WillisBack/dataset-financial-user-claim huggingface dataset:
I used worldremit.com platform on XX/XX/2018 to transfer an amount of XXXX $ from my Checkin account to a savings account in XXXX. The amount was debited right away from my account but was never credit in the intended account where it was suppose to be. I reported this with the customer support of world remit to look into the matter via email. After a chain of email conversation back and forth I received an email in XXXX on XX/XX/2018 which says that the case is closed from their end as they could not find any information where the money went missing. 
The transaction number is XXXX The case number for the complaint is XXXX
When I applied for a home mortgage refinance loan in XXXX XXXX, the closing attorney found a judgment against my property. The judgment is not against me, but against XXXX XXXX XXXX, my ex-husband, and against my property, property that I purchased from him in XX/XX/XXXX. The judgment was also filed in XX/XX/XXXX. The debt collection agency is Dominion Law Associates, XXXX XXXX XXXX XXXX, Virginia XXXX, VA XXXX. The debt is to XXXX XXXX Bank ( I assume it is a credit that XXXX XXXX XXXX had ). I made call after call to XXXX XXXX XXXX, the attorney at Dominion Law Associates with no success XXXX her number is XXXX ). I have also made a number of calls to XXXX at XXXX, ext. XXXX and have not been able to accomplish much toward resolving this problem. 

Bottom line : The default judgment is entered against my property, but not against me. 
The default judgment is against my ex-husband XXXX XXXX XXXX. 
I can not finish my home mortgage refinance application until the judgment is lifted. 
A decision was announced today that the Fed is going to raise interest rates by XXXX a point which will cost me money for years to come because of the incompetence and lack of concern on the part of Dominion Law Associates through no fault of my own. 
On XX/XX/2015, I made payment in full of {$2200.00} to Dominion Law Associates to pay off the debt, and get the judgment released so my banker and attorney could continue with my mortgage refinance. I made this payment using my debit card, and XXXX told me a printed receipt would be mailed to me the following day. After 2 weeks, and numerous follow up calls by me, Dominion Law Associates finally sent sent me a printed receipt showing I made the payment. 
XXXX told me the judgment should be released within 30 days. 
XXXX XXXX XXXX, the attorney at Dominion Law Associates, told me on XXXX XXXX I should not have to pay a debt I did n't owe, and she was going to see what she needed to do to correct it. 
It is almost impossible to get any information from Dominion Law Associates, even though I am not at fault here, in any way, shape, or form. 
There is no public record in the XXXX XXXX, NC court system that the judgment was ever against me. The judgment is clearly against my ex-husband, and has been erroneously entered and is affecting me financially.
Iwas paying a mortgage company called nation star and wasput into foreclosure It was supposed to be service by BAC home lending I would like to know in writing when did XXXX XXXX start servicing the loan and when did she stop in writing. I was told she did not service the loan any more when I called her inXXXX of 2015.
I have been XXXX and my ex wife was awarded this loan in the divorce. I assumed she had been paying this on time and she fell behind while I was gone. I am now trying to relocate due to my transfer and purchase a home here. I am in dire need of having the last 2 lates removed off my credit report so I can close on a new loan ASAP. Please remove these lates from my credit report.
I received a XXXX debit card in the mail which I had NOT requested. The card was sent to my home address in the name of " XXXX XXXX. '' I immediately called XXXX to cancel the card and to find out what had happened. The representative acknowledged that the account had been opened using stolen information. I subsequently communicated with the XXXX representative by e-mail ( which I have ) to confirm that the account had been closed and that the matter was resolved. I am now being harassed by a debt collection company ( American Coradius International, LLC. ) with respect to amounts owed to XXXX relating to the fraudulently opened account.
I am enrolled in a equity accelerator program. In XX/XX/XXXX I refinanced my mortgage with PMAC. In XX/XX/XXXX the mortgage was transferred to Finance Of America for a sort duration. I was told that Finance of America took over the day to day operations of XXXX. In XXXX XXXX the mortgage was transferred to XXXX. XX/XX/XXXX a payment was mistakenly sent to PMAC instead of XXXX. The check was received and cashed. I have been working with no success to have the payment sent to XXXX as my mortgage is lagging a month behind, and I have been reported to the credit bureau. Finance of America is telling me that they are researching the issue, but it has over five days and every day I call and every day I am told that there is no update. I am very frustrated.
This was paid by state health insurance as I WAS A VICTIM OF A CRIME. 
AARGON AGNCY Reported on XX/XX/XXXX {$36000.00} Account Details Last Reported XX/XX/XXXX Collection Agency AARGON AGNCY Original Creditor XXXX  XXXX XXXX OF Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$36000.00} High Balance {$36000.00} Remarks Placed for collection Creditor Contact Details AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX
I've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( Experian, XXXX  ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I'm requesting that all of the accounts be removed. All of the loans in question and the negative accounts that have been reported are hurting my scores.
Based on the online tools available at ( https : //www.equifaxsecurity2017.comXXXX ), I 've been impacted by the recent Equifax security breach. As a relatively new user of credit, this has the potential to disrupt my attempt to establish good credit in a pretty bad way. I refused to waive my right to a class-action suit, and intend to follow through as thoroughly as possible with any legal recourse available to the 1/3 to 1/2 of the country that has been affected by this. 

