WillisBack/dataset-financial-user-claim huggingface dataset:
When I entered XXXX XXXX College, my father, a single-parent was only able to get a Parent Plus loan my first year. After that the financial aid department recommended XXXX and said it was the only option. When XXXX sold to Navient my government loan switched to private without my knowledge or approval. Fast-forward to now, my father, nor myself can not afford to pay the absurd amount of {$800.00} a month and I do not have the option to defer or have a monthly payment per my salary. This has put a great financial burden on myself, as well as my father who now works XXXX jobs in attempts to rectify this. Immediate help needs to occur as the Navient workers have been rude, and extremely unhelpful in any rectifying of this matter.
According to XXXX XXXX XXXX, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012, when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. XXXX and Transunion. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as XXXX is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on XXXX XXXX XXXX. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.
The bank has charged me over {$900.00} in overdraft fees in the last XXXX days and most of them are not legitimate. They are just taking advantage of poor Americans who are struggling to make ends meet.
XXXX XXXX has my XXXX XXXX as XXXX as reported by Experian, this is totally wrong! Therefore, I was charged a high deposit to establish service with XXXX XXXX. I called every number to speak with someone at Experian and all I get is automated and no customer service. My score is XXXX, and I have had to put out more money on deposit than I should have. XXXX XXXX won'y take any responsibility on the matter so I have zero help on both ends.
There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more tha n 10 time s explaining the info is inaccurate.   XXXX    constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.
this company continues to list an amount not due constituting fraud furthermore the original debt was paid over a year ago to the original debtor XXXX XXXX XXXX and XXXX is not entitled to a collection fee since they did not collect the debt, this has already been removed from XXXX and XXXX at least once or twice but has continued to reappear furthermore the dates are also incorrect considering i opened this account in XXXX of 2013 and was closed as of one year ago last XXXX
Company filed a negative comment on my credit report. Did not receive any written communication from them.? This company inundated my land line for several consecutive days. I would not give them any of my personal information because I was unsure if they were a scam for my identity. I asked them to send me the invoice and also I was told that it will be put in dispute STATUS AND WOULD NOT BE ON MY Credit report till they here back from the creditor. next thing i know its on my credit report and I never received the invoice till this day!!!! but they added a derogatory comment on my credit report.I DESERVE VAILIDATION OF THE DEBT.
I paid off my mortgage loan in full on Wednesday, XX/XX/XXXX and have not received my {$920.00} escrow refund within 20 business days as required by RESPA regulations. It has now been 28 business days and after repeated calls I am constantly told that the " check is in the mail ''. My online account activity states that the escrow funds were disbursed on XX/XX/XXXX however when I just spoke to the Mortgage company 's escrow representative they state that the funds were mailed on XX/XX/XXXX ( conveniently the 20th business day ). I stated that I just received mail today that was sent on XX/XX/XXXX by my current mortgage servicer and again told " I will receive in mail '' with no remedy on receiving these funds. I believe that this constitutes violation of RESPA regulations since the company has not offered to take any actions to expedite the delivery of funds that I should have already received. It has been very frustrating to deal with this mortgage company and I believe that they are not properly equipped/staffed to satisfy customer complaints. I stated very clearly that I felt this was a violation of RESPA and that I would place a CFPB complaint and they did not attempt to take any further actions to remedy the situation.
From my understanding that Nationstar will not give extension until they get the approval from XXXX. The first had approval for Nationstar was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor Greentree. 

This is disappointing. It starting to feel like a tug of war, if we do not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 
At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and XXXX XXXX member is XXXX and I have to tell him this disappointing news.
On XX/XX/XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX
I have received a total of seven calls from Convergent Outsourcing. I do not owe any money. I have submitted numerous complaints now to the CFPB to try to stop these calls from various other debt collection agencies. Since getting my new cell phone over a year ago, I have been plagued by calls from debt collection agencies because apparently the number is somehow connected in the debt collection agencies ' computer systems to some other person 's number who has debts. The response from the debt collection agencies is always the same : " We have no record of having called your number. '' But they are calling me! Here is a list of all the calls I have received from Convergent Outsourcing ( all times are in Eastern ).
<P/>
 XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET
I am on the end that suffers the most, I am innocent but the reporting agencies never make a mistake according to them, they can go on and on and after they XXXX up your life for a yr. or XXXX they say oh we made a mistake sorry, the biggest scam now is credit fraud, how do we know its not coming from the reporting agencies ill bet on that
I opened a checking account at XX/XX/2017. And i opened the checking account cause they offered me {$300.00} bonus, if i complete {$2500.00} direct deposit within 60 days. As their promotion says after meet all requirenments i should get that bonus within 95 days. 

