WillisBack/dataset-financial-user-claim huggingface dataset:
Enhanced Recovery Corp has been unscrupulous in their dealings with me. They submitted a claim on my credit reports for the amount of {$830.00} for XXXX. Mind you, this debit is almost 5 years old and was from an account set up from an unknown location. Before inserting their claim as a collections on my credit reports, they have to date provided absolutely no documentation, nor have they tried to contact me. They have also not validated this debit as mine. 

I have been a resident of Florida all my life. When trying to contact them, my calls are either not returned or they simply do n't answer my questions. This debit is fraudulent and I have advised the credit bureaus of this. However, Enhanced Recovery has been un responsive and I am beside myself. I demand that they remove this collections from my credit bureau reports immediately. 

Thank you in advance for your assistance in this matter.
I opened up a Loan with Sallie Mae in 2016 for the semester for an estimate of {$5000.00}. I had forgotten to check off the interest only option, which apparently I am obligated to pay 50-100 a  month whilst attending college. I tried to reason with Sallie Mae but with no luck. I have tried to explain that I can only make the payments AFTER I am done with college but refuse to help me and is threatening to put my account in default.
I have an account with CoinBase ( www.coinbase.com ) and tried to withdraw funds to close the account on XX/XX/XXXX. I was informed by Coinbase that funds would be in my account by Tuesday XX/XX/XXXX. No funds arrived so I created a trouble ticket ( ticket ref : XXXX ) with them on XX/XX/XXXX. It is now XX/XX/XXXX and I have received zero response to that trouble ticket and to further attempts at contacting Coinbase. They have published a telephone number for support but after 45 minutes my call had not been answered so I gave up. 

I am seeing many posts online where people trying to withdraw funds from Coinbase are seeing many MONTHS delay in getting payment and I am trying to avoid it happening here.
while checking my EXPERIAN CREDIT report, I noticed unauthorized and fraudulent credit inquiries made by CAPITALONE on or about XXXX/XXXX/2015 & XXXX did not authorize anyone employed by this company to initiate any inquiry and/or view my credit.This action by CAPITALONE has violated my FCRA Section 1681 b ( c ), without cause or justification, to which constitute a serious privacy Act Rights violation. 
I have personally requested from this company to permanently delete this information and/or send me any signed authorization from me as evidence within five business days.To this extent, CAPITALONE has ignored my request and in addition has failed to respect the process as required under the FRCA.
We recently sold our home which started out as XXXX XXXX XXXX, now PNC. We received a refund check for pmi insurance for {$560.00}, but could n't cash it because it was in the banks name. Several phone calls they explained that was a bulk check and we were getting {$6.00} back from that. I have the original documents signed when I bought the house, and it shows for PMI insurance my maturity date is XX/XX/2017. That probably was correct except I opted to do the twice a month payment when I got the loan. Because of that I was at 53 % at closing. Well below the 78 %. I know what it shows by what I signed, but the numbers do n't lie. 53 % is 53 %. PNC is standing by what is signed not actual numbers. According to the HOMEOWNERS ACT Any loan modification shall payment schedule should be recalculated.mine obviously was not? I have been in contact with XXXX XXXX XXXX
Tried to pull two credit reports today ; XXXX and Equifax. 

For identity verification, Equifax displayed a series of irrelevant questions, then claimed they were unable to verify my identity. Interestingly, they were able to verify my identity for a previous transaction on same day. Subsequent attempts to pull report resulted in same result. This has happened multiple times with Equifax. 

Later today I tried to pull my XXXX report and received the following message - " We're sorry. A condition exists that prevents XXXX from being able to accept your request at this time. ''
This debt was charged off in XXXX 2012 - This debt collector is reporting this on my credit report, and mailing information to an address I do not live at. 

