WillisBack/dataset-financial-user-claim huggingface dataset:
I HAVE DISPUTED MY CREDIT REPORT WITH EXPERIAN FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. IN FACT, THEY TOLD ME FLAT OUT THAT THEY WILL NOT REMOVE INACCURACIES OFF OF MY REPORT AND TO NOT CONTACT THEM ANYMORE. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT. 
-STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS IN SCHOOL AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ). 
- STATE TAX LIEN - THEY HAVE A TAX LIEN ON MY REPORT WHEN THE IRS REQUESTED FOR THEM TO REMOVE THIS TAX LIEN. I HAVE SENT THEM MY TAX LIEN RELEASE/REMOVAL PAPERWORK SEVERAL TIMES WHICH THEY HAVE IGNORED. THIS TAX LIEN WAS REMOVED FROM MY XXXX & XXXX REPORTS BASED ON THE LIEN RELEASE I SENT THEM FROM THE IRS. 
- BANKRUPTCY - MY BANKRUPTCY WAS DISCHARGED. THEY HAVE NOT REPORTED THAT ON MY CREDIT REPORT. 
- PUBLIC RECORD - THEY HAVE A PUBLIC RECORD JUDGEMENT ON MY REPORT THAT SHOULD HAVE BEEN REMOVED FROM MY REPORT AS IT WAS FROM XXXX AND XXXX.
On XX/XX/XXXX I deposited {$240000.00} into Synchrony Bank Acct. XXXX. In XX/XX/XXXX, I requested that the account be closed and the balance ( {$250000.00} ) be paid to me. I never received the funds. The customer service rep ( XXXX ; XXXX X XXXX ) told me that the check was signed by me and returned to XXXX. They did not know what to do with it and could not contact me because the account was closed. To date, this matter has not been resoved and I am seeking payment of the funds owed me.
Collection was added to my credit report by XXXX XXXX for {$640.00} on XX/XX/2018 which has already been taken care of.
Called me at XXXX on XXXX/XXXX/XXXX with a recorded message. Call often after XXXX. Calls all the time from spoofed numbers. Always a recorded message. Always implying legal action.
On XXXX XXXX I went to the grocery store, pulled out my phone bank app, checked my balance and bought groceries for XXXX It showed I still had XXXX left. 
Next day I got an overdraft fee and the bank said it covered the transaction even when I do n't authorize them to cover transactions for me in my settings. 
I transferred funds to cover the overdraft over the weekend. 
They put a {$35.00} fee and bounced another transaction for me. 
They absolutely refuse to refund the fee and are holding my account hostage in the negative. They are going to start raping it this week. Then they 're going to send me to collections and ruin my credit. The overdraft in my account is exactly the amount of their fee. I 've covered all my overdrafts and paid all my vendors.
J.H. Portfolio debt collection practices on my credit and have been placed for collections. 
I contacted the XXXX major Credit bureaus, and XXXXXXXX with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. 
XXXX validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX had been stolen XXXX. XXXX very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime XXXX XXXX must cease and desist all debt collection practices. 
In the event XXXX. XXXX or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.
I had an unauthorized withdrawal from my checking account. It has been 27 days and I have not received any of my money back. I was told i would get money back within 24 hours from day 1. I have called the bank on at least 6 occasions and they give me different reasons why my money is not in my account yet.
The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX who sustained severe injury following a fall in XX/XX/2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function XXXX. My condition was so bad that I could not manage my finances. Due to my XXXX XXXX, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed this company
A VA funding fee was financed into my loan amount, without an option to pay the closing funding fee paid at closing. The seller were to pay all closing costs. Case in point : Escrow funds were not paid by seller, until I inquired and requested the funds for the escrow shortages, of which I still have a deficit. Other issues are now under investigation, concerning the payments paid at closing.
I was owed money, and the person who needed to pay me offered to do so via PayPal. After looking at PayPal 's website, which promised, " Send friends, family, or customers your personal PayPal.Me link wherever you talk to them - text, email, or post. They click the link and enter the amount - no cash, no checks, no awkwardness. '' It promised fast, easy transfer. What it did n't say was that the funds would be held by PayPal for 21 days. Had I known that PayPal would sit on the money for XXXX WEEKS I would have asked for a check or cash. PayPal gives the sender the impression that money was delivered right away, and nothing could be a bigger lie.
