WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is releasing unauthorized information. They are selling info that was removed from files, reporting DELINQUINCIES and credit slanderous terminology- as are other bureaus- on disputed, removed, or paid accounts. Even accounts that were closed illegally by companies ( who refuse to comply w fin regs ) are reported as delinquent. THIS IS UNLAWFUL DEFAMATION. 

statements such as public record, serious delinquincy, time unknown ( it is known-by bureaus ), num of accts w delinquincies are wholly slanderous in nature- and are abused by those offering credit to deny credit when it should be approved.
My loan servicer is Navient and they have been terrible. I have been trying to get my repayment in the correct plan and the monthly payment amount correct so that I can receive loan payment assistance from my school. I 've had to apply for forebearance because every time I follow through with their advice and request for documentation, they tell me I need to do something else ( after giving them the requested time of response ). I actually want to START repayment and my school is ready to pay the loan if Navient could actually assist me. Instead I 've missed three months of opportunities to have my school loan monthly payments paid and accrued additional interest.
We have been have dealing with this issue with Bank of America for a long time. We are losing our home and we actually have a foreclosure date of XXXX the XXXX. We are currently going through the process again to try and receive another Trial modification. The last trial payment that we were approved for we could not afford it was almost {$1600.00} and since we could n't afford it we were declined. Now the trial mod we received before then we paid all of our XXXX payments as instructed but we were denied that time because of a notary issue. We had the documents notarized XXXX separate times, one time we even went to a branch at Bank of America as instructed by our representative and we were told the documents were still notarized incorrectly. Because we were having such an issue with the notary Bank of America had a XXXX party notary contact us to meet us at our home to notarize our documents. The day of our appointment the 3rd party had an issue, and the company did n't have another person to notarize our documents and our appointment was cancelled. I spoke with a representative from the bank and the notary company that Bank of America connected us with, and XXXX parties assured me that because the appointment was cancelled by the representative that our modification would not get denied because it was not our fault that the appointment was cancelled, and that Bank of America would honor it because they bank knew we were working with a party they contracted. All of this transpired on a Thursday and Friday. Our modification documents were due over the weekend and when Monday came we were told we could not send the documents in because we missed our deadline date. Even after I was assured that would not happen. I spoke to our representative and he said he would look into the issue. I never heard back from our representative and a few weeks later we got papers in the mail stating our modification was denied. When I called the rep he told me it was my fault and said that all I could do was start the process over again. I told him I was going to appeal and he told me it would n't do any good, I contacted the appeals department within the 30 days and spoke with a gentleman who then told me I was supposed to go through that with my rep because their department does n't handle appeals anymore, but he also gave me another number to contact, I had been speaking to a person who told me my account had not been handled correctly and she began researching it for me, until all of a sudden her calls stopped, by this time 30 days had passed and the bank was telling me that I did n't contact the appeals department in time, but I clearly did. I do n't know if you can pull and research my file in time but I certainly hope and pray you can help me because I do n't know what else to do.
I was contacted by Moxley and Associates in Alabama about a credit card debt that I owed. I worked out a payment arrangement to pay the debt in full over 24 months. The first payment was in XX/XX/XXXX with the payoff to be XX/XX/XXXX. I made 2 payments in XX/XX/XXXX and 2 payments in XX/XX/XXXX. This put me ahead of the original payout date. I missed my XX/XX/XXXX payment but I was 2 months ahead of schedule so I did not think twice about it. XX/XX/XXXX I went to the website like always and submitted my payoff payment for {$440.00}. On XX/XX/XXXX I had a hold placed on my savings for the amount of {$470.00} and a $ XXXX.fee charged for garnishment. What???? I called them and the guy told me that because I didn't pay my XX/XX/XXXX payment they garnished my account. He told me that he saw where I had made the payment online for {$440.00}. but that I still owed {$31.00} that was the remaining balance even though in the beginning it had been equal installments. He demanded I pay the amount using a debit card online if I wanted the garnishment released. I did pay the {$31.00} but I still have a hold in the amount {$470.00} and a loss of {$100.00}. for a garnishment fee.
I am a XXXX school graduate and my student loans are serviced through navient. I have been in deferment many times for very long periods of time. I have tried to lower monthly payments unsuccessfully. My options are usually higher monthly payments then what i am already paying. There have been times where my loan is past due and instead of a phone call or letter i get an email that says reply yes to enter payments into deferment. That is a quick solution but interest is still acruing.
i disputed two transactions made on my Wells Fargo debit account. Transactions dates XX/XX/XXXX in the amount of {$3000.00} and XX/XX/XXXX in the amount of {$3800.00}. Both transactions made to XXXX XXXX. Wells Fargo bank did n't do nothing to get my money back, they gave me a temporary credit of {$4800.00} and than after a month they deducted it back from my account. I disputed this transactions and i want my money back but my bank did n't help me so please help me get my money back
BANK OF AMERICALOAN # XXXX XXXX INVESTOR ESCALATION NUMBER # HomePath Inquiry : Case # XXXXPROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX : To whom it may concern : On XXXX of 2015, my title company submitted a short sale to Bank of America, ever since then it has been nothing than a nightmare ; if it was n't for the persistence of the negotiator from the title company, my home would have been foreclosed. Bank of America made mistake after mistake, finally we received a short sale approval on XXXX/XXXX/15, the Title company 's negotiator sent the approval to the buyer as the XXXX XXXX requires a copy in order to process his Condo approval application, this was on XXXX/XXXX/2015. 
The file was transferred to closing to order estoppels from the condo HOA. and the approval expires on XXXX. 
The title company 's negotiator received a call at:XXXX from XXXX XXXX XXXX arepresentative from BOA XXXX stating XXXX the investor, was selling the servicing rights of the loan to XXXX XXXX XXXX XXXX/XXXX/2015 and that we MUST close by then, otherwise we needed to deal with XXXX XXXX and start all over from the beginning. 
I am in tears, I am a single mother with XXXX elderly parents and a small child, we applied to an apartment on XXXX, when we received the short sale approval from the bank. 
This is not a fair resolution from these financials institutions, to tell us get up and leave or you lose the short sale, is less than 7 days, there is a {$10000.00} deposit from the buyer on the unit, the buyer can not close until they are approved by the Association otherwise the transfer of title is not legally completed. 
I am asking your agency to intercede on our behalf, the title agent has disclose you have strict regulations on time frames as to before the submission of a Loss Mitigation options as well as time frames after approval has been issued. 
How can they just go up and sell the loan to a servicer than according to my agent is known to foreclosed on the properties and not honor approvals. 
I do not know what to do, we fought so much to move this forward, now they want to take this away, is time these institutions get fined for taking advantage of consumers.
I have received several letters from various Debt Collection Agencies regarding XXXX XXXX University. I have reported many of them previously and have had my income tax refunds taken regardless. 

