WillisBack/dataset-financial-user-claim huggingface dataset:
Before the end ofXX/XX/XXXX, I met someone online after 7 long years I 've been a widow, I never dated anyone so I thought I try the online dating, I did. For few months were corresponding, 24/7 communication through texting, emails, and calls..I fell in love with XXXX XXXX this was his fictitious name. During our correspondence he told me that he is working as a XXXX XXXX in XXXX business name XXXX, I checked it out then, it was all real and his name and photo was there, so everything seems to be valid and real. So then everything seems to be good. So, we continue to our relationship, I was comfortable, happy, secured, and inloved! Fast forward ... one day he told me that his company is about to give him payment for his finished construction project in XXXX government but he needed my help in order for him to get his payment to process all the documents to transfer the money in my account here in the US so when he comes and moved here financially everything would be ok. I believed in everything he said and I trusted him. So then, he said he needs {$8600.00} for the documents then, he sent me all the information of the XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, HIS account number XXXX and IBAN OR swift. He told me to put " GOODS '' on RECEPIENT PURPOSE of payment so it would be easy to send the money I went to the Bank of America to make the wire transfer on XX/XX/XXXX, the transaction was done. We had a good communication after that ... until around XX/XX/XXXX that 's when I found out I was scammed. I was manipulated. HE IS GONE!
I was shocked! devastated, ashamed, lost, XXXX, empty! I had to call the police to report this and advised me to call FBI and also file a complaint, and I did. I had to make an appointment to the FBI office to show them all the proof and evidence that I was scammed.
It 's been months I have been so XXXX. I had to see my doctor and seek a counseling because of this. I was /am XXXX.
I ask the Bank of America, CFPB and XXXX XXXX to help get my money back from the RECEPIENT 'S ACCOUNT. It is my savings account that I worked so very hard to earn it is a CLEAN LABOR AND SWEAT! Please help me. Thank you so much.
XXXX and Citi Bank choose to automate their responses and limit their options and communication. It's frustrating to use a touch tone phone and not get the assistance needed. The lack of conversation is outrageous. Nothing is black and white especially when it concerns credit. 

Please address this.
There is incomplete, outdated, and incorrect information reported on accounts that are reported closed. The accounts are : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XX/XX/2016.
I 'm a XXXX and currently begun my career. However, my income is not sufficient to cover my living expenses and pay for my student loans. Because of this situation I was delinquent on my Sallie Mae loan payments. I spoke with a gentleman named XXXX who is a Manager in the Sallie Mae collections office. We discussed my financial hardship and he advised me to bring my account current before they could help me with special hardship assistance ( lowering my interest rate and monthly payment ). I have brought my account current and called Sallie Mae to take advantage of the special programs that XXXX XXXX had covered. The Sallie Mae servicing department is not able to work with me because my account is not past due. I 'm being proactive about my account not falling into delinquency again but the only way Sallie Mae will offer me any hardship assistance is if my account falls into delinquency again. They are adamant that unless my account is delinquent that I can not speak with a Collections representative about special hardship programs to lower my monthly payment. The Sallie Mae servicing department is only offering me a financial forebearance for 3 months while the interest builds on my already un-affordable student loan. Based on my conversation previously with XXXX XXXX of the Sallie Mae Collections department the programs they can offer me a lower interest rate on all of my loans to that I can have a income dependent payment and do not fall into default.
My information was used to open a fraud account with Conns Credit Corp. for the amount of {$1400.00}. I submitted a police report, FTC report for Conns Credit and XXXX. I have been disputing this since XX/XX/2018. XXXX and XXXX   have deleted this claim with all of my proof but XXXX is not cooperating. Please see attachment to support my claim.
I was looking over my credit report and I received a notification on XX/XX/2018 from " Diversified consultants '' attempting to collect a debt of {$360.00}. The original creditor name is XXXX. My closing statement is I have no knowledge of this account what so ever and where it came from. It would be appreciative to have this negative item removed because its effecting my credit history. Thank you. Also, I have another complaint against another collection agency by the name of " XXXX XXXX XXXX '' who on XX/XX/2018, also is trying to attempt to collect a debt of {$760.00}. The original creditor is XXXX. Prior to this collection there was a previous collection with the same creditor ( XXXX ) by the name of XXXX XXXX with the balance of {$760.00} and it was later removed in XX/XX/2018. I would also like for XXXX XXXX XXXX to be deleted immediately. This is illegal.
Nationstar continues to send me incorrect billing statement, and refuses to correct any past billing issues. They continue to charge me {$68.00} for " lender paid '' expenses, and any excess payments disappear! The lender paid expenses in question were paid in full as of XX/XX/XXXX. Additionally as of XX/XX/XXXX an escrow analysis was completed, which increases my payments by {$48.00}, with a new monthly payment of {$1700.00}. My monthly mortgage statements reflect an actual payment due of {$1700.00}, this is only a minor difference of {$4.00}, but if it is happening to all Nationstar customers sounds illegal! 
Nationstar also refuses to explain or investigate how over 10k in payments, from XX/XX/XXXX- XX/XX/XXXX, disappeared! Nationstar assigned account representatives also lack common courtesy to reply to written communication. ( XXXX XXXX )
I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX, XXXX  and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
On XX/XX/2018 I applied for a conventional mortgage loan with Quicken Loans. After discussing a few mortgage options with one of their Mortgage Bankers, I plainly stated I wanted a loan estimate on a 30 year conventional loan. I've now requested the loan estimate 3 times in writing and each time the Mortgage Banker has replied with a request to talk over the phone. His written reply to my third request is : " Yes I know what the loan estimate is. I have a big discount in your loan and to send the loan estimate we have to fully approve the discount. In order for my director to approve that, we need to know that you guys are willing to move forward. '' This process seems backwards to me and somewhat predatory. Why would I commit to a mortgage without first reviewing all the details of that mortgage.
I received a call from XXXX this person left a voicemail stating I had an outstanding debt with XXXX. He provided my birth date and the last XXXX of my SSI number. He said I needed to return the call or he would be taking legal action with the State of Idaho. 

