WillisBack/dataset-financial-user-claim huggingface dataset:
Good day XXXX, I want to say that I am XXXX XXXX veteran XXXX female. I am not sure if you are the right agency to contact about my personal concern with how I was questioned by a financial institution when I requested and applied for an online loan. I applied for a small home improvement loan through I can not remember if it was through XXXX or XXXX. OneMain Financial online lending institution was one of the potentially interested online lenders of my application request. It was about XXXX XXXX, XXXX, the agency wrote to me through email asking me to call. I called and was asked a bunch of questions about my monthly incurred living expenses. If I remember correctly he took down the information and said that he would get back to me. I received a call one morning when I was asleep I answered the telephone and it was OneMain Financial calling waking me to ask more questions when I thought that I had answered everything on the first call. If I can remember it correctly I was still sleepy not really focused for the day ahead of me and he asked me out of the clear day if I ever filed a bankruptcy. I struggled to understand what and why he was asking I am also moderately hearing impaired. So I repeated what I thought he said however I asked if he asked me if I filed for bankruptcy in the last seven years. He repeated had I ever filed for bankruptcy I remember thinking can he ask me that? I thought I was protected if it was more than seven years ago and that I did not have to answer. I was perfectly willing to be told no OneMain Financial would not loan to me. He insisted as I said I was waking up and I did not want to respond but found myself responding yes. He asked when my bankruptcy was filed. I told him in XXXX XXXX. That was more than 20 years ago and I was frightened into it by the creditor XXXX threatening that they would send XXXX truck to my living place to pick up the money that I owed them. I was scared and I filed rather than be subjected to intimidation I had also recently received a telephone death threat and we were talking by phone. I received another call by a female who asked me similar questions as the first XXXX people and instantly told me I could not be approved. My concern is did this online financial institution OneMain Financial have a legitimate right to ask me about my credit 20 years ago when I had lost a job, and was near homeless. That XXXX XXXX on my birthday I was evicted and spent 10 years homeless. I was reminded of that period of time in my life it caused me emotional distress. I hope if you are not the right agency that you XXXX will point me hopefully in the right direction of who I should direct my concern to. Thank you.
On Saturday XX/XX/XXXX, I did a bill pay at PLS CHECK CASHIERS on XXXX XXXX XXXX XXXX XXXX, Ma XXXX Of {$2700.00} and paid for a next day service Of {$2.00}. To XXXX XXXX XXXX for my Mortagage payment. On Wednesday XX/XX/XXXX, I checked my Mortagage account to see if it was updated with the payment and it wasnt. 
So I then call the PLS phone number on the receipt and I was told to come in store with the receipt, which I did. 
I spoke with the shift supervisor, she contacted PLS customer care, I spoke with the agent, the agent contacted My Mortagage company ( XXXX XXXX ) we were on a three way call trying to locate the transaction, however it was unsuccessful, the PLS agent was unable to track the funds, I was adviced to wait until XXXX for PLS to trace or locate the transaction as the funds were unable to be refunded to me until XXXX XXXX either receive the payment or reject the payment. I called the XXXX XXXX, payment was not received, I then called back PLS customer care, I filed complaint and was advice that someone will get in contact within 24hrs, which no one did so I called back and spoke with a PLS CustomerCare care manger explained to her the issue, ask if she could track the funds, and her reply was that shes unable to track or locate the funds. I asked her what must I do and she said she does not know. Its now XX/XX/XXXX and My Mortagage company still havent received this payment for XX/XX/XXXX. It is now reported to the credit bureau, which will affect the credit rating. 
Please note that I have been making payment using this method since XX/XX/XXXX. Also the account number on PLS receipt is the correct Mortagage account. 
Im just appalled that PLS was unable to track or locate the funds and seems nonchalant about the missing funds.
XXXX XXXX is reporting an acct on my XXXX that I never owned. They site Citi Bank as the original creditor, but Citi Bank has verified that thy have no record of any accounts for me. I have never had an account with Citi Bank. I filed a police report for fraud and provided it to XXXX XXXX, but they still refuse to remove the account from my credit file. The date of the City Bank account is XXXX XXXX, {$3200.00}.
Great Lakes has just initiated a new policy. Based on the way monthly payments are not structured, borrowers pay higher interest rate. Under the new policy, all auto-pay payments are processed on the XXXX - the last day of the billing cycle. If a borrower wants to then make an additional payment, it will be applied to next month 's minimum loan amount ( instead of the principle of the highest interest loan ). 