I recently received yet another bogus letter, dated XX/XX/2018, from an agency calling themselves Action Financial Services , LLC demanding a sum of {$12000.00} for XXXX XXXX University. On XX/XX/2018, I contacted the number listed and spoke with a XXXX XXXX and then a XXXX XXXX, who advised me they were actually from XXXX, an agency that previously tried to extort money and that I previously reported since they did not answer phones nor set up payment arrangements. All they did was threaten lawsuits and to withhold income tax refunds. 

For the past two years, my income tax refunds have been withheld by various fraudulent agencies and I am still receiving threatening and abusive letters. I requested proof of the debt and received paperwork that does not reflect any funds already taken. 

I am tired of the threats and disgusted by the corrupt and fraudulent actions by the agencies involved in addition to the US Department of Education and the IRS. 

In this case, XXXX, is not only harassing me they also admitted doing it under another company name of Action Financial Services , LLC. The debt amount can not be correct nor do I trust a " debt collection agency '' that does not answer their phones, does not set up payment plans and does not have an accurate amount. 

The education from XXXX XXXX University was never received. There is no completed degree. My Income Tax Refunds have been taken repeatedly yet I am still getting threats from several different agencies and for different amounts.
According to the Equifax website set up for the express purpose of confirming whether or not individuals in their databases had their information compromised in the recent large scale data breach, I am one of the affected individuals. Considering the magnitude of the breach, as well as the sheer breadth of the information I now know is compromised, I feel that this was a blatant disregard for the sanctity and security of my personal information by a company that should have had appropriate safeguards in place to prevent such an occurrence.
Effective XXXX XXXX, 2017, Equifax and other CRA 's adopted new policies that developed enhanced public record data standards for the collection and timely updating of civil judgments and tax liens. The new credit reporting law applies to new and existing public record data on respective credit reporting databases, and will require a minimum of consumer personal identifying information : Name, Address, and SSN and/or Date of Birth.
I have sent previous letters to Equifax requesting the removal of inaccurate information from my credit file, and they have failed to do so. They continue to report the disputed item regarding the public record, specifically an incorrect tax lien. Their egregious conduct is unacceptable and must be addressed. Again, I am requesting that the negative item be removed from my credit report immediately.
Please resolve this matter as quickly as possible.
For the last 2.5 months, I have been trying to certify myself for Public Service Student Loan Forgiveness through XXXX. ( XXXX XXXX XXXX ) I am a XXXX XXXX who is eligible to be recognized for this service in order to receive credit for student loan forgiveness. I had my HR representative complete the required paperwork in XXXX. They rejected the paperwork because we used electronic signatures with our military ID cards. We resubmitted with ink signatures. We were rejected a second time because the HR representative indicated that I work 40 hours per week but DID NOT check full or part time. She just wrote full time hours instead. The form makes it appear as though you choose between the two, NOT full/part time AND then write the hours. 8-10 weeks for paperwork to be rejected based on a preference for wet signatures and a box being left blank but answered in another section seems like a duplicitous attempt to avoid giving me credit for public service loan forgiveness.
My account was NEVER late and was paid in full ON TIME after an accident that totalled the car. My insurance sent in settlement and Credit Acceptance Corp GAP insurance covered the balance. This was verified at the time it was happening. Recently upon pulling copies of my credit to find out why I was having issues, it was discovered that Credit Acceptance had marked the account as 'Derogatory ' and 'Payment after charge off/collection Paid collection '. 
I made contact with them recently which the customer service person saw that the account was indeed paid as agreed and never late, and claimed to forward the information to another department. I have received NO communications since then.
We have a mortgage with Wells Fargo and we agreed to pay taxes and insurance ourselves. In XX/XX/XXXX we noticed a deduction for an escrow account? We spoke with the bank several times by phone and once in person and they say we had a gap in insurance. 