I have placed a 90 day fraud alert on my account, and will likely have to do this far into the future, because a company that is supposed to be 'worthy ' of credit could n't keep their XXXX together.
XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX  I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken.

XXXX XXXX reported on my inquiry XX/XX/17 on XXXX   again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken.

XXXX XXXX this was reported on my inquiry twice same day XX/XX/17on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called XXXX XXXX  and XXXX and XXXX to have them removed no action taken.
I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XXXX XXXX to XXXX XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the XXXX Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put Equifax, XXXX, and XXXX on notice and they have not complied within 30 days time frame.
I XXXX in 2000 from XXXX XXXX XXXX in XXXX Florida. Since then I made payments of more than half of what they were asking. It got to the point that I was made to enroll in a program that was said to help me become current. However now my loan that was originally XXXX is now XXXX and payments are more than anew car payment. And even in 2000 the credits were n't transferable, but we as students were never told this when we applied for financial aid. I have never been able to afford the kind of payments they wanted, and I certainly ca n't afford what they want now. I 'm recently alone with an {$1100.00} mortgage payment. And that is n't even including the other bills. So yes I can say that the student loan payments would be detrimental in me being able to keep my house.
After graduation I was making very little income and was wanted to pay {$490.00} a month between private and federal loans. When I called in XXXX to Navient they suggested I go into forbearance so I didn't have to pay that much. Went through forbearance for a while and to my surprise there were better options. I ended up getting income driven plan which still exceeded 30 % of my take home pay. They could not lower my private loan because they said they could not. In XXXX I ended up refinance with XXXX and am happy so far with them. 
Reading the navient student loan lawsuits I wanted to get my story out there that it indeed happened to me too.
We were victims of a fraudulent/scam. We received a phone call from what we thought was a family member. They advised us they needed money because he was being held at a XXXX, XXXX airport. We sent the money, but it should have been a clue to us when, it was sent to another person 's name which we did not recognize.
I made minimal charges on a new macys card hoping to benefit from the introductory offer/discount in or about XX/XX/2015 Soon they were charging me late fees and late fees on late fees and I tried to cancel my card and paid what I believe was owed after several phone calls. Now despite having paid and cancelled my card the statements keep coming with late fees on late fees and telephone calls to my house at night. I spent nearly an hour on the phone with customer service since I do n't know what these charges are at this point or what the late fees are for since I believe I long ago paid off the few items I bought from macys. The customer sevice was disgraceful unhelpful hostile and offshore and refused to provide me with any records of charges and payments so I can get this straight. I would like to bring a legal action but need the records which Macys wo n't give me. And the calls and late fees keep coming. A nightmare.
These inquiries below should be deleted asap. I have attached email proof I did n't request company submit my deal to all these banks. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX All Banks
After the XXXX of my father in XX/XX/XXXX, my mother became delinquent on her mortgage. My fianc and I later decided to move into the premises to assist my mother with the mortgage payments. 

Recently ( XX/XX/XXXX ), we began the filings for a loan modification ; now that life and legalities ( probate court ) have settled. As part of the loan modification application, XXXX XXXX ( the mortgage servicer ) wrongfully made us aware that a Quitclaim Deed would be necessary to consider both my fianc as additional income for the loan modification. From XX/XX/XXXX to XX/XX/XXXX, we were denied four-times for a loan modification due to " Ineligible Borrower '' because Mr. Cooper told us to have my mother quitclaim deed the property to my fianc and I. 

