WillisBack/dataset-financial-user-claim huggingface dataset:
I had a repossession with XXXX XXXX that was settled in full with a collection agency by the name of XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX  stated they see the payment for XXXX but it wasnt a settlement. Ive contacted XXXX and they stated XXXX XXXX  gave them permission to settle the account. I settled the account on XX/XX/2018 for XXXX. Experian will not marked the account as settled and closed even though Ive sent a settle in full letter to them. Attached is a letter from XXXX XXXX XXXX stating the account was settled. Thanks you ...
I was supposed to receive a direct deposit for excess Financial Aid funds. XXXX XXXX told me the refund amount was too much {$16000.00} over their XXXX so I would need to send documentation proof of the deposit reason. I sent all paperwork from my college to them and was told to expect something in 6 business hours. I called back 6 hours later and was told they attempted to call the school for verification but the school was now closed so they could not do anything. I then asked to speak to a supervisor who ensured me the documentation I sent was good and I would receive my direct deposit by XXXX. I called back at XXXX and was given a different answer, that the direct deposit department was gone and attempted to call the college but it was closed so they would need to verify tomorrow. I should not have to go through this much to get my own funds!
I received a HAMP Loan Modification from American Servicing Company on XXXX XXXX, XXXX in the amount of {$2200.00} monthly payments. I complied with the trial period payments and made my payments on a timely basis ( see attached Exhibit dated XXXX XXXX, XXXX ). 
In XXXX XXXX, XXXX I was sent a list of Judgements/liens that were found on the title. I immediately started working on having them removed. I notified American Servicing Company throughout the process of getting them removed and continued to make my trial payments. I spoke with the title department of American Servicing Company on several occasions regarding each lien that was removed. On XXXX XXXX, XXXX I received a letter stating that I had been removed from the modification review because of the title issues. I appealed the decision ( see attached Exhibit dated XXXX XXXX, XXXX ) providing proof that the liens had been satisfied. Even after this appeal, American Servicing Company still removed me from the HAMP Modification Program. 
I spent numerous hours and phone calls going over this issue with American Servicing Company. They advised me to submit a new application.When I submitted my application again on XXXX XXXX, XXXX, I was told that American Servicing Company on XXXX XXXX, XXXX had developed a new policy that if a property had been in foreclosure for more than 3 years they could no longer be considered for a modification. I advised that my paperwork had been faxed in the month of XXXX and I was told that unless an intake interview had been taken before XXXX XXXX, XXXX, I still would not qualify. I have not received any communication from American Servicing Company informing me of this new policy that they have adapted. 
I do not think this new policy that American Servicing has adopted is outlined in the Hamp Guidelines and so I am appealing to the Consumer Financial Bureau to investigate this lender and my case because the lack of communication between their title department and their modification department played a big part in the reason why they did not know that the liens had been satisfied and I should have been granted the final modification.
Portfolio Recovery continues to call my cell phone multiple times a day from different numbers. The only thing I have on my credit report is something from 5-6 years ago which is beyond the statute of limitation in Texas. They have done this to me XXXX in the past year and even had me served. They made me so scared and nervous that I ended up breaking down and paying what they asked for ( XXXX ). Portfolio Recovery even took a 5 year old debt, sued me for it and then re-reported it on my credit report as a new debt. Can they do this? This company is relentless and will not stop. Even this morning the calls have begun and will not stop. This is harassment and against the law. They should be allowed to harass people and collect debts that are so old. 
Can someone please assist and help? I can not afford a credit attorney. I 'm being threatened by Portfolio Recovery they will sue me again and harassed by threatening phone calls. 