His exact words were " Summons for the state of Idaho for theft of services-check fraud. You can contact the party directly to clear this up '' and left the number above. 

That same day about XXXX minutes after I received this call my mother received a call. He told my mother his name was XXXX XXXX with the Idaho XXXX and that he was looking for me. He went on to say that I had a warrant out for my arrest and that it would be embarrassing if he had to pick me up at work. He gave my mother and name and number ( number listed above ) and told her I could resolve this by contacting that number. 

I called the warrants department in Idaho. I do not have a warrant out for my arrest. Also I did take a loan from XXXX several years ago. To my knowledge this was included in my bankruptcy. Regardless, this company is threatening and falsely representing itself. 

When you call the number above they refuse to provide any information about the so called officer or " the account '' but want you to settle by giving them a debit card number.
1. On XX/XX/2016 I made a prepayment of {$1000.00} to cover the XXXX, XXXX, XXXX and partial XXXX payments. On XX/XX/2016 a {$200.00} collection fee was taken out of my prepayment funds without consent and/or notification. That caused my prepayment amount to drop and owe {$24.00} for the month of XXXX. I spoke with a representative who advised that was done against company policy and it would be corrected immediately. However, it has not been corrected and now I owe. 
2. This company is reporting INCORRECTLY to the Credit Bureaus and it 's negatively affecting me. My balance should be {$10.00}, XXXX but is being reported as {$14.00}, XXXX. I 've made several attempts to have this information corrected but to no avail. 
Please see attached documents.
I received student loans while a graduate student ( XX/XX/XXXX-XX/XX/XXXX ). Upon graduation I started making payments through XXXX XXXX in a timely manner, and have never missed a payment. I Consolidated my loans at some point, XX/XX/XXXX I believe, and switched to the minimal payment plan at some point. 

I heard about the loan forgiveness program after working 10 years for a state agency, several years ago and assumed I was covered because, since graduation, I have worked for a state university since graduating. 

I found an article describing the forgiveness program and submitted a request to be considered as my tens years was coming up. I was immediately told I had to switch to XXXX XXXX ( by XXXX XXXX ) because they were they only loan company handling the forgiveness program, so I filled out the paperwork and had the loan switched to them. Throughout, I have continued to make payments every month on time ( they are directly drawn on my bank account ). 

After the account was switched ( XX/XX/XXXX ), I submitted the PSLF form to XXXX XXXX, who then informed me that I did not qualify because of the type of loan payment plan I had been on. Of course, I was never told by XXXX XXXX, or my other student loan company that the forgiveness program was dependent on the type of loan payment plan. Obviously, had I known, I would have switch. 