Attached is a copy of my mailing address.
Hi, My loan officer submitted our loan to Magestic home loans around XXXX of 2015. Magestic home loans have made number of mistakes on every level of the loan and kept charging us for their mistakes. Their mistakes were as follows. 
1. Our appraisal value came higher than initially expected. Our LTV came down from XXXX % to XXXX %. The underwriter forgot to adjust our LTV. at XXXX % we were getting 4.750 so we floated for almost 1.5 months for rates to come down, finally we decided to lock at 4.750 % the file went to the doc department, Doc department realized that LTV is lower than it should be, which underwriter forgot to adjust. Now our LTV was changed to XXXX % and our rate came down to 4.5 %. Had the underwriter adjusted our LTV we did not have to wait 1.5 months floating. 
2. Our HOA master policy was provided to the underwriter she signed it off along with all other pre doc conditions. Since all conditions were signed off our loan officer locked for 15 days to sign docs and fund. ON THE DAY of the Funding underwriter realizes that she forgot that the master policy did not cover XXXX in walls. Our lock expired, our file went for redraw. we were charged for relock, and redraw fees. 
3. our file was impound, and on the original docs lender requested 3 months reserves. on the redraw docs, for some reason 2 more months of reserves were added. Which means they had miscalculated the reserves on the initial docs as well. Now since reserves came high we decided to not impound the file anymore. we signed redraw docs and were told the file will fund on Monday, the last day of our lock extension. 
4. On Monday on the day of funding and our last day of our lock extension we received news that they can not fun and they will redraw again because the doc drawer forgot to add the price adjustment for taking the file off of impound. Now they have to redraw again, re lock again. 
They are keep making mistakes, and keep charging us for their mistakes. The lender is not bearing any cost of all these mistakes and they are keep passing all the costs to us. We are beyond frustrated. The management or lender is not responding to our email, or to our loan officer 's emails. We get no apology 's no explanation of why we have to pay for their mistakes instead of the lender themselves. We have paid for the appraisal and other if cancel we will bear costs, if we do n't cancel we will pay for host of their mistakes. Please advice.
I received an alert from equifax that my home address had changed to XXXX XXXX XXXX XXXX XXXX Florida XXXX had changed to XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

