WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have 4 separate student loans that I have been paying on for years with XXXX, XXXX, wells fargo and XXXX XXXX XXXX, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with XXXX and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with XXXX XXXX XXXX just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, wells fargo increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with XXXX of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, XXXX said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter XXXX
I was notified on XX/XX/18 that a debt with XXXX was verified and the company sent me documents as proof with someone else 's name, address and vehicle description. The contract also has the name XXXX on it and not XXXX. I have tried numerous times with certified letters to get this resolved with the company itself but it continues to report false and incorrect information on my credit report and keeps sending me documentation with inaccurate data showing it belongs to someone else. There is no validation or verification of identity.
I started with XXXX XX/XX/XXXX consolidated XXXX credit cards which collected {$750.00} each month the contract stated that XXXX payments and XXXX will be complete, I want a audit on myaccount from an outsider to check if they collected correctly. I paid an extra payment of {$830.00} XX/XX/XXXX which should have beencomplete XX/XX/XXXX My total payments where XXXX months.
I 'm currently dealing with a situation the mortgage lender, Ocwen. I received a statement dated XXXX XXXX, XXXX from Ocwen whereby there was a fee of {$300.00} charged for what the company says was for a valuation of the property. My son, intervened on my behalf to inquire why was the charge there, and when, if any valuation was done, what was the date? In addition, my son, who I granted authorization to work on my behalf with Ocwen, questioned the company about the valuation, ie. what company performed it and was there a report written, he was told that the information was not available and they could not tell him the actual date of the valuation. Furthermore, on the date XXXX XXXX ) in question when a valuation was supposedly done, I was at my residence and did not notice anyone performing such valuation. The entire conversation with Ocwen, when my son was on the phone with them was vague and not much information was shared. In addition, a request was made to speak to a supervisor to which the response was, " none were available at this time. '' My son asked was there another office that he could contact so that he could get to the bottom of the {$300.00} fee, and again, he was told " no. '' I do not believe this fee is legitimate nor fair since no one from Ocwen can tell me when and why the valuation was done on my property. In addition to the {$300.00} fee, there have been other fees that Ocwen has been charging me in the form of inspections at {$25.00} per, however, I do not have those older statements.
i have filed numerous disputes and complaints with Innovis on  XXXX  fraud accounts that are reporting on my credit report that need to be deleted from my credit file as fraud for accounts  XXXX  #  XXXX  {$1600.00}  XXXX  #  XXXX  {$1100.00}   XXXX   #  XXXX  {$900.00} and  XXXX  #  XXXX  {$570.00}
Phone call to XXXX and XXXX to inform them that this debt owed to Capital One Bank USA was included in my bankruptcy on XXXX 2014. It 's noted on my credit file with XXXX but not recorded with XXXX or XXXX. Asked them to follow suit with no resolution as it is being reported on both as charged off or delinquent. Then after that call it showing as updated and a new hard inquiry which is putting a negative mark on my credit file.
The complain about my phone number being added to credit Bearer Experian. 

I'm having problem getting accepted for credit cards which I am pretty much approved but when I call the bank they have informed me that my cell phone number is not added on the Experian credit report because there is alert on it so if there is a alert there should be a number also so that bank could call that person and verify him. 

So that's what happened I called my XXXX XXXX credit card department and they told me the reason that I did not get accepted for the credit card because I have a alert on my credit report which is Experian and there is no number attached to it if there was then XXXX XXXX credit card department could have called me on that number to verify me and I would have been approved and that was the only problem in my head so I'm trying to get in contact with Experian but when you call on their numbers it's just Automated machine talkin couldn't get hold of Representative so that I could add my cell phone number. 