I feel I was duped in two ways : 1 ) by not being told about the ins and outs of the forgiveness program by either of the student loan companies ( XXXX XXXX or XXXX XXXX   ) ; and 2 ) for being told I had to switch to XXXX to to have my loan forgiven, only to find out I did not qualify ... I see this as bait and switch type promotion.
XXXX XXXX and XXXX XXXX have multiple inquires on my account that I did not authorize.
Dear Sir/Mdm, I am writing regarding the BBVA recent XXXX points promotion. According to BBVA offer, " The promotion will end at XXXX XXXX on XXXX XXXX, 2016. '' I made XXXX transactions - all are around two weeks of the XXXX finals. I was supposed to get XXXX points for these purchase. However, I was told by BBVA customer service that " Even though you purchased the items on the evening of XXXX XXXX, the purchases did not got thru the system until after XXXX XXXX. '' XXXX * XXXX {$4.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$6.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX {$970.00} XXXX/XXXX/2016 Posting an offer, promoting the company, and then rejecting to honor the offer, BBVA is misleading customers into doing business with them. I hope your agency can help correct such fraudulent practices. 

Thank you very much for your help. 

Best regards, XXXX XXXX
Please be advised I have requested validation { not verification } of a medical debt reported to you by PHOENIX FINANCIAL SERVICES LLC on XX/XX/XXXX. I received a response that clearly violates my rights according to HIPPA on XX/XX/XXXX. 

PHOENIX FINANCIAL SERVICES LLC, or the original creditor XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to the debt collection agency, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, this debt was paid by FL XXXX. I have attached my benefits approval letter and XXXX ID card to prove my case was opened in FL. 

I reached out to XXXX, XXXX and XXXX to let them know this debt is in violation of HIPPA but XXXX Or XXXX didnt delete it form my report, while Transunion did delete it..
I have apparently been impacted by the Equifax breach, which occurred between XXXX and XXXX, XXXX. I have applied for a 90 day fraud alert and am considering freezing my credit.
I do n't know how I got fooled by Trans Union 's website into agreeing to their credit reporting service. I am a somewhat sophisticated computer user but they still got me. Their web site needs to be fixed, to be more straightforward. 
XXXX XXXX XXXX XXXX XXXX # XXXX CA XXXX
I currently have 54 inquiries reporting on my credit report on TransUnion that are without a firm line of credit. I have circle all 54 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 54 inquiries should not be reporting on my Credit Report.
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Dynamic Recovery Solutions has been unlawfully harassing me every day Monday through Friday since XX/XX/2018 through today, XX/XX/2018 about a debt that does not belong to me outside of legally allowable phone call hours and they have continued to call despite my having repeatedly advised them that they have the wrong number - they refuse to state the name of the person they are calling for and keep demanding that I provide my social security number which I refuse to do since they have no legal authorization to contact me and keep ringing my phone outside of legal hours if they actually had a valid claim which they do not. 

This firm has a documented online history of unlawfully harassing and physically threatening persons who do not owe monies to them or anyone else.
This company will charge high interest for a quick turnaround payday loan and then you have to make the full payment within a short period of time. However, when you make your payment, they will not credit your payment and not contact you when your payment goes through and then charge you high late fees and then when you talk to them, they claim they contacted you and collections will yell and scream at you and claim that you owe them money, even when you made your payment. Do not trust these guys!
I am disputing a collection from XXXX XXXX XXXX ( in the amount of {$280.00} dollars ) that has appeared on my account. I have already paid in full the amount that was owed for the services performed. There should not be a collections on this account as the Original Creditor has already received complete payment as noted above, and this collection appears to be an error.
I am writing to dispute the following information. An error was submitted by XXXX XXXX on my credit report. XXXX XXXX reported the sale of property as a Foreclosure which is was definitely not. It was a Agreed Settlement ( account paid in full for less than full balance ) to prevent/avoid foreclosure.
I am unable to access my annual free credit report online, place a security freeze online, dispute an item online with TransUnion. Every time I try to access any of these services which should be free ( except adding the security freeze ) online I get an error. I have contacted Transunion customer service numerous times and they not helped with determining what the issue is with my access to online services. They either do not have or refuse to provide me with any technical support regarding their website so I can access my information.
XX/XX/XXXX received next monthly payment notice, which is common. However, because Specialized Loan Servicing doesn't want to understand, listen or even try to mitigate the problem regarding escrow account. On the monthly statement, they have included two billings for fees against the escrow account. 