Thank you, XXXX
The credit bureaus XXXX, Equifax, and XXXX are missing some or all of my XXXX credit card accounts and payment histories. They are also missing car loan and mortgage histories. They 've claimed these accounts are not reporting to them or that they are up to date which they are not. It 's not possible that these XXXX XXXX 's, XXXX, and XXXX XXXX accounts do n't report to some or all of the XXXX credit bureaus. In fact I 've confirmed that most report to all three. Apparently when credit history is missing they do n't consider that an error like I do. This has damaged my credit. Where my credit should be excellent, according to them it does n't exist or I have no payment history. I will try to include these supporting documents : 1. Credit cards and ID 's pictures sent to all XXXX bureaus, 2. XXXX XXXX property whose mortgage is paid in full but does n't appear on any credit report, 3. Utility bill showing current address, 4. XXXX, Equifax, and XXXX Credit Reports, Dispute Forms and Dispute Results, 4. XXXX previous letters from credit card companies stating that they are reporting to all XXXX bureaus which I sent to them and they ignored.
I have an American Express Bluebird card. I have fraudulent charge disputes. XXXX from XXXX, XXXX from XXXX, XXXX from XXXX. These charges cleared my account on XX/XX/XXXX and XX/XX/XXXX. 
According to Bluebirds Customer Agreement if it takes more than 45 calendar days to look into charge disputes they will give me a credit to use after 10 days business days. 
I called multiple times and they are denying my request. I understand that it will be XX/XX/XXXX before I could hear back about the investigation. I did NOT make these charges.
My loan charged off due to a job loss, I have started making payments to XXXX XXXX, however my monthly {$50.00} payments is going towards the interest and I will never be able to payoff the loan. 

I thought there was no more interest once the loan has been charge off, I have {$200.00} in payments and only {$60.00} has been placed against the principal and {$140.00} has been place towards the interests. 

I can't get a payoff, I would have to pay {$3000.00} to payoff a balance of {$1300.00}, for example I paid on XX/XX/18 {$50.00} towards a {$1300.00} balance and now the balance is {$1300.00}, this is a ripoff. 

Please help me settle this because I am unemployed, however I am still trying to pay my debt, but with this system, I will never be able to pay off this debt.
There has been a breach of confidentiality with the XXXX " Ocwen Loan Servicing ". 
This company that collects money, has people in XXXX who know nothing about fianancing banking, or customer service. 
Documents were received at my home yesterday that ARE CONFIDENTIAL and were in an unsealed envelope. The documents inside the envelope WERE VIEWED. I am trying very hard to get rid of this company and refiancebut that is impossible because the data and the many mortgage servicers that handled this loan IS IN COMPLETE DISSARAY. 

Also Ocwen needs to stop sendin me certified mail to my home. I am not home to receive this information, work long hours during the week and do not have time to visit the post office to pick up their XXXX. 

Bottom line this organization needs to be shut down, sued with a major law suit.
Received a notice of debt due in a letter dated XX/XX/XXXX. The debt results from a lease that terminated on XX/XX/XXXX. On XX/XX/XXXX I received a notice of eviction. On XX/XX/XXXX I went before the Justice of the peace court in Texas regarding the eviction. The judge ruled against the creditor and we agreed that I would vacate the property upon termination date of my lease. On XX/XX/XXXX, the creditor served me with another notice of eviction. I moved out of the property in question on XX/XX/XXXX.

The creditor is accessing me an early termination fee and various other charges under the lease. I have disputed the validity of these charges with the collection agency and the creditor. I have requested copies of documentation, including a copy of my lease, to date, I have only been provided a copy of my lease and not other documentation which could potentially resolve this matter.