More recently, we appealed our most recent denial. Mr. Cooper came back with the response that they were sorry for providing us with wrong information about the Quitclaim Deed, but ultimately our mortgage is not eligible for a loan modification due to " Insufficient Payment Reduction ''. We asked why " Insufficient Payment Reduction '' was a reason, and they told us it is because of " Investor Guidelines ''. Thus, we asked for the investor guidelines that they were referring to. And, we were told that Investor Guidelines are " proprietary '', and they could not disclose that information to us. Yet, after looking at the calculations that result in " insufficient payment reduction '', we found there is no extension of the current amortization schedule. How do they expect two ( 2 ) years of a delinquent mortgage to be paid with no term extension? That is just crazy.

We are wondering if we could ivnvetigage the " investor guidelines '' that are preventing us from a loan modification. Mr. Cooper delayed the process by telling us wrong information in regards to the Quitclaim Deed, and is now delaying the process further by not willing to work with us.
Dear Credit Reporting Agencies : XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under any status. It is not mine.
Arsi garnished XXXX $ from my savings account due to my mother 's debt to them she was a secondary signer due to me being underage for the account. She had no access to my funds nor did she make any transactions in my account it is only mine and they seized all my hard earned money I have no gas for car food or bill money due to a wrongful action from a debt company.
For the past 9 months, I have been dealing with Wells Fargo Bank regarding the money that was held in a blocked account from partial proceeds from the insurance claim by Hurricane Sandy. There was approximately over {$48000.00} in the account and it was misapplied. We sold her house down the shore that could not be rebuilt as a short sale and Wells Fargo forgave the debt. We assumed that Wells Fargo was going to apply the proceeds to the amount forgiven which would reduce the XXXX form and what we had to pay in taxes which did not happen. I have a timeline of the events and errors which were the following : 1 ) They stated they mailed us a check and then rescinded that because they stated they were in error.

2 ) The proceeds were used to pay for fees but they stated there were no fees.

3 ) They stated that the fees went to an investor and after talking to them, I stated that they were the investor and just absorbed the fees. They agreed that was the case. 
I understand by signing the short sale forms that we were not entitled to the proceeds but all I have been asking for is the reduction of the XXXX for forgiveness of debt amount which totaled about {$170000.00} to be reduced by about {$48000.00}. I have addressed this with the OCC and so far no satisfaction. I had to address this with the OCC about 3-4 times and now I am reaching out to you because I feel I am not alone in this. 
At this point, my mother has passed away and my sister and I had to pay the additional taxes because of the non-reduction of the forgiveness. I now want to be reimbursed for the {$48000.00} and additional money because of the multiple number of miscommunications, delays in the process and general attitude of Wells Fargo. I spent hours on just doing what i feel is correct but so far no response because they mail their communication to an address that no one from the family lives at. Please advise the next steps and thank you.
Payment was submitted to Navient and I received confirmation number. Payment was never taken out of the bank account. Navient have said the payment could not be processed, and it was rejected. No reason was given for why the payment was rejected ( insufficient funds, wrong account number, expired card, etc ). No communication was given about the payment not being able to go through. I was not informed until the next time payment was called in.
It shows on my credit report I owe {$530.00} to Revenue Rec. I called to find out what was going on since I never received a bill the guy on the phone told me it was through XXXX XXXX hospital and I owe another {$500.00} and something for a hospital bill to XXXX XXXX XXXX. I told him I didnt get a vill for either one and I have medicaide and medicare he insisted he talked to me in XXXX 2015 I tols him he didnt talk to me and that I have Medicaid and Medicare. He said I would have to take that up with the insurance company but it was probably to late. I told him yea because no one ever gave me notice.
THE CREDIT CARD IS XXXX, XXXX ACCOUNT # XXXX SAYING DATE OPENED XX/XX/XXXX DATE CLOSED AND CHARGED OFF ACCOUNT XX/XX/XXXX. I HAVE DISPUTED THIS ITEM WITH XXXX  WITH NO RESOLUTION. THE CREDIT CARD AGENCY HAS A BALANCE AMOUNT OF {$550.00} AND PAST DUE {$180.00}. I NEVER OPENED THIS CARD AND I HAVE BEEN TRYING TO RESOLVE THIS ISSUE AND XXXX 'S KEEPS INSISTING THIS IS MY DEDT. IF THIS BILL IS OVER 6 YEARS OLD HOW COULD MY PAST BALANCE DUE ONLY BE {$180.00}. XXXX HAD THE BREACH I DONT KNOW IF THEY STOLE MY IDENTITY AND CREATED AN ACCOUNT. I WANT THIS OFF MY CREDIT REPORT BECAUSE ITS NOT MINE AND XXXX HAS NO CREDIBILITY. 