For example, I made my monthly auto-pay on the XXXX of XXXX. Less than 24 hours later, I made an additional {$900.00} payment so the entire payment would be applied to the principal of my loan. Great Lakes informed me that the additional payment is now being applied to the *next* billing cycle ( XXXX ). Instead of lowering the principal of my loan, it 's being applied as a minimum monthly payment for XXXX. 

If I were to make the {$900.00} payment earlier in the month, ( on the XXXX, for example ) before the auto-pay processed, I would be paying interest from the date of that payment until auto-pay. So my {$900.00} payment on the first would be applied to the minimum monthly payment and then I would pay interest for two additional weeks until my autopay processed on XXXX XXXX. Instead of paying on the first, if I make it on the XXXX, the payment goes to the next billing cycle and is applied as my minimum monthly payment. Inevitably, this means that borrowers pay additional interest on their loans. 

( Prior to this, a borrower could pay via autopay and then, within the same month, make a payment to lower their principal. I had done this for months until Great Lakes instituted this new policy )
Almost daily automated calls leaving messages they call " courtesy '' call about a debt that I do not owe as it is not and never was mine. I have no overdue bills, no cosigner obligations, nothing of the sort. The automated calls state " This message is being left for '' [ what sounds like ] XXXX The message states that this is a final call before action is taken, mentions attorneys and a case number. The number on caller ID is XXXX and shows XXXX XXXX, TX as the originator. I called the number and asked who they are and why they are calling me and the person hung up on me when I pressed them. This has been going on for months, though not quite as frequently as it has of late.
I have disputed the late payment status reported on the account XXXX/XXXX, LA CHILD SUPPORT ENF with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.
While looking at my history, I noticed I was charged XXXX on XXXX/XXXX/XXXX for a Repayment Fee. I have never heard of such a thing. I believe this to be an illegal fee, snuck into my loans that I 've been paying interest on. I believe Navient owes me back interest as well as this fee. 

Further more, I have been charged disbursement fees, which I also have n't heard of. They were : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I question the legality and validity of these fees.
On or about  XXXX  I contacted _express recovery__. Regarding a debt I was told I had on my credit report. They said it was a medical bill I received while visiting utah, during  XXXX . I had insurance at that time that paid my medical expenses. I told the woman the report said I owed {$2.00}. She stated I owed due to interest. I told her I would pay the original amount only due to the fact I just became aware the insurance had not completed payment. She said she would settle for half the interest if I sent the check. I needed verification and did not receive any. Later on in  XXXX  I received a call stating I owed and I told her of the phone call and agreement I told her to speed the process send letter via email. The woman accused me of knowing about debt and i said ye s 2 week  's ago when i called. When I opened the email today  XXXX   XXXX  the payment agreement was not what was told to me. It did not disclose the original debtor, or the amount on my report.She had tried to say the payment plan was due the same day as the letter and I was to pay the balance of interest. NOT THE AGREEMENT I MADE! The letter does not state an account number.
ALL CREDIT AGENCIES LISTED ACCOUNTS NOT MINES AND OUTDATED REPORTING WITH CONTINUE TO REFRESH DATA ... REMOVE ALL FROM FILE ASAP ... '' PUBLIC RECORDS/ BK CH XXXX, XXXX XXXX, XXXX, XXXX , XXXX, XXXX ''
A debt collection company keeps calling me about an outstanding medical bill. They never tell me which company they are with. I have told them numerous times that they may not call me when I am at work and that they must call me after XXXX so that I can be off work when they call. They are still calling when I am at work and will call me XXXX times daily. I have told them I would be happy to pay the bill if they would mail me a settlement statement or some kind of paperwork saying the total will is all I owe and once I pay it will be paid in full. They are refusing and keep saying me they will send me a paper statement but I never receive one. They keep trying to coax me into paying over the phone. I told them I would be happy to send a check in but that I will not pay over the phone. They get mad and keep insisting I set up a phone payment for a later date. They still will not send me any kind of settlement papers or even a statement. I just got another call today while I am at work. They said they wo n't call me until after XXXX anymore but they keep calling before XXXX anyway. Usually around XXXX but sometimes early in the morning and sometimes at XXXX. They are not making it possible for me to pay them with a check and will not stop calling me multiple times a day. I am fed up and want to get them out of my life!
Equifax is in violation of FCRA laws. Instead of conducting a reasonable investigation of my dispute they have continued to " parrot '' the creditors clearly inaccurate portrayal of the account in question ( XXXX ). The creditor has routinely refused to report the date of closure and date of last activity, and rather than correct the erroneous information they update the aforementioned field by leaving them blank. This allows them to continue to report negative information on an account that has been closed for several years.
HARD INQUIRIES THAT NOT AUTHORIZE
EXPERIAN XX/XX/XXXX