So am I complaining is about Experian I want them to add my cell phone number and remove the fraud alert and also two- accounts that I have which was supposed to be removed when I contacted them by mail.
My credit report on EquiFax has a doctor bill, ( XXXX XXXX XXXX XXXX ) for {$110.00} listed as not paid. This is wrong Medicare 's Qualified Medicare Benefits paid all my medical bills on time. 
Can you please check on this and get it corrected. 
Thank you,
Company did not proved me w/ notification that I could dispute bill. I received no right to dispute letter/ mail I have NO contract w/ this company : XXXX XXXX On XX/XX/XXXX I received an alert that the company XXXX XXXX had placed a bill for the amount of {$370.00} on to my credit report. <P/>I called and was transferred 3 times, to a supervisor who told me that she saw my bill your report as a collection. <P/>This bill needs to be removed immediately from all 3 credit reporting sites immediatelyand that since it was from XX/XX/XXXX, her company does not have to tell me of any bill nor send a letter to dispute. <P/>I quoted her the FCRA regulation and she continued to proceed w/ the bill will stay on because : 1. I have NO contract w/ the company 2. The company did NOT send me a dispute letter alerting me of my right to dispute Report Accounts Account Details Dispute Guide Print XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$370.00} Balance Updated - Credit Limit - Past Due Amount {$370.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$370.00} Comments - Payment History XX/XX/XXXX
Wells Fargo opened a HELOC without my signature and without my consent. I was told by the local window company ( XXXX XXXX ) that they would send my credit score info to XXXX to see if I would qualify for financing. The very next day I went into my Wells Fargo account to check on my mortgage payment, and there was a line of credit opened ( {$13000.00} ) with a " Next payment due date XX/XX/17 '' I pursued financing for my windows from my credit union ( XXXX ) but have had to contact Wells Fargo twice attempting to close the account they opened WITHOUT MY SIGNATURE OR CONSENT! The account appears on my credit report and still appears on my Wells Fargo Mortgage website. 

Clearly, Wells Fargo has n't been fined enough for doing this XXXX to consumers!
XX/XX/2017 XXXX XXXX XXXX. XXXX TransUnion LLC XXXX XXXX XXXX, PA XXXX Cc : Consumer Financial Protection Bureau XXXX XXXX, IA XXXX Re : XXXX File No. XXXX Dear XXXX, The purpose of this letter is to request full restitution for my personal loss. I believe that I was XXXX of the affected consumers who was : '' Deceived of the value of credit scores TransUnion and its affiliates sold '' - ( CFPB, XX/XX/2017 ) '' Deceived into enrolling in subscription programs '' - ( CFPB, XX/XX/2017 ) The total value of the items that were deemed a total loss is {$270.00}. I have enclosed a total of XXXX receipts justifying the requested amount. 

I look forward to your timely response. Thank you for your anticipated cooperation in this matter. 

Sincerely, XXXX enclosed : hard copy of the above and receipts.
On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my fam ily into our 1st Brand new home. Thank you in advance!
REVERSE MORTGAGE SOLUTIONS IN XXXX TEXAS, XXXX N.C, HAS ADVERTISED OUR HOME TO BE FORECLOSE ON XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MS , XXXX AND XXXX XXXX// THET SAID WE DID NOT SEND CERYIFICANT OF OCCUPANCY LETTER, AND PROFF OF RESIDENCY BY WATER AND LIGHT BILLS/HAVE LIVED IN THI HOME SINCE XX/XX/XXXX/HAVE FAXED DOCS 6 TIMES, MAILED LETTER 2 TIMES/ DIFFERENT CASLLS SAY THEY DID NOT RECEIVE THEM, OR WRING FAXES, OR WRONG ADDRESSES/TIME IS UP/MUST HAVE PROOF FORECLUSYRE HAS BEEN CANCELED, STOPPED/XX/XX/XXXX/XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS ,XXXX//EVEN GOT ANOTHER LETTER FROM RMS ASKING FOR CERTF OF OCCUPANCY LETTER/GETTING XXXX XXXX AROUND AND I SUSPECT FRAUD/THANKS FOR INMMEDIATE HELP ON MONDAY/XXXX XXXX XXXX
loan was opened by my now deceased wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I didn't find out until XX/XX/XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is Credit Central located at XXXX XXXX XXXX in XXXX Georgia XXXX.
On XX/XX/2016, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of  Limitations and FDCPA. 

