WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom it May Concern : My name is XXXX XXXX and I 'm a wife and mother of XXXX children. I have paid my student loans every month since I graduated from college. After returning to school to get my XXXX in XXXX, I requested a payment plan that reflected my income, rather than the payments XXXX/Navient was requiring me to make. These payments were more than {$300.00} over my bi-weekly paycheck and made it impossible for me to pay other living expenses. XXXX allowed me to go on an income-based repayment plan for 18 mo twice. The payments were still very high, but I paid them every month. They did cause me financial hardship. I re-enrolled in the income-based repayment program again after the 18mo ended. I was given another 18mo and continued to pay on time each month despite having increased financial hardships from paying them. My account was then transferred to Navient at that point and each month, my payment was not distributed properly to my multiple loans. I incurred numerous fees and high interest rates on the loans that were not being paid because of this distribution error, and I called at least five times over the following months to have it fixed. Each time I was told they had fixed it and the fees, but then a few months later I would see that it had not been repaired and my loans were in default. At the end of the second 18 mo income-based repayment plan, I was told there were no more options and I would have to pay the full amount each month. This was now {$500.00} more than my bi-weekly paycheck and I have XXXX children to take care of. I am unable to pay this amount and have been in default since. My father is paying almost $ XXXX/mo towards the few loans he co-signed to keep his credit score from being affected, and it 's causing him considerable financial hardships. My own credit score is extremely low now, and my family is unable to purchase a house or a car. I have now been sent to collections. I am completely unable to make these high payments despite being employed full-time as a XXXX. I am out of options and feeling beyond frustrated with this situation. Thank you for your time and assistance. XXXX XXXX
THIS IS MY 2ND/3RD ATTEMPT - PREVIOUS COMPLAINT # XXXX I don't know what this debt is for -- - TWO DEBTS ARE LISTED ON MY CREDIT REPORT FOR THE FOLLOWING AMOUNTS : 1. ) {$790.00} 2. ) {$180.00} 1. ) XXXX XXXX nor XXXX XXXX XXXX XXXX explain what these debts are for. it is noted is was reported on XX/XX/2016 NOT ENOUGH INFORMATION HAS BEEN REVEALED FOR THIS DEBT. 

I want this debt removed from all 3 credit agencies immediately. 

Thank you, XXXX XXXX, XXXX.
I received a Student Credit Card XXXX when I had turned XXXX and at that time attended XXXX University in XXXX as a full-time student and working only part-time and XXXX XXXX knew this. I was originally born and raised in XXXX, XXXX. I also attended XXXX XXXX full-time while working only part-time until XX/XX/XXXX when I relocated to Arizona for residency and to continue my college education at XXXX. In the meantime I have only worked part-time jobs barely making minimum wage. XX/XX/XXXX while attending school, I got laid off from my job and became unable to make payments. I had some help from family members but then they got sick and could not help me. I told XXXX XXXX this at the time. Never got a response. To date, I had never received any correspondence from XXXX XXXX other than was I working full-time, how much money I make and did I graduate from college yet. I never received any letter other than the one I received dated XX/XX/XXXX from Gurstel Chargo Attorneys at Law threatening and hurrying to file a judgment against me for {$2300.00}. ( see attached letter ) in which they served to my XXXX yr old grandma on XX/XX/XXXX. I have never been married and I do n't know where they got this false/fake information from other than they have me mixed up with my father. XXXX XXXX has violated by legal rights under the Fair Debt Collections Practice Act ( FDCPA ) as I feel XXXX along with their attorneys Gurstel Chargo of XXXX, XXXX have abused and practice false and deceptive acts against me and I hereby file a complaint against them. I will also be filing a complaint with the Consumer Protection Bureau for violation of my legal rights. Because I was never properly notified by letter, etc. and then this shows up at my address for judgment. XXXX XXXX has also violated my legal rights under the Fair Credit Reporting Act ( FCRA ) and because of lack of communication this is deceptive & abusive practices which has caused me a lot of mental anguish and stress.
RE : Credit Inquiries Equifax Credit Report There must be another person with the same name as me. There is inaccurate credit inquiries on my credit report. I am not aware of the credit inquiries circled on the credit report attached. 

Please provide me documentation bearing my signature, so that I can validate these credit inquires. 

I am requesting the documentation from credit companies, if they fail to provide me the documentation bearing my signature, then they must delete the account from all the reporting credit bureaus. 

