months after I graduated. I graduated 1 year ago, and I received my first bill before I even graduated. They had stacked all my payments so that my monthly bill was almost {$2000.00}, and they wanted the first payment the day of my graduation. Now, 1 year later, I 've been trying to get VSAC to lower my payments or separate them back into individual loans to pay them in a way that is more practical for me. I 've had to defer these loans almost every month of this last year. I have been told my multiple loan officers at VSAC that my stacked loans can not be separated, and I have no other option then to make the full payment every month -- they tell me that is the only thing I can do. Having only gotten a full time job for the first time after graduating 1 month ago, there is no way I can pay close to {$2000.00} a month -- I do n't know how they can expect anyone to make a payment like that. I am reporting this not only because it is making my life very difficult, but I ca n't be the only person who has their student loans through VSAC who is going through this. I would like this investigated, not only for myself, but also for others who  may  be going through the same thing.
I was placed in collection by XXXX XXXX. they contracted Allied Interstate collection company. I had trying to contact XXXX XXXX couple time, I left voices main and my imformation, in order to resolve this issued. I have paid all the balance remain from that units. also ALLIEDI NTERSTATE, not want to accept any documents they want to inforce any potential force about report to the my personal credit files.
I do not owe this company a dime, I have disputed and requested validation and nothing has arrived. Please help me
I was beyond on payments with Dovenmuehle Mortgages company back in  XXXX . I was told to pay  XXXX  to the attorney to reinstatement my loan, which I did, but then I discovered the amount paid was an over payment. I was then to by  XXXX , that I would be expecting a refunded of {$490.00}. I spoke with  XXXX   XXXX  on several occasions about the money owed to me, which I am still owed {$140.00}..      XXXX  told me the fee of {$140.00} was never included in the reinstatement letter, and that he would work with the foreclosure department to have the fee waived, because the company is unable to charge me for a fee I knew nothing about. It is now  XXXX / XXXX / XXXX  and I have yet to receive the money.     Also, back in  XXXX  I mailed a {$10.00} money order to start the forbearance plan to save my home, and that money was received by Dovemuehle but never applied to my account..     I would also like to mention that this company is the worst to deal with and I truly hate them for what they did to me from start to finish. They also tried to charge me {$9600.00} to reinstate my loan, when I only owed  XXXX  to bring the account current including the attorney fee 's. I feel like they were forcing me to lose my home.     As of today I am owed a total of  XXXX  and I would like my money back. Thank you!
regarding account : XXXX account number XXXX. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further. If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
APPLIED FOR PAYDAY LOAN FROM WHITE HILLS CASH AND XXXX BOTH COMPANIES HAVE CHARGED OUTRAGIOUS INTEREST RATES. UNABLE TO PAY THESE.
I have had a loan with XXXX XXXX - Navient since XX/XX/XXXX. There were times in there was in a low paying job I was never offered income based repayment they just kept stacking up charges on me. 

I looked on XX/XX/XXXX I have already paid over half the principal on one of the accouts, but still owe more than half of the principle on that account do n't understand why still owe more than half when I have already paid more than half. I have had this account for over 13 years now and was told to get forgiveness. I would have to take out another loan and stay over again and pay for 10 more years.
I have been behind on several payments due to being unable to work and living solely on XXXX pay with my wife and XXXX kids. My wife is my XXXX through the XXXX so she cant work but is a XXXX and has filed as a XXXX through the XXXX. We are waiting on those results. All 3 loan mod payments were made in the month agreed except for XX/XX/XXXX, which was made a day late on XX/XX/XXXX. I spoke with PennyMac about this and was assured everything would be ok. I have also been in contact with a HUD company called XXXX XXXX XXXX XXXX XXXX which tried to send a third party request to stop foreclosure. PennyMac did not. This is my XXXX coordinator in which when she talked with PennyMac was lied to about everything. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX HUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Please note we moved to the XXXX XXXX  XXXX, AZ XXXX ( XXXX ) XXXX Main ( XXXX ) XXXX Direct ( XXXX ) XXXX Fax Here is the agreement and PennyMacs own payment statements for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please help. I have a hard time with day to day activities and XXXX kids who depend on me. Finances have recently freed up about {$1200.00} so my mortgage should not be an issue making.