My auto loan was transferred to Westlake Financial. The initial conversation I had with them was fairly pleasant. Before I was transferred I was due for my XXXX payment. Which is due on the XXXX of each month. The month of XXXX was tough for me. I called in on XX/XX/18 and made my XXXX payment. The representative I spoke to was very nice and helpful. She advised me that my XXXX Payment was due, which I was aware. My XXXX Payment was due XX/XX/18. The representative and I discussed a way for me to get caught up, which was extending the XXXX payment to the end of the loan and that way my next payment would be due n XX/XX/18. I thought that was helpful and agreed. She then advised me that I would have to call on XX/XX/XXXX to request the deferment. I stated ok, I will call then. Then on XX/XX/2018 I received a call from Westlake Financial on my cell phone at XXXX, XXXX XXXX and XXXX. Then on my work phone at XXXX XXXX. I was confused as to why they were calling so on my lunch break, I called them. The first representative I talk to stated my account was delinquent and that why I received calls. I told her I was not then she explained that I would get call if I'm 1 day late. I thought this was absolutely ridiculous. I was technically 14 hours delinquent and they had already called me 4 times including my work phone about an account that is 14 hrs. past due. So I then stated well I already had spoken to a representative yesterday, XX/XX/18, explained what was going on, made a payment and agreed to call back on XX/XX/XXXX to request the extension. The representative told me that was not an agreement and I would still get collections call. I stated why would ya 'll call me, if you see in the notes that I am going to call on a certain date. That seems like a waste of my time and yours to keep calling. Then to call my multiple times like my account is months past due. I was upset at this point. I requested a supervisor. The supervisor then told me that I did not have an agreement that is a verbal agreement. He saw the notes of what was going to take place but said that did not mean anything until the deferment took place. I was upset. the only thing he could say was you can request for your number to be removed from the dialer. So I agreed. I think this is a violation of CFPB. The called my 4 times before XXXX for the account to only be 14 hrs. past due. Also when I spoke with the first representative she did not advise me that I would continue to get collections calls. Also, they do not add a late fee on the account until the account is 10 days past due. So I should not be receiving calls anyway. I think this is unfair treatment and harassment to call someone that many times in that short of time frame.
Security Credit Services  ( Original Creditor :   XXXX   XXXX   XXXX    )    XXXX   XXXX   XXXX   XXXX   XXXX  , MS  XXXX  - {$9800.00} This was  Auto Loan  with another company by the name of   XXXX   XXXX   XXXX  . Upon me trying to make my credit situation better I had no idea what this company  (   Se  curity Credit Services  ) was because this is not the original creditor. I disputed this debt and now they are listing it as if its a new debt noted   XXXX   due me disputing it. This is a old debt from   XXXX   ; by law they have to go by the date it originally defaulted with the creditor. I was never told that this account was being sold off to another company. This is really disappointing when I am truly trying my best to better my credit situation.
acct. XXXX With this credit card you're supposed to earn something called Fun points that you can use to pay for cruises to get onboard credits for cruises and various other things a few months ago I used some points for a {$50.00} onboard credit on the cruise that I planned on going on it took the reward points out of my account but when I got on the ship the onboard credit wasn't there I argued with the ship but they said it had nothing to do with them the credit card company the reward company has to send it to them there was nothing they could do at that point so I get back home and I messaged the credit card company I got an email back telling me that you sent it to the appropriate Department give it a couple days and I'll get back to me okay I wait a few days nobody gets back to me so I send the email again once again I get the same email they apologize for the delay they're working on it give them just a few more days I did that then today in the mail I get a letter that reads " this letter is in response to your recent inquiry on your XXXX XXXX XXXX account we are currently unable to assist you with your rewards issue '' it's their credit card if they can't help then who can you charge me interest on the card I use the card I make my payments is earned those points
Citibank at XXXX. XXXX XXXX, XXXX, OH, XXXX ; controls my Macy 's card and my Home Depot card. I emailed both businesses to let them know I am the victim of Identity Theft and Computer Hacking. However, they refused to work with me and the employees that I have arrangements with do not have the authority to make any such arrangements at all. The F.B.I. sent Citibank and the creditors themselves letters stating that the have the criminal in custody awaiting adjudication. None of this has stop their harassment, or their refusal to make arrangements that I can afford. This added XXXX by their continued harassment can XXXX XXXX as I have had XXXX XXXX in XXXX that I should n't have XXXX and a very XXXX XXXX in XXXX. Their employees are rude, do n't want to allow you to finish a sentence, which enrages me so that I can finish a sentence without their constant interruptions and demands that are unreasonable. I 'm currently living on {$300.00}, and they want $ XXXX a month. This is unbelievable.
My XXXX XXXX spouse and I were married XXXX XXXX, XXXX and purchased our home jointly in XXXX. In XXXX we were interviewed telephonically prior to obtaining a reverse mortgage in XXXX. We were told that if I quit claimed my half of our property over to my husband we would be able to withdraw an adequate lump sum to pay a low cost loan from the County of XXXX used to upgrade and resolve much needed repairs to our aged home. In XXXX my husband renewed the reverse mortgage for additional upgrading and to purchase a used vehicle for me. 