XXXX XXXX XXXX ( XXXX ) transferred my mortgage loan to Specialized Loan Services ( SLS ). XXXX said they passed on all the paper work about the loan, including the paperwork showing the State of Oregon paid my property taxes. SLS said they didn't find the paperwork regarding the property taxes, which I suspect is a lie because they didn't look for it, and furthermore ignored the information relayed to them about Oregon paying the taxes. I talked twice to a gentleman about the issue, provided all the contact information for the Dept of Revenue on the tax issue, and they ignored this, too. They provided a notice that said the issue could be brought up to date if a payment of {$1000.00} was submitted. Again, it appears they have ignored all that has been said to them. The State of Oregon reviews the tax payment issue every two years, and this is that time again. Oregon has acknowledged receipt of the paperwork for re-certification for payment. The approval will not be issued prior to XX/XX/XXXX.  Once received, a copy can be forwarded to SLS, but I suspect they will feel entitled to fees. In the mean time, the Principle and Interest have been paid on my mortgage based on prior data. But SLS feels a penalty is due. They will NOT receive any such penalties, because a course of action has been provided, but they have thus far ignored everything. 

SLS isn't listening to me, and it appears my case is not original. This can be rectified, but on terms suitable to the situation, and not on terms where SLS charges a fee on almost everything they do. The money for escrow is available, or the State of Oregon can issue a payment schedule for the taxes due in XX/XX/XXXX. There was prior documentation that this was done in the past with XXXX XXXX, but SLS has chosen to ignore and disregard this procedure. Any and all explanations and data provided to SLS have been ignored, because I suspect their sole objective is to thrive on fees, to which they are NOT entitled. 

The underfunded escrow can be brought up to date. But it's all subject to government agencies providing paperwork or funds. The property taxes will be paid, it's a matter of timing, and this has been explained in detail to SLS. It's all fallen on deaf ears intentionally. NO FEES WILL BE PAID. PERIOD.
Merchants Adjustment Service ( MAS ) has " willy nilly '' placed a {$110.00} collection on my XXXX credit report. It does not state the original creditor, so in actuality MAS is stating that I owe this money to them. This is bogus reporting and is causing a hit to my credit score. I do not owe this company anything and, judging from MAS ' reporting method, it has no idea whether the information is accurate or not. Just an MAS employee trying to make a quota to my detriment.
This company is reporting to all 3 major credit bureaus that I still owe a debt in connection with a payday loan. I satisfied and paid this debt on XX/XX/2018 through a law firm they hired to help collect the debt. When I speak to XXXX XXXX ( the company reporting the collection to XXXX, XXXX and XXXX ). They tell me they have not yet received " remittance '' from the law firm and refuse to report this accurately as paid in full. The law firm, XXXX XXXX, states they sent XXXX XXXXXXXX the proof of payment on XX/XX/2018 and that XXXX XXXXXXXX is the only one that can correct the reporting on my credit. 

I called XXXX XXXXXXXX today and was hung up on repeatedly and told they would not correct this reporting. I have filed disputes with all 3 credit bureaus and supplied the proof with documentation, but XXXX  XXXX has maintained this reporting to all 3.
I have received repeated calls from National Recovery Agency ( XXXX ) which I normally dont pick up the call but today ( XX/XX/17 ).  The female caller wanted me to verify my SSN and date of birth. I asked the caller to inform which vendor she was calling on behalf of. She refused and demanded that I verify my SSN and DOB which I refused in case this was an attempt to steal my identity. I asked the caller to please let me know what bill she was trying to collect and maybe we can resolve the issue. The caller refused and threatened me with jail if I didnt verify my SSN.
XXXX , Experian and  XXXX   XXXX  are ignoring my numerous requests to investigate and remove accounts from my credit reports that do not belong to me.
I was never in the hospital on the date the collection compony claims, I have aske several times to show me written proof.
I am writting you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report imediatly. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely mannor. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / XXXX {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / XXXX {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX/ XXXX  {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX/ XXXX {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX/ XXXX {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX/ XXXX  {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX/ XXXX {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX  {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX/ XXXX {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX/ XXXX {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX  {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos ) I am filing this complaint against XXXX XXXX XXXX XXXX/ XXXX as well as the credit reporting agencies.