Please address this matter within five business days of receiving this letter.
We've attempted to settle the payoff amount and no one has returned our email from XXXX 

Here's one of several emails we sent

from:	XXXX XXXX 
to:	XXXX
date:	Thu, XXXX XXXX, 2018 at XXXX XXXX
subject:	Settling Account
mailed-by:	XXXX

To Whom It May Concern:

Loan No.: XXXX

We're a charitable non-profit organization that borrowed the money to so we could clear up a debt to receive a grant.  We received the grant yesterday and would like to pay off the loan, and ask that you allow us to pay off the lowest amount possible.  We will provide you with a tax deduction for any amount that you can provide.

The original amount of the loan was $XXXX initiated XX/XX/XXXX, and we made the first payment on XX/XX/XXXX, and the balance of $XXXX is accruing interest daily.  We're prepared to make a payment immediately.


Respectfully, XXXX XXXX
XXXX
XXXX XXXX
In an effort to make our closing date, Weichert Financial Services has been submitting disclosures to me electronically. While this process is convenient, they have routinely asked me sign within a XXXX hour period despite obvious errors in the disclosures including errors in my own personal ( phone #, home age, work address ), understated monthly payment amounts ( which failed to calculate my property tax correctly despite having done so correctly in previous calculations ), closing cost errors ( including understatement of property tax, failure to extract payments made out of pocket ), etc. I have been routinely asked to " just sign it '' as " it will get corrected and worked during closing ''. However, I feel that this is misaligned with the intended purpose of a disclosure. Luckily, I am an XXXX and XXXX, and while I am not a mortgage expert, I am certainly sensitive to misinformation. With this behavior by Weichert Financial Services, a less vigilant buyer may end up in a mortgage they can not afford. I can certainly appreciate the effort to expedite our process, but I fail to see the benefit in a disclosure process that encourages acknowledgement of inaccurate payment figures, personal information, or mortgage costs. Thank you
I submitted a large insurance check from XXXX XXXX XXXX, ( hail damage occurred ) to Santander Consumer Credit, it was to pay off the balance of {$3900.00} towards my auto loan, leaving me a Clear Title and a reimbursement of {$2000.00} from that pay off .That check & loan info was faxed & mailed USPS XX/XX/XXXX as instructed from their rep in the Title Dept., each representative stating the difference would be mailed to me in 3-5 Business days after check processed.I called Santander to verify they received the check, the rep indicated Yes & they are in process of clearing note & reimbursement would take 3-5 Business days .After not receiving that reimbursement I called again, at that time I was told I would not receive reimbursement until after XX/XX/XXXX .I have spoke to other reps & finally the Mgr in the Complaint Dept, advised me she would expedite my process, and she would call me back, NO Calls yet .I called today XX/XX/XXXX again I was told The account is clear & my check for reimbursement is due to process afterXX/XX/XXXX, I understand receiving a Title does take 30 -45 days, However I do not feel Santander Consumer Credit should hold my {$2000.00} for that length of time ... .or Any other consumer.
i am writing today because i have previously disputed accounts referenced in this dispute in the attachment not only have you not deleted this inaccurate account from my report but you didn't even mention in this consumer statement that this account was in dispute as you are supposed to. the law says that if a consumer disputes an account you have to write that this account is in dispute since you have not done so it leads me to believe that you have not conducted an investigation at all, why is it so difficult to get things done by you it feels like every time i send a dispute that it is a wast on the postage fees it feels like i am just sending a dispute and your computer sends me a letter that says verified without you guys doing anything. why is it so? why cant you do your job and conduct an investigation. plus you violated the law by not adding a statement that this account is in dispute.
cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts XXXX  breach has cost me tons of money taking more than 30 days violation of my rights
Today, XX/XX/2019, Paypal sent me an email saying my account was limited. But I never set up an account with them. I used a website called XXXX and used a guest checkout. They have a box that you can check off that asks if yo want to setup and account. I didnt check the box, and they still setup an account in my name anyway. They did this without my permission and this is an invasion of my privacy.
Please see attached copies of the - CAROLINA FINANCE , LLC   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , NC- XXXX  prior to the deletion that occurred in XX/XX/XXXX  per law. The original date of the first delinquency was  XX/XX/XXXX which has now been reentered illegally reflecting a date of 1 XX/XX/XXXX . Also, my credit score has taken a major hit as the account is reported as the first major delinquency as  XX/XX/XXXX  which was previously listed as  XX/XX/XXXX . I have attached a copy of the  XX/XX/XXXX  reported where it was aged off but it appears they are attempting to illegally re age the account to remain on the report.
CACH LLC, won a default judgment against me in XXXX Circuit Court, XXXX, WI in 2016 while I was residing and working on XXXX. I couldn't afford to fly back to XXXX, WI for court so they won this judgment against me and I never had any account or agreement with this company. I know that they bought a debt from a former Credit Card Company that I couldn't make the payments after I lost my job and the credit card company wrote off the debt. They sold it to CACH LLC for whatever amount. I didn't have any type of agreement with this company and I believe they lied in court to win the judgment and now I found out they sent a letter of Wage Garnishment to my current employer where they are taking 20 % of my wages starting with my next paycheck. I can't afford to live with that much money coming out of my check for a company I never owed anything to begin with. I live paycheck to paycheck and don't want to wind up homeless over this. They are not willing to help me in any way. Please help me.