I was married to my husband throughout the term of the HECM, and there are no invalidating claims against the mortgage except my husband 's death. I have maintained the required insurance and taxes in good faith that I will be permitted to remain in my home of XXXX years. 

I have been able to follow the various federal court cases in XXXX, addressing reverse mortgages as they apply to non-borrowing surviving spouses. 
HUD was admonished by the court in XXXX for not providing relief for Non-borrowing Surviving Spouses. In XXXX HUD addressed and resolved some HECM issues for non-borrowers residing in the borrowers home at the time of the HECM. However there remained no relief for Non-borrowing Spouses if the XXXX was obtained prior to XXXX XXXX. 

In XXXX XXXX, HUD set forth a list of requirements so that individuals such as myself could remain in our homes until death. In XXXX XXXX, a Class Action was filed against HUD, in part, for financially discriminating against Non-borrowing Surviving Spouses in that the financial requirement listed was cost prohibitive. Within a few days, HUD rescinded all requirements and permitted all lenders/mortgagees to offer a XXXX day extension on foreclosure proceedings being XXXX XXXX, XXXX. At that time our lender, XXXX XXXX Bank postponed the Trustee sale of our home to XXXX XXXX, XXXX. 

If our home is sold at auction, I will become homeless and since I am on XXXX only, the irony is that I will have to apply to HUD for help to find a place to live. 

I am hoping to get HUD to offer Financial Freedom the opportunity to either extend my husband 's HECM until a final court decision is rendered or for HUD to except the HECM from Financial Freedom, since the only default is that the borrower died. 

Thank you so much for any assistance you can offer me, I can not afford counsel and have been handling all communications myself since my husband 's passing on XXXX XXXX, XXXX and the first posted Trustee sale date in XXXX XXXX. 
On behalf of Financial Freedom, I wish to state that they have been very gracious to me and have shown a sincere willingness to help me remain in my home. 

Respectfully submitted
Having problems decreasing my monthly payments what human can pay {$800.00} once a month, also Dealing with my lender trouble with how payments are handled need information about my balance and terms, they call everyday sometimes more than once
Company ( PHEAA ) took over Federal Student loan from AES for default. I started to pay on the loan with first payment of {$3700.00} to catch up on late payments and afterwards I resumes paying a monthly payment of {$560.00} x 13 months. I was suppose to be offered a Rehabilitation program after making 9 consecutive monthly payments within 10 months period, but I never heard anything. 

