WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a private student loan with my father as a co-signer through XXXX XXXX XXXX ( XXXX ) while attending XXXX University XXXX. After I withdrew from school, I used used up all the deferrment and forbearance options while trying to work and pay off loans and living expenses. At the moment, I am 147 days behind on my monthly loan payments through XXXX. I have spoken with them and they are attempting to work with me to keep my loans out of default. However, both me and my father are also being continually contacted by agents from Simms and Associates, a collection agency out of XXXX, who says that they are servicing this same debt and seeking payment. They keep telling us that we must make some sort of immediate payment to them to keep the loan from defaulting, going " outside their office '' and causing them to seek a judgement against both my father and myself that would include garnishing my wages and taxes as well as garnishing both my father 's social security payments and his pension. I have repeatedly told the agents from Simms and Associates that I am working directly with XXXX and they tell me that my loans are not in default at the moment and that they are currently not seeking any judgements against either me or my father. Nevertheless, the agents from Simms and Associates maintain that I am to pay them and not XXXX directly in order to avoid garnishments. 

What I would like to do is keep working with the service providers at XXXX to keep my loans out of default, but I am unsure if I should take the threats from Simms and Associates seriously and, if so, if I should be making payments to Simms and Associates or keep making payments to XXXX. Furthermore, I would like to make myself as the primary person responsible for this debt the contact person for all calls, letters and other communication and stop them from harassing and threatening my XXXX father about garnishments on his social security and state pension. 

I hope there is some way to find a solution to this problem that will work for everyone involved? I am more than willing to make payments on these loans, but I need them to be payments that work within my budget and place responsibility entirely on me and stop the harassment and threats to my father.
Its none of the issues i listed it is harrassment that has taken place .Im late on my payday loan which is my fault im now being harassed.prior to being late before that i was on time every time my loan was almost paid off.I did fall behind and had to speak with a lawyer about bankruptcy due to the harrassment i was receiving which i really did n't want to do because of course i wan na pay back the loan but the calls to my job threating me saying your coming to my job also telling me i didnt pay enough towards my loan i came in and gave what i had.i was going to bring in what i had everyday just to try and get it paid .the harrassment came from lvfinance employer XXXX and XXXX very rude people and i told them dont call My job if im answering your calls.I spoke with XXXX and before he hung up he said im calling your job now which is un called for.Also he told me i will call you everyday which is fine i owe you but to say im coming to your job and tell my supervisor which is breach of privavcy.I wanted to pay back what i owe credit is everything but the harrassment from this man XXXX will not be overlooked i will do all i can to make sure this man is known about.The calls came and i called back but my job do have the calls logged in the system and the head manager does recall the call where XXXX told him they will be at my job if i dont call back which i was working so i could n't call job policy no cellphones on work floor.On my break i called and the nasty amd rudeness was what i endured im 2 weeks late and the yelling and rudeness when all i wanted to do was set something up with him.I did let the best of me come out and yelled back but you get nothing resolved with XXXX people yelling.This company harassed me at my job that 's my main complaint.
Debt Collection AgencyReal Time XXXX has constantly harassed for debt that is not mine. My ex-husband has full access to my social security number, driver 's license, bank accounts, and other financial data. I did NOT authorize this debt. Please provided hard copies of documentation from loan initiation including my physical hand signature and date. I would like this debt removed from my file because I did not authorize these charges.
Hello, I started a loan modification on  XXXX  which is 3 months prior to when I was told to commence my loan mod for my HELOC loan that was coming due with SLS on  XXXX .   I have been working diligently with SLS to complete this loan mod. Its now been 7 months.   My credit was always  XXXX  all my life. Because of the grossly laps in time that is takes to complete this process  my credit score a s of  XXXX  is now  XXXX .   It is SLS protocol that SLS will not accept nor allow me to continue to make my monthly mortgage payment to  SLS  during the Mod process because the loan matured on  XXXX .   I find is extremely unfair, unjust and outright damaging to me that all my life I have significantly made my credit of importance to me and now in a matter of 7 months my credit is destroyed because I am not allowed to continue to make the monthly payments like I have in the past not missing one payment and by the way I am financially able to make the payments.   SLS should NOT be reporting to the credit agencies during the loan mod processing time it takes to finalize this mod process and damaging my credit for absolute no reason at all.