I said that XXXX XXXX " XXXX XXXX '' does not exist and that I did not authorize it. I was told I 'd have to fax my drivers license XXXX utility bills, a copy of my ss # card. 
I asked to speak to a supervisor and spoke to a supervisor " XXXX '', who said if I did not like my service I could cancel it. Well, three seconds after my call I received an email that my membership was due to cancel on XXXX/XXXX/2015
Yesterday I applied for a home loan but was turned down because of XXXX negative entries on my Experian credit report. And I have not been able to get my FREE annual copy of my Experian credit report either.
I have been having issues with this Navient since XXXX of XXXX. They are not willing to assist me with lowering my payments. I had previously requested that they cease phone communication because they call and never help me. When I did try to set something up, all they do is just move the past due amount to the end of the loan to the principal so that they can charge more interest. I never had an issue paying my loans with Navient when my bill was affordable at {$280.00} a month. However, they decided to increase my payment by {$100.00}. Which I can not afford. Each time I explain that I pay bills that are not in my name, they do not take that into account. I have kids, and bills that I have to pay and have to budget every month. Unfortunately I do not have extra {$100.00} a month to pay. Today XX/XX/XXXX a collections agent called me and explained that I am past due, which I am aware because I can not afford the monthly payments. I explained to the customer that I told them to cease calls last time and the agent began to rudely explain that they gave me money and how are they going to get their money back. Being extremely rude, really upset me because all I have been trying to do is get an affordable monthly payment to pay off my debt. All they want to do is cause me to be past due and mess up my credit. Navient in no way is trying to help me and I can not pay them unless we can come to an agreement that I can afford. I would be happy to pay {$280.00} a month like I was promised by an agent back in XXXX XX/XX/XXXX but the agent LIED!!!!
I recently received a letter of a debt collection. The debt collection is from a company I never personally had a contract or business with. It must have been a identity theft that I 'm not aware. I will take the necessary steps with my local law if needed.
I tried to get into Wells Fargo Dealer Services online tool to pay my car note. However, I got a message saying that my rate has changed. 
When I called, they said that that message applied to my old car loan and being over charged for interest. They sent me a check for {$48.00} but my concern is that they did not go into details about the months involved with the overage. I would like to know if I am due more since I do n't have a clue on any specifics. This happened immediately after the scam when employees were fired due to fraudulent accounts.
XXXX XXXX -I was month to month on a lease of a house. The owner of the home switched Property Managers and they wanted a 12 month lease and an increase in rent. I declined and moved to a new address that would not allow satellite tv. I talked to several people at XXXX XXXX including supervisors who stated as long as all of the equipment was returned I would not be charged a cancellation fee. However a cancellation fee was applied. I never received notification at my new address but is now reported as a collection account on all XXXX credit reports. XXXX XXXX and Debt Buyer refuse to help. Convergent is the debt buyer.
Equifax continues to IGNORE a Police Report, ID theft report and XXXXworn Affidavit. Equifax is acting on its own to wreck the Credit and standing in the community of XXXX XXXX XXXX. Equifax has been given Multiple opportunities to cure the fault, but refuses to even Address the issue. Equifax representative told me via phone call, that the CFPB is a joke and they can do NOTHING to Equifax. SO far ... .evidence shows they are correct.
This is a dental practice loan. Applied for refinance. This company already has the original loan. Process started in XX/XX/XXXX. Company has not been adequately responsive for last 2.5 months.. meanwhile I am paying the added interest to them. 
They are not answering emails or phone calls. I have been " approved '' per agent ( XXXX XXXX ) yet received no call backs for over ten days. HE is consistently not responsive. I left messages with other agents in an attempt to move this along. still no response
My dispute involves mainly Experian but XXXX and sometimes XXXX as well. Their tactics are so transparent. They clearly make more money by reporting anything and everything to make consumers look like a credit risk. Example XXXX XXXX mistakenly pulled my credit a second time within a 30 day period after I spoke with their senior executive that assured me they were n't going to. When it happened of course the XXXX bureaus are hot to report it. I contact XXXX XXXX and get a letter stating it was a mistake. I forward that to the bureaus and now comes the run around. It took several months to get it removed however Experian refused to do anything except change it from a " hard pull '' as they call it to a " soft pull ''. They then further penalized me by removing or reporting incorrectly my " good '' credit history. My stellar XXXX accounts ( XXXX ) are now removed as well as other good accounts and they give me minus point for, you guessed it " lack of good credit accounts ''. I tried calling them, writing them online and snail mail to dispute, and they always have a stall tactic. I 'm tired of the run around. I 'm tired of paying too much because they skillfully and unscrupulously maneuver things so that I can never qualify for a better finance rate. I 'm fed up with it! I have plenty of documents to support my situation and monitor my credit closely.
I ordered face cream on XX/XX/XXXX. My XXXX Debit card was charged {$4.00} for XXXX and {$4.00} for XXXX this is what my Statement says ( enclosed ). I didnt order either one of those items. I ordered XXXX Revitalizing Moisturizer. At that time I didnt pay any attention to my statement. I just knew that I got what I had seen on the computer and was happy. UNTIL I realized they had taken {$93.00} for XXXX and {$93.00} for XXXX out of my accout. I called the company that I ordered that face cream from on XX/XX/XXXX I talked to a lady that told me that I should have canceled my order. I didnt know that I had an order to cancel. I had already ordered the face cream and got it. I asked that my money be returned and she said they could not and would not do that. I told her when it showed up I would put Return to Sender on the package, and it would not even come in my house. She told me that I could not do that. I told her I was going to contact my credit card company. I called XXXX ; they explained that I would need to fill out a transaction dispute form. They said it would need to be back to them in 10 days. So I received the form filled it out with my receipt and cancellation email from the company and sent it back to XXXX the same day. I waited to hear from them and heard nothing so on XX/XX/XXXX I called to see if they had received my dispute form. They informed me that they had not. So XXXX sent out another form. I waited to receive the form anxious to get this resolved. I