Their terms said " the bonus will be credited into the new personal checking account no later than 95 days from account opening. '' But after 95 days later they didn`t gave me the bonus i called them and they told me to wait 125 days and i waited. they said i met all the requirenment but they will contact with me but they never. Today i called again and they told me to wait till XXXX to get that bonus. Today is 135 days and its counting but they are like playing game with their user. I have all the screenshot of their terms and advertisement. Its just misleading and I need my {$300.00} bonus as they promised since i completed all requirenment.
On my account it says i have missed a payment but i have never missed a payment. I only had a late payment and my credit score lost a couple of points because of it.
I had a few past debts. I paid them with the settlement agreement. It was wired from my bank to theirs. They are refusing to give me a paid in full receipt. Stating they have to put a hold on it for up to ten days. I have a family of XXXX. I just gave them almost {$1700.00} to pay them in full. I need this receipt because we 're poor that exhausted most of our funds. We 're trying to get a house loan, they need the paid in full receipt to add to our case, the debt collector is refusing to send me anything. I 've called a few different times requesting this since Wednesday XX/XX/2016, when the funds came out of my account. They 've been rude, said they 'd send me a letter to respond to so they could send me a transaction notice, but I have n't received that either. I need this receipt now. Please help
On XX/XX/XXXX an attorney representing Ditech Finncial LLC., and I reached a signed loan modification agreement. Subsequently, Ditech mailed out modification paperwork for me to sign which was incoorect. The agreed upon principle balance amount was incorrect. The agreement was to have the principle balance of the modification to be {$210000.00}. However, when the paperwork was sent out the principle balance was {$220000.00}. 

On XX/XX/XXXX I called into Ditech and spoke to XXXX at ext # XXXX and informed her of this discrepancy. XXXX acknowledged the mistake and informed me she would request a corrected loan paperwork package be mailed out. However, when the second set of papers were sent out, they were also incorrect ; Still showing the higher than agreed upon balance of {$220000.00}. 

I have since sent Ditech two written qualified requests, asking for this matter to be corrected but Ditech still has not conformed. 

I also asked for the new modified loan papers to only include my name only ( and not my ex wife ) as I have a recorded document with my county ( quit claim deed ) but, again this request also was not complied with by Ditech. 

Finally, in conclusion, Ditech also has illegally kept more than {$12000.00} in escrow overage for more than 3 years. I have sent written requests, asking for the excess overage to be refunded. Ditech has not returned these funds either. It is my opinion Ditech has not acted in good faith on many counts in their dealings with me on this mortgage account. I am including copies of all documentation. Please help me convince Ditech Financial LLC. to act in good faith and honestly to correct my account, without using their predatory practices in the future. 

Thank you sincerly, XXXX XXXX
My driving record had mistakes on it. Making it difficult for me to obtain auto insurance at a decent rate
XXXX   XXXX   XXXX    continues to report that I have an open account and that payments are incorrect. I have already signed a legal document that states the mortgage and dead have been surrendered to   XXXX   XXXX  .  XXXX  already shows the corrected information that matches the legal document, yet trans union is still receiving incorrect information. All documents have been filled with the court system.
During the month ofXX/XX/XXXX, I purchased a car though XXXX  XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help. 

XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
XX/XX/XXXX I reached out to Transworld to inform them that the account that they are reporting under my social is a result of identity theft. Transworld informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days. 
They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.
XXXX  one will not work with me and my hardship. They made process harder and more costly.
Midland Funding , LLC ; BY ITS SERVINGS AGENT ; MIDLAND CREDIT MANAGEMENT INC XXXX CA XXXX, XXXX XXXX XXXX XXXX LAW FIRM ; XXXX WI XXXXthese creditors are trying to collect a third party debt from me after I informed them that I do not pay third party debt collectors or their attorneys. I do n't know what the original debt was for or from, nor do I care.. Do not contact me, or any third parties regarding this or any other unsecured debt. 

Furthermore, I formally dispute the validity of this debt, due to the fact that several unsecured debts credit card, medical debts, and student loan debts, personal loans, cell phone bills, utility bills, bank overdraft charges, unsecured auto loans, payday loans and/or the like have engaged in the practice of selling and reselling the original debt for collection by agencies and law firms such as yours. This has the result of turning an single debt into multiple debts from various collection agencies all for the same debt plus costs, handling charges and/or the like assorted fees. 