Has to do with complaint number # XXXX. According to the Florida Hardest Hit Program includes two assistance programs, an Unemployment Mortgage Assistance Program ( UMAP ) and a Mortgage Loan Reinstatement Program ( MLRP ). The HHF Program will provide assistance in the form of a subordinate mortgage loan. ( HHF Loan ) to the homeowner. The HHF Loan will be evidence by a Promissory Note, a Rider to Promissory Note, and a Subordinate Mortgage ( collectively, the Loan Documents ). The Loan Documents, including requirements contained in the HHF Approved Letter, contain the terms and conditions that will govern the HHF Loan. With that said, once Nationstair Mortgage and/or Mr.Copper accepted these terms set by HHF Program, then under those terms and conditions. Under the Rider to Promissory Note Section D. : ( The owner or servicer of the Borrower 's First Mortgage Loan must agree to accept and apply the HHF Loan proceeds to the contract payment due under the Borrowers First Mortgage Loan, and where the HHF Loan proceeds are advanced for reinstatement, must agree to reinstate the First Mortgage Loan. also under the UMAP & MLRP you receive a maximum payment of {$18000.00} towards the installments of principal, interest, mortgage insurance, escrow amounts for taxes, insurance and homeowners association fees. Which also where included for the next year monthly payments. Paid out by Florida Hardest Hit Program. Therefore, as you stated in your response letter to me, The funds provided were not enough to bring the account to current standing. The Florida Hardest Hit Program would not have continued to make payments towards anything that would have to due with the Mortgage. Furthermore, if you accept the terms they provided, then under these terms, you have to make due with what you got. And bring the account up to a current statues.
I have sent letters over and over asking the credit reporting agencies to verify or provide documentation his account ( XXXXXXXX XXXX XXXX XXXX/charge-off ) belong to me and i have not received anything. This letter is a formal request to bring my credit report in COMPLIANCE with XXXX data standards. I know that the credit reporting agencies are fully aware that credit reporting laws ensure that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the credit reporting agencies disclose to me all of the documents they have recorded and retained in their file at the time of this request concerning the accounts that you are reporting in my credit report. If the credit reporting agencies do not have any documentation in their files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.
XXXX is reporting erroneous information on our credit report from XXXX XXXX after an investigation. It is reporting a late payment in XXXX 2017 and that in incorrect.
Cons Managed called me at XXXX XXXX/XXXX/2015 on my private cell number looking for a XXXX XXXX . I informed the caller that I did not know a XXXX XXXX and that they were calling me at my private number and needed to stop. The caller told me thatthey could not take me off their call list and then I demanded to speak to a manager. The caller told me that his manager was standing next to him and that she did n't want to talk to me. I informed them that I would report XXXX, TX Cons Managed at : XXXX XXXX XXXX that I would report them for harrassment.
Every time I try to submit an online dispute, the Experian system says " our system is down ''. My credit score dropped XXXX points over night from XXXX XXXX, 2016 to XXXX XXXX, 2016, and I 'm trying to find out why. Every person at Experian says they 're unable to tell me why my credit score decreased by XXXX points. Per my record, my overall credit utilization has decreased. Per my record, I have paid all my bills timely for a consistent period of time, Per my record, my outstanding balances on credit cards and installment payments have continued to decrease. Help me better understand why my credit score dropped over XXXX points and what justified that significant of a decrease. Because of what I believe to be an invalid entry of information, this is going to result in potentially lethal consequences for me, as I can not buy my XXXX medications. This issue must be resolved within 24 hours in order to avoid potentially adverse and potentially harmful impact human life since this adversely impacts my ability to obtain medication and other things for living.
I have an item on my Equifax report that is not mine. It is a debt from XXXX XXXX XXXX XXXX. This debt is not mine and needs to be removed from my credit report.
I filed a complaint with the XXXX about XXXX, formerly XXXX XXXX. This is a gas procurement service that is billed through my utility XXXX XXXX XXXX. It is impossible that there is any debt, and I feel that they sent me to collections as retribution for filing a XXXX complaint against them. My account with XXXX XXXX XXXX is current and paid. However, I received a collections notice that looks legitimate. I also received a phone call from a different collections company.
The lender always want me to pay more than, I can afford on a monthly basis. My loans is always in forbearance status. The amount has triple.
This is a formal complaint that you are reporting inaccurate information on my credit report that is damaging my score. 

I paid this account thinking it would help my credit and be corrected but it did the opposite. 