XXXX XXXX/XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX, Used
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX, DE XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX, DE XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX, DE XXXX
(XXXX) XXXX 

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX, VA XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX, VA XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX, VA XXXX 
XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX, NV XXXX
(XXXX) XXXX 
XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX, NV XXXX
(XXXX) XXXX

XXXX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Complete Department Stores
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
(XXXX) XXXX

XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX

XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
Mail Order Houses - non specifc
XXXX XXXX XXXX XXXX XXXX, WI XXXX
(XXXX) XXXX

XXXX
XX/XX/XXXX
XX/XX/XXXX
Auto Reseller
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX

XXXX/XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Automobile Dealers, Used
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX 

XXXX/XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Automobile Dealers, Used
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX

XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Miscellaneous All Others
XXXX XXXX XXXX XXXX, WI XXXX 
BYMAILONLY

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX

XXXX XXXX XXXX XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXXXX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX

XXXX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Mail Order Houses - non specifc
XXXX XXXX XXXX XXXX XXXX, WI XXXX 
(XXXX) XXXX

XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
All Banks - non specific
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
(XXXX) XXXX 

XXXX XXXX XX/XX/XXXX
XX/XX/XXXX
All Banks - non specific
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
All Banks - non specific
XXXX XXXX XXXX XXXX, CO XXXX
(XXXX) XXXX

XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
All Banks - non specific
XXXX XXXX XXXX XXXX, CO XXXX
(XXXX) XXXX
TransUnion credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Experian. I just do n't get them, maybe just " good enough '' is OK these days. 

1-The XXXX XXXX account, the last line, there was NO bankruptcy filing in XXXX of XXXX 2- XXXX account, we gave gone round and round, all they did was delete the XXXX history. Both XXXX and XXXX deleted this account, I sent that info last time to you. 
What is n't addressed : This account was paid through the court in my chapter XXXX and discharged. to report anything different is a violation. Either they sold the account and received funds ( it was actually sold to XXXX XXXX ), who also received a check from the Court. It was sold, when? how come it says {$7000.00} written off? They are in violation of court case : In re XXXX, Case No. XXXX ( XXXX XXXX XXXX/XXXX/XXXX ) ( XXXXXXXX., XXXX ) you ca n't report erroneous or false information. 