Requested Equifax, XXXX and XXXX multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form XXXX show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached Equifax credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( XXXX )
Opened checking & savings account online with Capital One Bank ( '360 Account ' ), received approval / welcome email. Transferred {$500.00} to new checking & {$20000.00} to new savings account ( funds electronically transferred from my credit union account. 
Went to log on to new Capital One account and received message I can not log in and needed to call the provided customer service number, so I did. 
after taking 15 minutes to get to an agent, they told me I was refused a new account. I asked why and they said they could not tell me. They transferred me to 'Customer Security ' department ; same thing, refused and no reason provided. 
I requested all funds be returned to my credit union account. 
It is now 2 weeks and 6 phone calls since opening the account, I do not know why I was refused, and I still have not received my funds back. 
I will try calling them one more time then seek legal assistance.
I recently filed a complaint about XXXX XXXX XXXX a Division of MidFirst Bank on XX/XX/2017 through the Office of the Comptroller of the Currency. My issue was that they would not release funds for me to rebuild my home after a category three sewage problem damaged my home on X/XX/2017. Finally in XX/XX/XXXX after I submitted my complaint they began to release the first payment. The problem with that, was they sent the check in the name of the Contractors buisness and I was not able to prevent any fraudulent action or actions from taking place. I did not know if the Contractor would take my money and run!!! When I addressed my concerns to XXXX XXXX XXXX, they said that only the first check would be in the Contractors name the rest would come directly to me so that I would be able to dispense the money as needed. After the work began and I needed more money for materials, XXXX XXXX XXXX said that they needed an inspection of the property. The inspector came and did his job and submitted his findings, which were satisfactory to XXXX XXXX XXXX. As it stands I expressed my concerns about allowing someone to control my funds to rebuild my property!!!! The Mortgage Company insist this is how it will be done until the Contractor states that he is finished with the property. I feel as though the Mortgage Company is committing an Nefarious Act against me, this is my home and it is in my name and I still pay a mortgage on this property. I have no say in anything as far as the Mortgage Company is concerned ... .it is not fair and truly unjust. In today 's society we have to constantly stay aware of those we believe we can trust. It took my life to own my home and I am not willing to allow someone to take it all away from me because of an Nefarious Act that is being committed against me. Respectfully Submitted I would truly appreciate your help concerning this matter!!!!!! Thank You
I filed Chapter XXXX Bankruptcy on my XXXX XXXX XXXX XXXX XXXX and the balance of {$79000.00} was discharged XX/XX/XXXX. I have been maintaining the payments in order to keep the property. In XX/XX/XXXX. XXXX XXXX  XXXX sold my account to Select Portfolio Services and now they are calling me, requesting payment. XXXX XXXX XXXX told me that they would have to follow the same laws and could not call and harass me. I informed the last representative that I filed bankruptcy years ago and that they are not allowed to call me. 
This representative, XXXX XXXX, said that they are allowed to continue to call me as long as I keep the property. I spoke with an attorney and was advised that they are NOT allowed to call me and request this debt. I have also received bills from them informing me that I am late! They have called me multiple times a day and even on a Sunday before XXXX XXXX!!
I am currently on the PAYE ( Pay as you Earn ) Plan through FedLoan Servicing ( PHEAA ). I was emailed information to recertify my plan and began the steps to do that. A few days after submitting my materials, I received an email that my application was incomplete ( received email on XXXX ). That same day I received an email that I had a direct debit payment of almost twice my normal payment scheduled to come out on XXXX. I immediately went to the website to see what was going on. On my main page it was listed that my payment due on XXXX was {$0.00}, but that a direct debit for {$180.00} was scheduled to be taken out. I had never scheduled more than {$100.00}. As I was on the website, I kept running into errors and it kept booting me off. I went through my paperless inbox, where I received yet again DIFFERENT information ( that a payment of {$160.00} would be taken out on XXXX/XXXX/17 ). I called up the customer service hotline and spoke with a representative that same day because I was getting frustrated and worried about the security of my information on their website. The customer service representative tried to be helpful and recommended we suspend the next direct debit, even though she believed it was just a technical glitch on the website and that money would not be withdrawn from my account. She told me that they were having a lot of technical issues on their website and did n't know what else to do, she was sorry for the inconvenience, etc, but that they had a lot of problems. She also reassured me that my application for recertification was complete. At the end of our conversation she assured me I would receive an email specifying that my direct debit suspension had gone through within 2 days, and another email that my recertification was processed before the XXXX. Today ( XXXX ) I had still not received confirmation and so I went onto the website yet again. This time, I was slated to have a {$100.00} direct debit on XXXX. Yet again, while trying to navigate their portal, I encountered several errors and was booted 4 times within 15 minutes. I was finally able to cancel the direct debit through the site and received an email seconds later confirming.