Here are the inaccuracies or the inconsistencies between all there reports : Account Status : XXXX - Derogatory XXXX - Paid XXXX - Derogatory Terms : XXXX - 72 months XXXX - 72 months XXXX - 0 months Last Reported : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Comments : XXXX - Payment after charge off/collection. Paid profit and loss XXXX - Unpaid balance reported as a loss by credit grantor. 
XXXX - Paid charge off Auto Date of Last Activity : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Date of Last Payment : XXXX blank XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
My loan is with Navient ( XXXX XXXX ). The disbursement date was XXXX/XXXX/XXXX and the original loan amount was {$8200.00}. Since the first payment on XXXX/XXXX/XXXX, {$11000.00} has been paid on this loan and {$9200.00} has gone towards interest. This company has reported negitively to the credit bureaus untrue information, harrassed me via phone and email, lied about not receiving payments even after they received proof. The account is 5 months past due and I have made every effort to rectify the situation but they are unwilling to work with me. Ideally, I would like to settle but for a way less amount. I called Navient on XXXX XXXX, XXXX to make an offer of {$1000.00} and they countered with {$9000.00}. This is not something I can afford. Please help
This afternoon I attempted to contact Renton Collections over the phone to find out additional information about a collection account they were reporting with the original company " XXXX Inc ''. I suspect it may have been a medical item that should have been covered by my insurance. After verifying the account number on the credit report, my DOB and my address, the representative refused to speak with me because I would not provide my Social Security number over the phone. A XXXX representative got on the phone, then said he was going to put that I was refusing to identify myself and said he 'd transfer me to a supervisor so I could " talk about my feelings '' and was dismissive about my concern and need to address the issue on my credit. He was clearly intending to upset me any way possible, while not providing any additional information about the debt on my credit report. The supervisor ( XXXX XXXX I believe was the name ) was incredibly rude, would not assist me even after I provided my DOB again and informed her I had provided both the account number and the address. When I tried to explain the situation about how the other representatives would not assist me even with the requested information, said she would put me on hold and I could hang up whenever I 'd like. I identified myself, with the exception of not providing my Social, a practice that help prevent identity fraud. I do n't have sufficient information to get this resolved, so I have tried calling XXXX directly, but their billing department was closed.
I was in default on a loan XXXX. XXXX Bank sold my loan XXXX, based in XXXX XXXX, CA in 2011. I have continually asked XXXX to provide me with statement indicating my balance and the interest rate that I 'm paying. They do not provide me with anything. I have tried to contact them via the link on their website so that I might have something in writing indicating that I have made this request many times. The link does n't work. I have called and asked for a statement and settlement amount and my " representative '' told me I was rude for asking, he would not give me a settlement amount, and hung up on me. I called again and asked for a direct email address to his supervisor as well as his supervisor 's name. He hung up on me. The balance on this loan does not appear to be decreasing. I have first tried to file a complaint with the XXXX in order to get the simple paper statement and settlement amount I have asked for. XXXX has a D- or F rating with the XXXX and they will not accredit the company. I am at a complete loss as to what I can do. I would like to settle this balance as soon as possible so I can start to work towards improving my credit rating which dropped so precariously several years ago when the economy turned. I can not settle this balance and be done with this collection agency if they wo n't respond to my requests and continue to hang up on me.
We strongly feel that there is a conflict of interest / collusion between NVR Mortgage XXXX XXXX, NVR Builder ( XXXX XXXX ), NVR Settlement and XXXX XXXX XXXX XXXX XXXX. We paid these companies to represent us, not NVR Builder ( XXXX XXXX ) and we do n't feel that this occurred. There were numerous times that either mistakes were made or these companies did things that were not in our best interest. We strongly feel that we paid for services that we did n't receive. As a customer I felt we were held XXXX and paid fees for little to no representation.
I have a reverse mortgage with RMS, Reverse Mortgage Solutions, with many addresses, two of which are printed on the monthly statement ( foot of statement address : RMS, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, XXXX ). 
On the XX/XX/XXXX statement ( see attached file ) the finance charge was {$170.00} and the XX/XX/XXXX statement ( see attached file ) finance charge was XXXX, an increase of {$41.00} in interest within 10 months.
There is a mortgage listed through Ditech # XXXX which should not be listed as profit and loss and that I owe. The home burned down and insurance coverage was on this home which paid. This needs to be removed it is false
I applied for accounts with Ally Bank and they opened my accounts made money transfers from my origianl checking account and then blocked access to my Ally accounts and wo n't give my money back. They say they could n't do the credit check and think I 'm fraudulent. I told them never at any time on their website did they tell me they would do a credit check and I was a victim of id theft a few years ago and froze my credit reports. They refuse to give the money back. They should never have opened accounts or transferred my money to their accounts if they could not do the credit check. And they should have advertised and told me online they do credit checks.