On  XXXX   XXXX ,  2017 , I purchased a brand new textbook from   XXXX   XXXX   XXXX   in  XXXX , CA for {$85.00} using my  Discover  Card. This textbook, in brand new condition, was supposed to come with an online access code. The textbook that I received, however, DID NOT come with such a code. In addition, the textbook was missing pages. After multiple unsuccessful attempts at working this out directly with the merchant, a dispute was filed on  XXXX   XXXX ,  2017  directly with my credit card iss uer, Discover Card . On  XXXX   XXXX , I received notification that the credit card issuer is unwilling to assist me in this case due to " lack of documentation '' from my end. With all due respect, I expect a full credit to be issued here. I received damaged merchandise from a dishonorable and dishonest merchant. I tried, in my best interest, to get this issue directly resolved with the merchant. When the merchant refused to cooperate, a billing dispute was initiated. As it stands right now, I am left with a damaged and defective textbook that is missing content and a credit card issuer refusing to cooperate in this investigation. I expect Discover Card to be held fully accountable for this as I did everything I possibly could with respect to a resolution with the merchant. In this circumstance, a full refund of {$85.00} is the only amicable resolution to this defective textbook purchased.
In this case, Pinnacle Credit Services ( XXXX XXXX XXXX XXXX MN XXXX, representing their client XXXX XXXX, refused to acknowledge that I never had an account with XXXX and do not owe said telecom giant {$2500.00}. XXXX wrote back that the entry meets the requirements of the Fair Credit Reporting Act. However, that is impossible given that I never engaged their client and only had XXXX and it 's predecessor. Please assist in preventing them from collecting under a false premise.
Professional Debt Mediation ( PDM ) is trying to scam consumers into paying more than they are required to pay for past due debts. I will admit that the amount that was sent from the original creditor is incorrect, but I have since spoken to the original creditor as well as PDM to have the amounts adjusted. Both parties have admitted that the amounts are incorrect on separate occasions over the phone, but no one will send me anything in writing correcting the amount. <P/>The original debt is for XXXX XXXX XXXX which was formally owned by XXXX XXXX XXXX. There are two standing issues with the amount I am accused of owing. First, in order for me to move in to said apartment, I had to pay a {$850.00} deposit as well as {$190.00} non refundable administration fee, plus the pro-rated amount for the first months rent. Upon the day of my move out I was charged an extra month of rent. They are unable to explain to me why I am charged for another month of rent and it shows up on the balance sheet given to me as " Other - Balance on Account ''. On top of that, they did not apply the {$850.00} security deposit I paid upon move in. One the balance sheet that was provided to me, it says " This is a notice of the landlord 's intention to imposes a claim for damages/charges in the amount of {$2100.00} upon your security deposit in the amount of {$0.00} due to : .... '' then it addresses the reasons. I I have made this very clear to PDM that the balance that they say I owe shows my security deposit as {$0.00} ; however, my lease ( that they have a copy of ) shows I paid {$850.00}. They have since acknowledged the mistake over the phone, but each time they send me " verification '' via mail, it says that they have sent me verification already and are not required to send me anything further. Copy of the lease and the balance I owe is attached.
I have been fighting with the Equifax,   XXXX   and  XXXX  to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of the ledger where it shows we had a huge credit balance.     No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that this money is owed.
AES is servicing debt from a XXXX but I never signed anything from XXXX, I have no proof that they still own the debt which is required. I have asked for proof but AES claims they only service the loans but they should have that information before they collect any money from someone. I need proof that AES is suppose to collect on this loan and all negative credit marks should be removed by law since no one ever inform me that XXXX purchased this debt. I talked with the credit bureaus and they told me that AES must have this information in order to collect on this loan. I never received and I have recorded calls to prove it. I also recorded other calls and they did not give the mini Miranda on the last XXXX calls with them which I have recorded as proof because I do not trust AES, they are criminals and should be arrested. AES often gives out bad information, their automated system gives out the wrong amount which I have recorded and the supervisor on XXXX/XXXX/15 acknowledged the system was incorrect but they never fixed it. This is illegal per federal law therefore all credit marks should be removed. I need all of the credit marks removed so I can get the loans consolidated with a new company that I trust. XXXX XXXX keeps claiming that I am lying even though I have the recorded calls to prove it. The reps clearly do n't know what they are talking about, XXXX told me they did not have to send me proof that XXXX owns this debt even though they send letter saying I owe every month.
I got my property tax bill of {$2000.00} from town of  XXXX  and I paid {$2000.00} myself on  XXXX   XXXX  and posted on  XXXX   XXXX . Later I got a statement from my mortgogae lender  Santander B ank which stated they also paid the property tax on my behalf  XXXX   XXXX . I contacted the town of  XXXX  (  XXXX  ) and I was confirmed that there is no double payments and the only payment the town recieved was the  one p osted on  XXXX . I have contacted  Santander twice for the re imbursement, they insisted they paid o n    XXXX   XXXX  .I have provided them my payment record and asked the bank to show me their record, otherwise they need to reimburse me. They promise me to solve this problem by  XXXX   XXXX  and failed and continue to insist their payment on  XXXX   XXXX  while they cannny show me any proof. So far I have not got any reimbursement from the bank or any proof showing the bank did pay the property tax.
Good afternoon, This complaint is against XXXX XXXX and the way they are handling electronic payments.