I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. 

To date, I never contacted nor authorized XXXX XXXX XXXX XXXX XXXX Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against me.
I had a bill through XXXX XXXX XXXX XXXX in XXXX, Texas. I called them on XX/XX/XXXX regarding this matter. The original amount was covered by insurance.There was a patient responsibility amount for {$40.00} which was also paid. XXXX realized their error and my insurance, XXXX XXXX XXXX issued a check # XXXX on XXXX, XXXX, XXXX to bring the account to a {$0.00} balance, paid in full. I received a letter from XXXX XXXX XXXX on or around XX/XX/XXXX. I notified Paramount Recovery Systems collection company ( a XXXX XXXX ) on XX/XX/XXXX that the debt was paid on XXXX, XXXX, XXXX, prior to any collection attempts or credit reporting and also provided the check number. I called XXXX, again, and they have informed that I have a {$0.00} balance on all accounts, new and old, in their system. The account number that they gave me is completely different than the account number Paramount has listed. Paramount Recovery refuses to update their records to show paid and have placed a collection amount of {$640.00} on my credit report. I've called them numerous times stating that the information that they are reporting is inaccurate. They refuse to update and therefore I am requesting that they remove this item from all 3 credit bureau reports immediately.
Ace Cash Express continues to call my business cell phone asking to speak with " Mr. XXXX ''. I have repeatedly told them that this is an incorrect number for " Mr. XXXX ''. I do not know who " Mr. XXXX '' is and I have never personally used the services for Ace Cash Express. I have repeatedly told Ace Cash Express phone representatives that they do not have the correct number and to stop calling me. They continue to do so and the phone reps tell me that there is nothing they can do but put a note in the file. This has been going on for months and months and they will not stop calling me.
My XXXX XXXX XXXX was financed through XXXX. It was totaled on XX/XX/XXXX. My insurance paid the claim on XX/XX/XXXX. Due to a denial in GAP insurance, there was a balance remaining after pay off. I was in contact with XXXX on several occasions to get the matter resolved. XXXX agreed to update my credit file if I paid 1/2 the remaining balance which I did on XX/XX/XXXX with a stipulation to remove the charge-off and remove the late payments ( see attached ). I wrote the terms on the back of the check which they accepted and cashed. The account is still showing late payments and as a charge-off on my credit reports.
Our mortgage was refinanced several years ago and purchased by Seterus, XXXX XXXX XXXX, XXXX, CT XXXX. At the time of closing, we are obligated to pay PMI and was told once the loan to value ratio reached 80 %, the PMI could be discontinued. Seterus has been biased in requiring us to pay {$350.00} for them to select an appraiser of their choosing without giving us, the consumer, an option of a list of appraisers in the State of Wisconsin. Twice, after completing major updates and home improvements, we have applied to have the PMI discontinued. In XXXX 2016, for the second time, we paid {$350.00} and used the appraiser that Seterus selected to conduct the loan to value assessment and we were within a reachable limit of 82 %. Seterus changed the contract ( orally ) to state that the loan to value must now be at 75 %. After speaking to Seterus regarding this issue several times by phone, they failed to provide written documentation or proof that we agreed to pay 75 % at the time of closing. A review of our closing documents states that PMI should be discontinued once the loan reaches 80 % loan to value. This PMI is {$110.00} per month and is deemed as an unnecessary burden to us as consumers, considering we have owned this property for 12 years and have never been late with a mortgage payment.
Hello, I have been in dispute with XXXX account on my Experian report, The accounts are as follows : XXXX XXXX XXXX XXXX # XXXX, XXXXI have filed a complaint with the CFPB regarding these account with no response from XXXX XXXX XXXX, I have attached the full communication between XXXX XXXX XXXX and myself. No validation has been provided and I want these accounts deleted from my file.