THANK YOU XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX XXXX
Request validation of this debt. I do not believe I owe this creditor. Initial bill sent to wrong address due to their error. Conflicting amounts allegedly owed.
1 month after escrow analysis was completed on my account, my next 3 month bills were billed an additional {$5.00} with no indication of where the increase amount came from on any statements.     I called cust omer service and spent over an hour and a half on the phone trying to figure out WHY I was charged this additional amount. The agent continued to claim she could n't find any reason but her and manager thought it was probably related to PMI being removed and hazard insurance decreasing ( which did not explain the increase in my bill nor why the increase happened AFTER escrow analysis ). After speaking with escrow dept, my customer service agent finally reported that there was " a glitch in our escrow system that affected many other accounts as well. '' Nationstar 's clients who were affected by this " glitch '' need to be made aware and refunded ASAP. It has been 3 months since the " glitch '' with no correction nor refund issued from Nationstar. The manager who was suppose to return my call never did.
I applied for an extension on   XXXX   XXXX  . The company emailed me back and stated they received paperwork. They kept calling me every day up to 5 times a day until I picked up on   XXXX   XXXX  . They stated they needed my payment in order to avoid repossession. I told them I had sent in paperwork for an extension, the agent stated they never received anything and asked me to send again. So, I did. Payment rolls around and I am unable to make a payment over the phone or the website. At this point, they have refused to accept my forms of payment unless I make it through   XXXX   XXXX   which does not exist in  XXXX , CA and they will not take payment over the web. They called for 18 days when they were not supposed to and now I am the irresponsible client because I refuse to go out of my way to make a payment. I also have all these late fees that I have been paying and when I ask them where my money is going they do not have a straight answer. My payment is  XXXX  and I pay  XXXX  which covers my late fee, but for some reason, I have unpaid late fees. This does n't make any sense to me. I asked them to have a VP or are a manager c all back and I keep getting calls from the agents who say I can speak to their supervisor. They have refused to get me in contact with someone higher up in the company and I even got into an argument with an agent today  XX/XX/2017    at   XXXX   XXXX  .
I have had a loan with XXXX but all of a sudden I have not been able to access my account. Navient calls me and tells me that I need to pay them. I tell them send me a statement in the mail so I have proof of this bill. It has been almost a month and I have not received a statement and on top of that I am being harassed by Navient every day. Still no statement has been sent. I should have some assurance that my payments are going to the right people.
Miscounciled and misguided multiple times about my options when communicating my current financial hardship. I was Offered options that were not available to me even after I expressed doubt about those options given and was led to believe my loans were at a status or moving towards a status that would not negatively affect me. In my financial hardship I have contacted them multiple times to work soemthing out until I was able to repay accordingly. Now I am at a point where I do not trust anyone I talk to with this lender because it seems to be getting me nowhere but further and further down. I feel like I have done everything I can in communicating with them and my patience is being tested. My current financial situation is XXXX enough and I have been working towards finding work that can support the cost of living of a single woman on her own. At this point I feel it 's dead end communication in contacted this private loan lender and need help in moving forward with options that are pro active towards bringing me relief during this difficult time.
I was attempting to have a debt disputed on my recent credit report. I called the reporting debt collector ( Debt Recovery Solutions ) to find out what the debt was. The only information they would give me was that it was an ambulance company and it was a debt from 2011. There was indeed a ambulance ride in 2011 but it was covered by insurance. The bills were going to the wrong address according to the debt collector but they would not provide me with the name or phone number of the ambulance service. I asked to speak to a supervisor because I knew that they had to provide me this information by law. I was hung up on. I called back XXXX more times and I was hung up on. XXXX is disputing this for me but it could take up to 30 days. I am in the middle of securing loans for a new business. My credit score dropped from XXXX to XXXX the day this debt hit my credit report. ( Yesterday ) If I had the name of the ambulance service I could resubmit the insurance and have it taken care of. But Debt Recovery Solutions apparently want me to take care of the debt in order to collect their money. This is going to ruin any chances I have of securing the loans that I could have when my score was XXXX and did not show I have a delinquent account over 4 years old.
Navient loans has been charging extra interest rates without my noticed of loan forgiveness only did loan forgiveness twice without any documents emailed to them they automatically increased my rate as loan forgiveness