I have informed them of this XXXX times already. Now they want me to meet them in a Court commissioner office on XXXX XXXX, 2015. The attorney says that I am in contempt of court for not contacting her. I do not believe that America has a debtor prison or debtor prison collection system. Please have them leave me alone.
I dispute all unverifiable transactions contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX by XXXX XXXX summary disclosure. 

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or  application. 

Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
I received an unsolicited XXXX Rewards credit card from Chase Bank sent to my office last month, this was a card I never asked for and did not want. I called Chase bank and they closed the account and sent me information on credit monitoring and protection. I called XXXX, as I do have a business XXXX account, and they seemed mystified as to how this happened. I do not do business with Chase Bank at all. I do not believe I need any further resolution, just wanted register a complaint that this happened, in the wake of the XXXX issues, wondered if Chase was doing something similar.
Experian is refusing to prove in writing, their validation and verification process on closed accounts that they are reported as " failure to pay ". 
Accounts are closed and not from the original creditors. 
Amounts are incorrect and not the original amount owed. 
Accounts are showing inaccurate non-payments. 
All addresses except : XXXX XXXXXXXX XXXX XXXX, CA. XXXX are to be removed All Hard Inquiries except XXXX XXXX were NOT approved by me.
According to the collection agency, they assumed a debt that was less than THREE MONTHS OLD. That is vile. I also have no way of verifying if the total amount I owed is correct based on the information I was given by both doctor 's office and collection agency.
Synchrony Financial automatically rejects applications for credit if a bankruptcy is involved. Why do they not state right up front that they will NOT consider or approve applications if a bankruptcy is present or on record in the past? They actively solicit & pursue applications from me yet never approve. They will also not advise of what credit score a person must have in order to be approved. Their reasoning does not seem objective or consistent.
We have subpoena records from Ocwen Loan co for all their internal emails BC I did a deposition for a whistle blower case out of Texas and they are not responding to my lawyers request ... we are now in active foreclosure pending a sale date BC of this place they are not responding BC the particular email we subpoena has them laughing and joking and making fun of us..this place is ruining families lives and you just keep letting them
My husband and I went to Macy 's to buy bedding on XX/XX/2016 : a duvet, duvet lining and matching pillows. At the time of purchase the sales clerk suggested we apply for a Macy 's credit card to receive an additional 5 % off. We applied right then and there at the sales counter. We were denied, so we paid for the bedding with our personal credit card. PROBLEM- we received a Macy 's credit card in the mail account number - XXXX with a statement showing a charge for the bedding. Incidentally, we never signed anything for a Macy 's credit card. We called Macy 's - ( have been calling for several months now ) explaining the situation to a 'supervisor '. We mailed copies of our credit card statement verifying that this was paid for with our own credit card. Every time we call, we get the same line : " We understand, we will take care of this ''. Up to this month there has not been a minimum due because we were 'in dispute '. This last statement, not only was the charge not taken off of the Macy 's card, a minimum payment is due. My husband is very worried about our credit so he went ahead and paid the Macy 's charge of {$550.00}. on XX/XX/2016. So we have paid doubled for this bedding. They wore us down and they won. Can you help us get our money back from Macy 's?
Poor cosemmunication of Mortgage Loan officer XXXX XXXX, causing problems with closing. Although I complied with every aspect of this process, and sent in all documentation, by fax from Bank of America XXXX TX XXXX with OK confirmation. the Loan officer XXXX XXXX failed to tell me that my application was declined after we had a closing date and I was told that everything was fine. I attempted to contact the mortgage loan XXXX XXXX XXXX multiple times, and she would not call or email me back.When I spoke with Vicepresident CS sales Manager XXXX XXXX, he told me that my file had been declined 10 days prior to me calling him.She has sent and email to me and the Title Company XXXX XXXX on XXXX XXXX stating that she was waiting on the underwritting to confirm closing. According to Vice president XXXX XXXX, my file had been declined on XXXX XXXX, I still have yet to hear from Loan officer XXXX XXXX, and I have since rented my house out, since she let me to believe that everything was fine. My children and I now has no place to go due to her poor communication and unprofessionalism,, and I may lose the contract on the house that I am trying to buy. I was also told that if we did not close on XXXX XXXX, I would receive {$500.00}. Bank of America is obviously not concerned with my family 's safety or well-being and has been very unprofessional in this entire process. I will provided all the documentations for this entire process. thank you so much for helping us. XXXX know how many has going through the same situation like me.
Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX  XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy Discharged CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.