Not so. Our insurance agent sent the bank a letter with copies of all of our policies shown no gap in coverage. That was on XX/XX/XXXX. So far, more charges and no response to her letter. We are at our wits end. Can you help?
Delta Management Associates began contacting 3rd parties in XXXX 2016, including friends and co-workers whose contact numbers even I do n't have in attempts to reach me. The people contacted were in absolutely no way used as references in any of my debts. 

Delta Management said they wanted to know my whereabouts out of concern for my physical well-being. I contacted them at that time to let them know they should only contact me, by calling me either on my personal or work phone numbers. 

I was informed on XXXX/XXXX/16 that Delta Management had begun this practice again. They are attempting to arrange monthly payment of my student loan that is currently in default despite submitting and already enforcing a wage garnishment. I informed them recently that I am unable to make an arrangement until XXXX 2016 but they 've continued to make these types of calls.
TransUnion was incorrectly reporting my account with XXXX XXXX XXXX XXXX as closed, even though it is open and active. On XX/XX/2018, rather than correcting the error, the account was deleted. I am a co-applicant for the account.
I keep getting calls from XXXX sometimes even more than once a day they NEVER leave a message so I have no idea what it 's about. I googled the number and other people have the same problems and I have n't even received any bills or anything in the mail. I am SICK and tired of the HARASSMENT!
After checking my credit report, I notice a lot of hard inquiries. 

So I called Equifax and ask them to delete it from my credit report, their customer service would not help me and take care of this negatives inquiries. Telling me to call each company and request them to send Equifax a document asking them to delete it from my report. 
This is the list that I want it to be removed XXXX XXXX XXXX   inquiry fromXX/XX/XXXXXX/XX/XXXXXXXX inqury from XX/XX/XXXXXXXX XXXX inquiry from XX/XX/XXXX XXXX  information XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX   inquiryXX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX  inquiry from XX/XX/XXXX All this hard inquiries are hurting my credit score, and I need to remove it, i believe them to be frauds.
Citizens Bank went into my checking account and withdrew {$300.00}. they said was a Chargeback. 
First they told me there was nothing they could do. Sorry ... .... 
Then when I pressed, they cited {$100000.00}. that was released in my bankruptcy in 2010. They told me they had no record of my bankruptcy and were simply collecting their money. 
Because of their removing money, I bounced my car insurance check. Awesome!!!
After previously disputing these erroneous accounts, TransUnion still deemed the accounts verified. These accounts has incorrect account status and account names. The name of these accounts are not " collection agencies. '' These accounts should have been removed from my report. Please see attached documents
On XX/XX/2019, I had another confrontational and unproductive conversation with XXXX with the so called executive department. She has continued to discriminate against me, mispronounce my name, and repeatedly use the infuriating phrase, " I'm sorry you feel that way. '' In response to their gross, and continuous errors. She has continued to discriminate against me, based on my XXXX last name, intentionally misprounouncing it, belittling me, and refusing to assist me based on her clear XXXX, and bigoted views. She constantly brags about not having a manager, and she can do whatever she feels, repeated hang ups and provocations on her end, and her blatant and misguided intolerance. I had a simple debit card dispute which has turned into pure warfare, waged against me based on my last name, clearly, and XXXX status, which they know from viewing my account. XXXX has waged war against me, a simple banking customer, because of my didabled status and last name. I'm unfortunately very familiar with these bigoted attitudes, stemming from the XXXX area, as I've been a resident in this about one year ago. The rest of the country doesn't share and condone this type of bigotry. Why does Key Bank? Because, anyone left to their own devices, with no direct XXXX can and do say whatever they Please. No matter how XXXX, bigoted, intolerant and mostly, XXXX. As I have witnessed first hand in my unfortunate interavtions with XXXX.
I filed a complaint two weeks ago, and noting happened. I am filing a compliant once again with hopes that this situation gets resolved. I have contacted Transunion to remove incorrect items from my credit report and they refused to remove items that they relisted. The items are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Can someone please help me? I know what Transunion is doing is wrong, but I ca n't do anything so I am reaching out to you. I just want those items taken off that they relisted. 