In XX/XX/XXXX I had a Sam 's credit card that I have never been late on since XX/XX/XXXX. I make very big payments on my card. In XX/XX/XXXX I logged into my account and it said to call in. I could not access the account. I was told that my account along with XXXX other accounts I have with Synchony have been suspended until I get a letter in the mail explaining why and to call in when I get the letter. I never got the letter and also could not make payments and was told the only way I could make a payment was to cancel the card. I tried to redeem my {$210.00} worth of rewards but they only mail a check every XX/XX/XXXX. This is the craziest thing I ever heard. I did google and they have been doing this to XXXX people. Was never told why account were suspended. I cancelled the card in order to make my payment because I do not make later payments. I want my {$210.00} I am owed.
I was notified via text message by Bank of America about two transactions that occurred on XX/XX/XXXX at XXXX XXXX XXXX. These transactions occurred while I was having dinner in XXXX, Washington. The first transaction at XXXX in the amount of {$1600.00} was approved by BOA and the second transaction at XXXX for {$430.00} was declined. I immediately responded via text message that these transactions were absolutely not mine and my account had somehow been compromised. I then called and spoke to a representative that same night who assured me I had nothing to worry about that my account would be closed, a new card issued to me, and that the charge at XXXX would be properly reversed as I had credit card fraud protection. Not once did this representative recommend that I file a police report or visit the merchant where the fraud occurred to discuss the fraudulent transaction. I called BOA again a couple days later to confirm the charge would be reversed and the representative assured me I had nothing to worry about and that the charge would be reversed. Again, no recommendation was made to file a police report or follow up with the merchant. 
On XX/XX/XXXX, I received a letter stating my fraud dispute had been denied with absolutely no explanation provided in the letter. Not once did a representative from BOA contact me or leave a message about the fraudulent transaction that I disputed. I called BOA to find out why the fraud dispute was denied and the representative said the comments were completely bogus that a representative supposedly tried to contact me, but they couldnt reach me and the transaction appeared to fit my spending patterns. I was also told the fraud dispute would be reopened, but that the charge couldnt be reversed until I provided further documentation such as a police report. The representative also told me I needed to do my part to assist BOA. 
I called the store director at XXXX in XXXX XXXX on XX/XX/XXXX to discuss the situation and notify him of the fraud that occurred. He assured me that BOA had not contacted him about this transaction at all. He is currently investigating the transaction on my behalf and I have asked him to review any security video footage that will easily prove that I was not present when this transaction occurred. 
I am completely shocked and appalled by the treatment by BOA during this process. I find it ironic that the BOA fraud department perpetrated fraud against me by not actually doing any investigation whatsoever and denying my fraud claim. I have a credit score over 800, my household income is over {$500000.00}, I have no history of making fraud disputes on a regular basis, and I am a Certified Public Account who is held to a higher standard to maintain my professional license. There is absolutely no reason to believe that I am somehow lying about this fraudulent transaction and that BOA has essentially accused me of attempting to commit felony larceny. 
On XX/XX/XXXX, I told the representative to close my credit card accounts immediately and that BOA has lost me as a customer forever. As of this posting, I am waiting for BOA to rectify this fradulent charge.
To Whom It May Concern : On in the month of XXXX of 2008 a private student loan was taken out illegally with the Company J.P. Morgan Chase in the behalf of myself XXXX XXXX XXXX XXXX. The loan was in the amount of XXXX +. I XXXX XXXX XXXX XXXX did not apply for nor did I receive any financial compensation from the loan. This Loan has left a negative report on my credit report which is causing me problems in my employment and financial livelihood. I have reported this illegal transaction to J.P. Morgan Chase requesting that they remove it from my credit report with no resolve. Please help me as to how I may go about getting this removed from my credit report as well as all negative scores in result of the loan. Thank you in advance for your assistance and XXXX. 

Sincerely, XXXX XXXX XXXX XXXX,