use this card to take my son back and forth to DrXXXX appointments. He is XXXX. I can purchase gas, food, pay bills and whatever else. There is a huge difference between {$9.00} and {$180.00} that they charged me without my knowledge. I called XXXX back on XX/XX/XXXX because I had not received the dispute form, ONCE AGAIN they said they were going to send it AGAIN. XXXX asked for a fax number to fax it. I explained I did not have a fax # they gave me the impression they didn't want to help me. I did tell them that I had planned on writing to the CFPB to see if I could get help. That company did not give me a chance to send their product back to them because to date I have not received anything to send back. So they charged me for something that I didn't order plus didn't send it to me. I did go back to the website that I ordered the moisturizer from to look to see if I missed something and at first I knew that hadnt, all the information was right there. Then for some reason I scrolled down and there it was in small light gray type. When I ordered the face cream everything seemed to be on one page I didnt realize there was anything else left. I didnt know enough to scroll down because everything that was needed was there on the screen. I think that it really misleading of them. If I would of known that I needed to cancel my order or get charged {$180.00} I wouldnt have ordered it in the first place. It wasnt that great. I just seen it and thought I would try it for {$9.00}. I need help PLEASE!!! I use that card for food, gas and extras when I take my son to the Dr. We drive 100 miles one way and his appointments can last from 1 for 5 hrs. Depends on what Dr. he is going to.
I have been arguing with Honda Financial Services over disputed late payments for 34 months. They claim they have no record of our conversations and wo n't remove the lates from my credit report. Since our last conversation, they have made changes to previous leases reported to XXXX in an attempt to further ruin my reputation. They are targeting me because I reported them. They are now claiming that a lease I had in XXXX ( acct # XXXX ) was included in a Bankruptcy Chapter XXXX and became delinquent in XXXX XXXX  None is this is true. There was never a delinquency, and there was never a Chapter XXXX B/K. I do n't appreciate Honda Financial bullying me by trying to claim that a lease that ended without incident almost 7 years ago was delinquent or subject to a phony bankruptcy.
The balance of my federal Perkins loan is supposed to be cancelled for service as a full time XXXX XXXX. The company continues to Bill me for payment even though I 've sent paperwork more than once. Additionally, they do not answer email, phone, or mail. I 've tried numerous times. I 'm afraid it will affect my credit because of their negligence to respond. The company is www.acs-education.com.
XXXX XXXX has sent constant voicemails filled with harassment including reaching out to my family members multiple times. The latest voicemail I received a couple of months ago, XXXX XXXX   told me things would get really bad for me if I didnt call them back that day. This has to be illegal.
On XX/XX/XXXXI applied for a credit card ( XXXX XXXX ) with XXXX XXXX. I was notified by XXXX XXXX that they were unable to obtain my Transunion credit report. On XX/XX/XXXX I contacted XXXX XXXX and informed the bank that my credit report with Transunion had been acquired after speaking directly with Transunion. I requested that XXXX XXXX withdraw my application. On XX/XX/XXXXI went to a local XXXX XXXX branch and spoke with a banking officer who contacted XXXX XXXX XXXXs underwriting department regarding several hard pull inquiries on my Transunion credit report by XXXX XXXX. On XX/XX/XXXX I applied for a credit card ( XXXX XXXX ) with XXXX XXXX. I was notified by XXXX XXXX. I was notified by XXXX XXXX that they were unable to obtain my Transunion credit report. I contacted Transunion who indicated they XXXX XXXX was in fact provided my full Transunion credit report resulting in hard pull inquiries onXX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in conjunction with these two credit card applications. Transunion stated that I would have to dispute the information directly with XXXX XXXX ; however, XXXX XXXX stated that I would have to initiate a dispute with Transunion. Unfortunately, Transunion does n't have a mechanism to dispute inquiries. I have made several attempts to resolve this with XXXX XXXX and Transunion to no avail.
I received two letters from experian regarding dispute results, I have complained to this credit agency for months and they have not assist my request. Making the debt mine, I don't recall having any account with XXXX. I would like this item removed from my credit profile, Experian has not validated the debt as mine, but they continue to ignore my request of removal, they have violated many consumer laws.
I received a letter from XXXX on XX/XX/XXXX letting me know that they had asked the XXXX reporting agencies to " delete the account ( s ) from your credit report. '' Good deal -- that 's what I had requested of XXXX. XXXX and XXXX quickly complied with XXXX 's request. EQUIFAX would n't delete the account even though I disputed it twice in XXXX and XX/XX/XXXX and sent the letter from XXXX to them twice. I need help in getting EQUIFAX to comply with XXXX 's request to delete my account.
I am participating in the 10-year public service loan forgiveness program. My servicer is XXXX XXXX. I believe XXXX XXXX incorrectly calculated my qualifying months of service, and shorted me by 6 months. I submitted a request for review on XX/XX/2018. I was verbally told by a customer service representative that the timeline for response was 60-90 days. I called in late XX/XX/2018, and was told my request for review had not been processed, and that I could call back in two months and a response would likely be available then. I called yesterday, and spoke with a rep named XXXX. He told me that not only was a response not available, he could not provide me with a timeline for receipt of a response. I asked if there were any ombudsman or advocates anywhere at any organization to help people in my situation. XXXX told me he was unaware of anyone to help me. I do not think it is reasonable that the time to respond to a dispute is unlimited/unknowable. This also means that I may end up making more payments than the necessary qualifying number of 120 for loan forgiveness, and also delay eventual  forgiveness of the loan. XXXX may have a valid reason for not crediting me for the 6 months that I believe qualify, but it is not reasonable to fail to respond to my request for an explanation for 8 months, and to not be able to provide me for a timeline for receipt of a response. Please note that I have moved and the address on the attached letter is no longer valid.
Received Loss Mitigation approval notice from my mortgage company which is a catch up plan or forbearance for my mortgage. I have a FHA mortgage, I requested a PMI claim be filed on my behalf for the delinquent payments and the mortgage balance be amortized over 30 years. The plan Volunteer Mortgage Loan Servicing sent me has increased my mortgage payments a lot. I'm requesting my mortgage be modified though XXXX XXXX Or XXXX XXXX. I feel the modification I received is setting me up to fail. 
Please Help, Please Help