Sears credit card : I mailed my payment in for the full amount of {$22.00}. The due date was XXXX/XXXX/16 ( a Sunday ). My payment arrived on XXXX/XXXX/16 ( a Monday ). My next bill showed a payment amount and a {$2.00} interest charge. I was confused because under late fee it said {$22.00}, but I sent in my {$22.00}, so I sent in the {$2.00} thinking that was because I was one day late. The next bill came and now it said I owed {$48.00}. I could n't imagine how so my daughter looked into it and we realized that they said I was late ( even though on this site it says that it should not be late if the mail is n't delivered on due date, and the payment arrives the next day ) AND that they had charged me a late fee of XXXX % of my due amount ( {$22.00} ) which was not only outrageous but confusing. So I called the account question phone number and they would n't do anything. In fact they tried to tell me that if the due date is Sunday I have to have it mailed there by Saturday. I have filed a complaint with them but am worried that they will continue to add charges OR if I pay it, they will not eventually reimburse me. Also, I ca n't imagine why their computers do not adjust for the due date on Sunday event where payments received by mail on the next day, Monday, should be considered on time, and therefore probably are illegally charging late fees to many people.
I was at my XXXX during 2012 and I XXXX. My Primary care physician contacted the XXXX XXXX Police and they handcuffed my and took me to XXXX XXXX XXXX. I told both parties that my MCO did not cover hospitalization. They insisted that I be committed for evaluation. I tried to sign-out XXXX ( XXXX ). I was denied. However XXXX XXXX and one of the medical providers billed me for this service. I became homeless and my case manager submitted a hardship waiver. For the most part the majority of the bill was waived. However, this one particular provider ( XXXX XXXX XXXX ) did not and they 've sent it to collection. Now under the 8th amendment of the US constitution all pretrial or post convicted prisoners are afforded medical treatment while in custody. Because of this constitutional right, I contend that I should have never been responsible for the bill in the first place.
i went on a 7 month deployment XX/XX/2016 my car was left in the care of someone while my wife left the state they left it in a parking garage and someone stole the wheels from the car. i reported the car stolen in XX/XX/XXXX or XX/XX/XXXX because it was not parked where it was said it was parked. they found the car in XX/XX/XXXX it was stored in the insurance lot from XX/XX/XXXX until XX/XX/XXXX when it was placed in the lot all that was said was wrong was the wheels had been stolen. my wife had contacted XXXX and they stated it was just the wheels we paid {$400.00} dollars to get the car towed to a collision center. while at the collision center they told us that the car was totaled they would not work on the car due to the interior was ruined with mold all over the interior including all electronics. we tried to get XXXX to send another adjuster to look at the car and they refused to send someone out to look at the car. XXXX only gave us money for the wheels and closed the claim. the car was sitting in the collision center for 3 months before everything was said and done with the insurance claim with a storage fee of {$95.00} a day. i had no option but to have navy federal reposes the car because i could not afford to repair the car myself and get it out of storage. the car has since been repossessed and sold. i had to get another car loan through a car agency. and tried to refinance the car i no longer had to lower the payments so i did n't have to make 2 car payments of {$400.00} a piece for a car that i no longer have. i was denied the refinance of the vehicle.
My goodness I have been through it with getting information on my Credit Report changed. Equifax, XXXX and XXXX have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on XXXX occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.
From XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have been making unauthorized debts from my checking account every month totaling what I believe to be a total of {$930.00}. I contacted both companies XXXXXXXX XXXX and XXXX XXXX about the charges and they confirmed my verbal cancellation and my absence from the institution, they stated that a written confirmation was needed, which was not stated to me as I left the gym XX/XX/XXXX with the previous managers made aware of my cancellation. I contacted my banking institution Navy Federal Credit Union and they found the transactions and updated my bank account and billing information with the company without authorization. This was due to a previous incident with my identity being stolen and being issued several bank cards along with a new bank account number. Currently they are stating Regulation E which provides regulation of bank transfers. This however is not enough due to this account being updated by my bank Navy Federal Credit Union. My next step is to make a lawsuit involving all three parties Navy Federal Credit Union, XXXX XXXX, XXXX XXXX.