I paid my card the last thee times as followed : XX/XX/XXXX {$50.00}, XX/XX/XXXX {$280.00} and XX/XX/XXXX {$360.00}, total {$690.00}, I make my payments electronically and they leave my bank account the day after I make them, today is XX/XX/XXXX and they have not yet make my payments available to me, I have had that credit card for at least 4 years with a clean record, I have never missed a payment nor bounced one. This is a very unfair and deceptive way of conducting business and it is not in the client 's best interest.
On XX/XX/XXXX I paid this debt in the amount of {$33.00} but on my credit report it was reported that I owed {$170.00}. When I contacted the company in XX/XX/XXXX they told me that I only owed {$33.00} but before XX/XX/XXXX -XX/XX/XXXX it was reported to XXXX  that the amount owed was {$170.00}. 

I recently sent XXXX, after trying to dispute this several other times that this isn't my bill because per the company there was never an amount of {$170.00} that should have been reported. 

Now it is listed as a " CHARGEOFF '' but it was never my bill and it was paid in full-never charged off.
I got a Chase Freedom Credit Card a few months ago and on XX/XX/XXXX Chase decided to close my account. I usually make a minimum payment and I still have the year promotion to pay off the credit card and it will end in XX/XX/XXXX. So, I was not worry about that to much as long as I did my payments on time. I've never done a late payment before so I was surprised when I got my account closed. On XX/XX/XXXX I did a payment of {$1000.00} to lower my amount. I have always been in good standing with my credit and I don't want this closed account to hurt me in any way because I want to always have good credit especially that I have been working hard to have good standing credit.
I had filled a complaint # XXXX with Equifax, after I filled my complaint I received more supportive documents " attached " from XXXX, the creditor in question. However I was not able to submit my supportive documents on line to yo " proving that XXXX did their part and Equifax has not. 
After speaking with your representative on XX/XX/2018, I was informed perhaps it is a good idea to start another complaint and include my new supportive documents. Please see attached
I was approved under the General Forbearance XX/XX/2016-XX/XX/2016. Although I have documentation supporting the facts from the service provider ( Fed Loan Servicing ) of the approval they are reporting me late for XX/XX/XXXX, and XX/XX/2016. XXXX, and XXXX updated my credit report manually since I provided the documentation and filed a consumer dispute. however each month Fed Loan Servicing is repeatedly reporting the late payments which in return has caused my credit score to suffer tremendously.
I was affected by Hurricane Irma. I applied and recieved a forbearance. After the forbearance, I applied for a loan modification and was told I was approved. I have made all of my trial payments but now when I call the service can't tell me when I will get modified. They keep saying it's been escalated or its worth the underwriting team. I called today, XX/XX/XXXX, and spoke with XXXX XXXX who said the same thing as everyone else. US Bank has sent me no documentation about the loan modification and are unable to give any solid answers except.its been escalated.
Ive tried to contact XXXX XXXX XXXX ( formally dealer funding ) and they 've denied my request. To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for my account [ loan account number XXXX ]. 

During that time, my mother fell XXXX XXXX and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she XXXX XXXX and was unable to make my car loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. 

I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. rebuilding my future. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank You.
Equifax did not implement appropriate protections for consumer credit reports and their personal information. Information about the breach of public trust follows : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. ''