" If the Credit Union is going to report on this debt and the receipt and timeliness of payments ( and the Court is not suggesting that this is required ), then the claim as altered by the confirmed plan, rather than the original loan agreement, should form the basis for the report '' Also, they never miss an opportunity to offer a score for {$8.00} dollars, what a scam-see attached " Results Notice ''
In XXXX XX/XX/2012, a police officer assaulted me in Florida then the unit on site sent me to the hospital involved with XXXX bills listed on my credit reports : XXXX # XXXX and Fox Collection Center # XXXX. I find the facts that I was sent to a hospital outside of my permission, did not sign any authorization for treatment, then was charged for this event as humiliating, degrading, and disrespectful. Since XX/XX/2012, I have received numerous debt collection letters related to this event that was dismissed by the Florida court system and remains on my record. I reported this to a representative of XXXX, and the accounts were considered accurate.
The credit bureau is refusing to delete three collection accounts on my report that are not mine. They are all reporting under the same collection company called " XXXX XXXX XXXX '' for different amounts. The first account is for {$1100.00} with account number # XXXX and an open date of XX/XX/XXXX. The second account is for {$1400.00} with account number # XXXX and an open date of XX/XX/XXXX. The third account is for {$2500.00} with account number # XXXX and an open date of XX/XX/XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.
My loan was serviced by Greentree previously and than transferred to Ditech on XXXX/XXXX/XXXX. I have 2 complaints : 1. I realized I did not receive my XXXX when completing my XXXX taxes so I requested online. I received multiple letters telling me that they were " in the process of reviewing your request. Our research has not concluded. '' What research was needed for printing a XXXX to send? First week of XXXX, I received 1 letter size envelope and 1 legal size envelope. They both contained printed copies of 12 monthly statements rather than the XXXX I requested. It took 2 months to have 2 different people taking copies of my statements rather than sending me the XXXX? 
2. My last payment is due this month. I tried calling 4 different days and times to ask if the final payment needed to be mailed and to stop the auto payment. The recording indicated it could not process my request since my loan was recently transferred and it would take a couple of weeks to receive the paperwork. My loan was transferred almost a year ago ( in XXXX )! There was no other options given on the recording to speak to someone. It just said " good-bye '' after the other message. I went online to make an online payment. It did not work. At this point, I was in a panic so I went to USPS and mailed my final payment check for next day delivery ( paid {$27.00} ). My account shows the check cleared XXXX/XXXX/XXXX. However as of today ( XXXX ), the payoff is still not reflected on my account. 
As you can see, I made every effort to make my final loan payment. However, Ditech made it impossible to speak to anyone or make my payment on time. I believe this was way for them to show me delinquent on my last payment and to charge me late fees. Just like Greentree before them, it shows the incompetence ( sending monthly statements rather than a XXXX ) and the shady way of doing business ( to have my loan go delinquent and to charge a late fee ).
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/18 and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Hi m name is XXXX XXXX XXXX my date f birth is XX/XX/XXXX and my ss # ends in XXXX In XXXX/XXXX/XXXX I contacted AFNI the collection agency that has my debt of XXXX from XXXX and the agent who answer the phone said they are not able to fine my account neither with my social security number or my name or my date of birth so they ask me to contact XXXX which I did the same day and their collection department told me the same thing AFNI told me they were unable to find anything yet they are still reporting on my credit so I want them to close my account and removed that from my credit report today I called agin and I had the same answer.
Navient is repeatedly calling my husbands mom, his step dad and now their land line. They are also repeadely calling my mom and dad and now my employer. I have told them in XX/XX/XXXX to stop calling my husbands mom and step dad as well as my mom and dad as they have my number. I also told them to not call my place of employment. I told them to stop calling me 4 times a day When i talk to them they threaten me that because my loan is in default they can get a lean on my house and wage garnishments. They repeatedly ask me for my finiacial information to post date a check of XXXX after i have told them i can not afford that right now due to my husband being part of the federal government shutdown and funds are tight. So now the lady today XX/XX/2019 threatens she will continue the collection efforts and she can legally call me 8 times a day. I told her i work night shift and to stop calling me during the day as i am sleeping!
I 'm in a 30 year fixed rate loan with Nationstar mortgage. For the last few years the payments have been relatively similar. Suddenly my statement indicates that my monthly payment will be going up by almost {$400.00} per month. I called them to see if I could get some explanation and was told that my escrow was short due to an increase in my property taxes or insurance. I asked them to tell me what had gone up and was told I would be transferred to the escrow department. I waited on hold for 45 minutes to an hour and just got the same recorded message over and over ; " they are experiencing a high volume of calls at this time, please continue to hold ''. I believe I was deliberately blown off so that I would hang up in frustration as it appears there are many people who have had a similar experience with Nationstar. I just want to talk to somebody in the escrow department to find out the reason for the sudden increase in my monthly payment, and to talk about other options for my home owners insurance ( if it turns out that this is the reason, as I suspect it is ), but I do not feel that they are being honest with me. I find it ironic that while I was on " hold " with the escrow department and never able to talk to anyone, Nationstar was still able to leave an automated message on my cell phone to let me know that they " urgently need to talk to me about my account ''. I would really appreciate any help I can get to deal with these clowns.