A circuit court public record #  XXXX  popped up on my Equifax credit report TODAY  XXXX   XXXX ,  XXXX . The account shows a report date of  XXXX   XXXX . I have received several credit reports directly from Equifax in  XXXX  and this erroneous public record has NEVER been on any of them. I have no knowledge of this public record and Equifax is reporting this negative account a year later. Equifax has a section designated for public records, and this public records did not report as of  XXXX   XXXX . We are in the year of  XXXX , I have no knowledge of this year old account.
Mother passed away in XXXX of 2014 with a mortgage with PNC Mortgage. We were unable to pay it as we were awaiting probate and access to her funds. The mortgage company would not talk to us because we were not authorized but they were notified of the situation. By the time we had access, the account was sent to foreclosure and we were forced to pay a large penalty to get the account back into good standing. We have since sold the house and paid off the mortgage but feel it should have never been transferred to foreclosure as we in good faith did all we could under the circumstances. We would like to recoup the money that we paid that was above and beyond the normal mortgage amount.
I am writing to dispute the following information in my file XXXX XXXX  The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX bank XXXX and XXXX
For the last few weeks, we have gotten numerous calls, from Navient. They ask for a person named XXXX XXXX. I tell them no one by that name lives here, and to please take my name off the list. They agree they will, then the next day they call again. This has happened at least 4 times that I remember. 

Today, an operator named XXXX told me that XXXX has given them our number as a contact. I said, " So you can contact him at another numer, why do you keep calling me? '' She refused to answer. 

She called from an office in XXXX, and from Navient 's website, I see they service student loans from that office. Her supervisor is XXXX XXXX, XXXX Collections Manager.
Received unsolicited prepaid card by mail on XX/XX/2018. cardholder agreement under fee schedule states '' If you do not register your card and your card remains inactive, we will access the Account Maintence Fee Listed below beginning 90 days after the date the card was acquired. '' called to remove account but was an automated call with no way to verify it was removed. E mailed to the listed email address to decline card but address was invalid.
XXXX XXXX filed a Chapter XXXX bankruptcy in an attempt to modify the mortgage with Wells Fargo Bank on his primary residence and avoid foreclosure. He submitted the necessary documents through the DMM portal and was denied based on his ability to make the original mortgage payment. He appealed the denial and the appeal as denied without specifically addressing the issue of mortgage affordability. Additionally, XXXX XXXX XXXX business failed and he struggled for several years before finding his new job. It appears that if he had a lower paying job that the mortgage could be modified. It is not the payment that is the problem but the arrearage that has built up while he was not employed.
Wells Fargo , whom we do not and never have held a mortgage with, erroneously paid our   XXXX     XXXX   XXXX   property taxes and is seeking reimbursement. I confirme d Wel  ls Fargo m ade the payments with the   XXXX   XXXX   XXXX   XXXX   XXXX  . On   XXXX    , a  Wells Fargo  Claims Processing Representative explained our tax ID # is similar to  one of Wells Fargo 's customers ( differs by a digit ), thus, Wells Fargo paid our property taxes in error. Based on internet research, Wells Fargo has made many errors in regards to property tax payments.