OnXX/XX/XXXX, I received notification that the amounts in dispute were being filed with the national credit bureaus and shown as " disputed ''.
its Ditech.com that is perpetually SO IMPOSSIBLE TO access to log into my account is like breaking into XXXX  for two years, once in a lifetime u get into the home page, clicking the log into my account gave you Error page. i spent tons of money calling from overseas n the answer they gave u is " dont use iphones, and when i said i did not n they came up with other excuses like we can get on fine, it must be your network!!. i have complained n send them emails n they got back with a do not reply email that simply condescended you with someone will be in contact ... .3-5working days, WHAT THE HECK??
Repeatedly asked representatives of this company, on more than 1 occasion, to refrain from contacting me. I also gave an alternate contact number at which the account holder could be reached. I was told by several representatives after requesting not to be contacted, that I would no longer receive phone calls. Also that my number would be removed from their records. During the most recent call I was told I would not be contacted for up to seven days, after that they would resume calls. I again asked for my number to be removed from their records but was told I have to submit my request in writing. I continue to receive phone less than 24 hours later.
Hi - I just received a call from my bank - XXXX XXXX of a Legal Order from XXXX XXXX with a number to call - XXXX. 
Called them and they directed me to another number stating this is not what they can discuss as they could not view fully the account which was bought by XXXX XXXX through Pressler and Pressler. 
I eventually called the number they gave me which was for Pressler and Pressler. I spoke to a legal rep who is named XXXX XXXX and advised that i allegedly have a bill from XXXX card in XXXX which was filed with the court with an address on file. 
I challenged why they did not try to contact me or notify before having the court put a levy on my bank account. 
I do not own a XXXX card in XXXX, no correspondences whatsoever. I demanded a statement or bill which they said they will look into and furnish but damage has been done with my account. 
Pressler and Pressler do have my current information as i dealt with them early this year on a XXXX bill owed in XXXX which was eventually paid off. 
It is shocking they went behind me to file a motion in court and they lied they only had my old address on file which i never received any communications from them on the XXXX card statement for XXXX. 
I hope i will be able to be compensated under FDCPA for harassment unfair judgement. 
There are statute of limitations on credit card debts also allegedly owed in the state of New Jersey. 
Please look into this and help out so they can do the necessary by providing all relevant documents at the earliest and lift immediately the hold on my account with restoring what they already deducted which is fraud. I was never contacted.
Navient is calling my phone 4 to 5 times a day asking have I found a job trying to advertise consolidation it's making me feel harassed especially because I am XXXX having XXXX XXXX and XXXX   XXXX, XXXX and XXXX these phones are XXXX me out I asked several times for them to put me on the do not call list but they still won't listen even though I change my number they get my new number and call me repeative I'm very XXXX  now I'm just thinking about canceling phone service all together
I purchased a home on XXXX XXXX, 2016. I prepaid {$1100.00} in interest for the month of XXXX to the originator ( Bank XXXX ) as part of closing ( found on the XXXX. ) The mortgage was then sold to another bank ( Bank XXXX ) on XXXX XXXX, 2016. Bank XXXX only reported ( on the XXXX ) the interest paid between XXXX XXXX and XXXX XXXX, 2016. Bank XXXX only reported interest paid between XXXX XXXX and XXXX XXXX, 2016. This left an unreported sum in the amount of the difference between the prepaid amount and the reported amount from Bank XXXX - which has an impact on my taxes. 
Bank XXXX stated that they are n't responsible for any prepaid interest made prior to their purchase. Bank XXXX stated that they only report the interest paid/applied while they owned the loan. Both are adamant that what they reported is accurate. If that money did n't go towards interest, where did it go and why is the consumer ( me, and I imagine many others ) getting XXXX out of the reported interest paid on the loan due to a mortgage transfer?
In XX/XX/XXXX, I contacted my student loan servicer Nelnet regarding my late student loan payments. It was agreed upon that my loans would go into forbearance. I later received documents dated XX/XX/XXXX that my loans had been placed in retroactive forbearance, with start dates of XX/XX/XXXX and XX/XX/XXXX Despite this, my server continues to report my loans as late for the dates covered by my forbearance. On XX/XX/XXXX I contacted Nelnet regarding this and was informed that they would not update my account information and would continue to report multiple late payments despite the fact that my forbearance period covers the dates they are reporting as late. Nelnet is now reporting my loans as current.
The homeowner is requesting assistance from the mortgage company - Bank of America. The homeowner fell behind due to a loss of income when she lost her job. She struggled to keep up the payments but became delinquent. She tried to get assistance from Bank of America, but was unsuccessful. Her income has now improved and she desperately wants to keep her home. She contacted a HUD approved housing counseling agency for assistance. The agency reviewed her finances, the Request for Modification Assistance ( RMA ) application and other supporting documentation before sending the package to BOA. The homeowner was denied a modification and the reason given was " we service your loan on behalf of an investor that has not given us the contractual authority to modify your loan. '' The investor XXXX. In trying to reach XXXX, she was told they do not instruct lenders on modifications and the decision is completely up to the lender. An appeal was made to BOA and another RMA application was submitted. However, the response has been the same.
I have attempted to contact XXXX XXXX regarding three balances owed after medical insurance payments. I have unsuccessfully attempted to dispute this balance with the original creditor who was bought out by XXXX XXXX XXXX and referred me to their billing department. The representative advised me the debt was " sold '' to Medical Data Systems. I've been unsuccessful in disputing this amount with either of these companies who have refused to provide me with a direct department to contact at XXXX XXXX Hospital that I can dispute this balance. I sent a certified letter to XXXX requesting they validate my debt and received not only the billing information but, my diagnosis and related medical codes.
I consolidated my loans with Navient and have spoken with several customer service reps regarding my student loan repayment plan. I have been working for a Non Profit organization for almost 6 years. I told them that i would like to ensure that whatever repayment program I am placed on qualifies me for loan forgiveness based on the fact that I work for a non profit organization. I was very angry to eventually realize that Navient does not do the loan forgiveness program and that my loans will have to be signed over to XXXX XXXX and I had to be on an IBR repayment in order for my payments to be counted as qualifying payments. Navient placed me on a standard repayment plan, which I have called several times asking if this repayment program qualifies me for loan forgiveness through my employer and I was told yes. Through my own research I realized this was not the case, unfortunately not until late last year. I had my loans transferred to XXXX, only to be told that none of my payments that I have made to Navient for the past 5 years will be counted towards my loan forgiveness period!!! I am very upset that my 10 year calculation just started in XXXX of 2016! I will not be getting credit for 4 years of on time payment! Navient id a rip off and was only concerned about my payments which may I add was almost double what I am paying now in a qualifying program. They need to be held accountable for jeopardizing my loan forgiveness period and ripping me off!
All I know is that this account is showing up on my credit report and I have no knowledge of account or any business dealings with this company
Experien Refuses to investigate and provide documentation of such for XXXX accounts that are past the date of first deliquency. Information in thier records is inaccurate. I have attached a copy of a previous credit report I obtained from Experien showing that they changed information they had on file. They have carelessly ignored my requests to remove these items. I have attached copies of XXXX accounts.
I have received repeated ( daily ) calls from Midland Credit Management , Inc . They call late at night because the company has outsourced debt collection to XXXX and representative do not know the time in United States. In addition, the representative that call and answer company 's phone use fake name to appear as if they are calling from the United States. They are rude, overbearing, and lack a demand of the English language to effective communicate. The company has given me the runaround in my attempt to get them to stop calling my home.
I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, XXXX, but both have claimed they are unable to do anything at all. XXXX will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called Chase bank, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by Chase that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.
I have a Capital OneXXXX XXXX XXXX account. It shows a late payment on this account that is NOT correct. I have disputed this with the credit bureaus and also with Capital One directly. They claimed they investigated this and they are reporting correct information. There is NO way this is true. 
It was paid off and the last payment made was in XXXX of 2016. I was told this on the phone with CapiTAL one and then it shows this on my credit report. Some how they then claim I made a late payment 2 months after this account was paid off. This is impossible to have occurred. I tried to tell them this over the phone and they refused to speak with me about it over the phone. They said that I had to send a letter to their dispute center. I did so and explained there was no way this could have happened and it has STILL NOT BEEN CORRECTED. 
I tried to explain this to the credit bureaus and to Capital One and they have refused to change this and they have left me with no options to get this corrected. What they claim is not possible and I have no documentation to support this because there were NO PAYMENTS DUE after XXXX of 2016.  XXXX  accused me of being a liar, and that was supposedly a manager of XXXX. 