The original loan amount from XXXX XXXX was around 33,000. In the process of using a consolation loan company and going thru financial hardship after XX/XX/2008 financial crisis, the amount was raised to over {$75000.00}. I attempted to resolve the difference in balance thru my lawyer, but I was never able to a resolution. No one from the collection companies we have dealt with were able to show original documents to prove the massive amount of interest charged. When I last attempted to fix my credit report, I was told by PHEAA that I am still in default, that I will always be, and no matter how monthly payments I make, the status of default will never be changed unless I pay the entire amount owed which is currently sitting at {$72000.00}. So far, for the past 18 months, I have paid {$11000.00}, which would equate to over {$8000.00} in interest and collection costs.
Hello, Dovenmuehle Mortgage took over my mortgage from XXXX XXXX  XX/XX/2018. Since then they refuse to post my XX/XX/XXXX and XX/XX/XXXX payments I made on a timely basis. They have added late charges and forwarded mitigation paperwork. I have called their customer service every day to get this resolved and they keep saying we will know something in ten days. This has been happening since XX/XX/XXXX. They have my payments and they are showing on line, though they have not taken off late fees and still will not credit my account. I am so discouraged. Where do I turn? 
Thank you.
Good Evening ; As you can see, I'm very meticulous when it comes to my credit and pay everything on time or even way before it's due. As I was going through my credit report for the last 3-5 years, I was shocked when I reviewed my credit report and found the late payment on the dates below : XX/XX/XXXX/XX/XX/2016 - 30 day late payment I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have been dealing with AES for years. Not only have they harassed my father and I regarding the loans, but this company is not helpful whatsoever when it comes to lowering payments or putting my account in forebearance. Every single employee I have ever spoken to has been incredibly rude and unhelpful. When I was pregnant my son last year, I had health issues that kept me from working after I delivered him. When I called AES requesting a forebearance or even lowering a payment ( in XX/XX/2017 ), the only response I received is no from the customer service representative. I never received a reason as to why I couldnt have my payments lowered or why I couldnt put my account into forebearance for a month or two,

considering i didnt have an income at all at that time. I can not afford these payments and I am exhausted trying to get this company to work with me. I am not ineligible for any 10 year on time forgiveness because I cant afford my payments. I currently pay {$220.00} a month. If i miss one payment, my next payment is almost {$450.00} ( which is what I currently owe ). That is unbelievable for anyone, let alone a single mother. Also, I dont even know where they got their balance from. I have looked over every single loan document on the loan database website, and I dont see how they got their amount they claim I owe them.
Would really appreciate it if Huntington Bank would partner with XXXX. I use XXXX XXXX a lot for pay day advance. It takes a long time because they say my bank ( huntington ) has to send my transactions. XXXX implied that it may help if huntington partnered with them!
Synochrony Bank issued a XXXX XXXX XXXX XXXX in my name In XXXX. I did n't receive the card until XXXX and was not able to activate the card either by phone nor on their website so I did n't use it. I received a letter from them the middle of XXXX where they stated they would send my card to collections if I did n't pay by the next due date which was XXXX XXXX. Again on the XXXX I tried to activate my card both by phone and by their website but kept getting caught in a phone circle saying they could not find my information and asked me to input the information again. There was no option to ask for customer service nor was there another phone number provided on their letter, their website, nor the card itself. Their online registration stated the information I provided was incorrect, it was n't. Finally after the XXXX or XXXX time trying online it gave me a message that my birth date was incorrect ... .they had incorrectly put it into their system. By the time I found this out, their offices were closed and I had to wait until Monday the XXXX to have them fix their error. Getting to their customer service department was a nightmare ... without any options provided I tried dialing XXXX to get an operator, that failed so I just ignored all of their numerous requests to state why I was calling and that FINALLY caused them to route me to customer service. Unfortunately, once there the service rep fixed my birthdate in their system but I was told I would have to deal with their collections department to make my payment as my account had been sent there. I paid the account in full and explained the situation to the person I spoke with, they stated they Would Not take the credit collection note off my credit report, even though the error they made caused me to have the account go to collections ... Their mistake, they should reverse their collection notice on my credit report ... .Very unhelpful people to deal with.
Equifax has mishandled my information, allowing it to be easily stolen during their recent data breach from XX/XX/XXXX to XX/XX/XXXX which will likely be used against my wishes for financial gain by the identity thieves. Equifax then tried to hide the loss of my information, neglected to notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours of my time, money ( to freeze my credit with 4 different credit bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
A delinquent account not belonging to me was linked to my credit report. The delinquent account belongs to another individual with same first/last name living in the same city as me, but different SSN. When I disputed it with the collection company, their response was that they confirmed that I am a current XXXX Customer which was initiated in XXXX 2012. Additionally, charges incurred in that delinquent account # XXXX date back to XXXX 2012. Neither parties have been cooperative in my attempts to clarify the confusion.