American Express has retaliated against for filing a dispute against them for disputing the two charg es for  XXXX   XXXX . They have been harassing me. They did n't notify me of any results of the outcome of the disputes. They have been asking me to submit all of my personal and business related financial statements to include Bank statements to which I used to make payments with on the accounts. I told them I had would have trouble getting them the information due to the fact that the bank accounts I used have other signors on them. I called  XXXX  merican Express and  cancelled the   XXXX   XXXX   XXXX   ending in  XXXX  #  XXXX   XXXX  {$2000.00}, and the personal   XXXX   XXXX   ending in  XXXX   XXXX . Under the  XXXX   XXXX   XXXX   XXXX  I am protected against " undelivered goods ''. The  XXXX  disputes I have with  American Express   XXXX   XXXX  {$2000.00}, and  XXXX   XXXX  {$2000.00} that I am being billed for that I never received the services/goods from the merchant. I provided them with numerous evidence that I did n't receive the goods and services from the merchant. I have tried to state this t o American Express n umerous times. They have proceeded to harass me and put me under a financial audit demanding all of my financial records which contain confidential information. I never received the goods/services from Madwire Media relating to the disputes with  American Express   XXXX   XXXX  {$2000.00},  XXXX  {$2000.00}. I showed  American Express evidence and proof of this. They have done little to investigate thes e allegations or provide me with any documentation or results. They have escalated the situation by asking for a financial audit. And have used improper language against me over the phone and have used discriminatory  XXXX  terms against me on numerous different phone calls with them attempting to resolve this. I am requesting that  American Express  stop their demanding  XXXX   XXXX  against me and stop demanding bank statements and financial records. I am requesting th at American Express  issue me credit back for the Disputes  XXXX  {$2000.00}, and  XXXX  as I did not receive the goods and services from the merchant. I am requesting that  American Express to s top harassing me.    XXXX   XXXX   XXXX / XXXX /  XXXX
Wells Fargo opened a fraudulent account in my name and charged me fees for it. They have also shut down accounts i have in good standing for years because of one missed payment in which i was investigating due to the fraudulent account. I would like to have these accounts in good standing ( non usable ) at a lower interest rate due to the fraudulent account. If they are closed as derogatory this will affect my credit and since i am in the business of XXXX this will have a great affect on my career.
NAVINT has a debt against me. my concern is XXXX calls a day. despite the fact that i have stated I am unemployed to NAVINT. My further concern is these calls take place before and after times regulated by the federal government for debt collection. now they are calling my former employer, which I understand to be against the law. they also call my parents who never co-signed a loan. I have provided my contact information to NAVINT, yet they persist in contacting persons not responsible for my debt. I had a contract with NAVINT 's parent company XXXX XXXX ; which called for {$500.00} each month. this was a modification of my loan payments. before a year of steady payments was completed, my debt was transferred to NAVINT. I accuse NAVINT of violation of basic contract law, XXXX XXXX has transferred the debt to them in order to breach a valid contract. NAVINT is now intends to foreclose on my student debt. I request a single point of contact from NAVINT and a repayment plan via US Mail, which they refuse to consider an acceptable form of payment. 


XXXX XXXX
I have disputed credit information for some time. I have now provided you with information on the mortgage company under complaint # XXXX credit bureaus are not conducting an investigation, even though I have provided them with documentation that the information they have is incorrect. 
I have challenged wrong accounts XXXX times. 
They only wait for the company to respond and say the information on the account is correct, and do nothing more.
Online I went   to www.AnnualCreditReport.com to get the one free credit report per year that citizens are entitled to by law.  XXXX  provided this free report online with no problems.
MY COMPLAINT :  XXXX  and Experian both would not provide the free report ONLINE. Their websites told me I had to use snail mail to provide them with paper copies of my drivers ' license, social security card, letters showing my address, lists of past addresses, employment verification, etc. and only then would they snail mail my free credit report to me. In other words, Experian and  XXXX  put up every possible roadblock to make it difficult to obtain the one free credit report per year that citizens are entitled to by law.
MY REQUEST : Please make   XXXX   and Experian comply with the law and provide citizens with one free credit report per year ONLINE like  XXXX  does.
Thank you
On XX/XX/XXXX I opened a 360 checking account with promotion code : XXXX. This promotion is for a {$300.00} bonus for opening a 360 checking account account with Capital One and making two direct deposits of at least {$250.00} or more within 60 days. I have met all the terms outlined in the promotion, but have not yet received the bonus. I contacted Capital One and they have informed me that I will not be receiving the bonus, with no explanation. Account Opening Date : XX/XX/XXXX {$250.00} Direct Deposit : XX/XX/XXXX {$250.00} Direct Deposit : XX/XX/XXXX The terms of this promotion are outlined clearly and I have met all the requirements.