Thank you.
Please see : Complaint #  XXXX  placed to cfpb on  XXXX /2017..   At this time I have n't received any status on this Complaint. As of last week, it stilled showed in " Collections '' on my  XXXX  report. I contacted bo th ARS  and   XXXX    by phone. They seem to just point the finge r at one anot her with no results to remove this error from my report. This error has hurt me in trying to  get a Home Equity Loan.
Worked with a Mortgage Broker for New Penn Financial to finance a home through FHA since XX/XX/XXXX. Received a pre-approval letter XX/XX/XXXX contingent on credit, income verification and proof of closing funds. Found a home and entered into contract XX/XX/XXXX with an extension to close on XX/XX/XXXX per Seller 's request. On XX/XX/XXXX, after being on three weeks of leave the Mortgage broker states HUD declined application because I was never qualified to begin with. Lost Escrow Down Payment because Mortgage Broker failed to furnish commitment letter/Loan Approval within 30 days of contract. Lost Home Inspection and Appraisal as I never would have paid for these contracts had I known I was not qualified. I was promoted XXXX officially XX/XX/XXXX which is less than one year requirement for income data. Per mortgage broker HUD stated they would have made a 6 month XXXX s ) exception therefore it was no surprise of my financial situation. I had everything on track to close even saving twice the closing cost only to find out I was never qualified. I sent a certified letter requesting reimbursement of money lost and have yet to receive acknowledgement of receipt of letter. Please help.
I have been trying to improve my credit score for 9 months now and I have disputed several things on each report that were incorrect. I notice that after they are removed that some of them are put back on ... this makes no sense!!! I also have paid and am paying on some of these accounts that they are showing and the credit bureaus do n't have the information accurate. What do I have to do to get my credit reports accurate? Please help!!!
while i was purchasing my home i applied for homeowner insurance i submitted XXXX different quote from XXXX different companies naturally my lender went with the lower of the XXXX the other company was notified they are trying to collect XXXX dollars for covering the house when in fact it was insured by state farm already
XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-NY- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I have contacted some of the companies that i am a victim of identity thief. They put a block on my Social Security number and know it contact me first. I have called XXXX about this issue and they still wont remove these inquiries that wasnt authorized by me.
I applied for a student loan through  XXXX   XXXX   XXXX  back in  XXXX  and I placed specific stipulations on the loan. I requested the student pay interest during school, I asked to be notified if the loan goes delinquent and I ask the loan be denied if   XXXX   XXXX   XXXX   XXXX  does not agree to the terms.  XXXX   XXXX   XXXX  removed my stipulations from the documentation and forged my signature to push the loan through. In  XXXX  I applied for a car loan and  American Education Services  came up on my negative credit category for a delinquent loan. I was never notified about the loan not being paid. I have been calling and writing  XXXX  merican Education Services ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , and National Collegiate Trust to get my name removed since I did not agree to or sign for the loan in question. They continue to effect my credit in a negative manner and have refused to address the issue. I filled out a fraud packet in  XXXX  and sent it in but they returned it saying they did not accept the information I entered and that I did not complete the packet to their satisfaction. They have since requested me to fill out another fraud packet but I believe they are only trying to waist time and gather my current contact information. I can not fill out another fraud packet knowing they refused the first one. I have spent 11 years and over 200 hours on the phone trying to get someone to address the matter. I am still in touch daily with AES and can not get in touch with NCT. I have looked in to hiring a lawyer but I was told since it is a government office ti would cost more in fees then the loan. I am looking into a class action  suite and h ave not ruled that possibility out but I need something done to resolve my credit.
Hello- I have had an auto loan with XXXX XXXX XXXX for years now. I have finally paid off the account in full ; with {$180.00} late fee balance remaining. 

However, XXXX has inaccurately reported the account negatively to the credit agencies when there is {$0.00} principal balance. I request they update the credit reporting to show paid as agreed and paid in full. I also request they waive the late fee balance due to the inaccurate credit reporting. Thank you.