I am very frustrated because this account is causing me great harm and has been for a while now. I want this account removed now! I would also like something to be put in place to help others in this situation. There needs to be an easier way to resolve these types of situations without having to file complaints to get someone to listen to you. I have spent hours of my time and money arguing this with them and this is COMMON SENSE! It is NOT Possible to have made a late payment 2 months after he account was paid off and the last payment was made. There is NO WAY ANYONE INVESTIGATED THIS because if they had, they too would have realized this is a false claim.
The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX 2. XXXX 3. XXXX However I do believe I was a part of the Transunion glitch and would like all inquires removed.
I received a letter in XX/XX/XXXX from XXXX XXXX advising that my credit card application was declined, but I never submitted an application. I sent a letter to XXXX XX/XX/XXXX XX/XX/XXXX advising that I never submitted an application and asked them to remove the inquiry. I also asked for a copy of the application. They responded on XX/XX/XXXX advising that the application was completed on XX/XX/XXXX, but did not provide the application as requested. This information is false. I never applied for a credit card with XXXX XXXX and I want the inquiry removed.
I received a call from a person claiming to be from XXXX XXXX. This person confirmed they were calling about debt, but refused to identify the debt. I have a right to know what they are calling about. The person hung up when I called back, she kept hanging up on me. She was told to never call again.