WillisBack/dataset-financial-user-claim huggingface dataset:
I had an automobile loan with Nissan Motor Acceptance. I madde timely payments for most of the life of the loan. well towards the end of the loan life i experienced financial difficulty. I called Nissan as I was unemployed foir an extended period of time over one year. I was told that i could defer payments for up to 4 months and request this separately for each month. i lost my job as i needed to go on XXXX leave. with a XXXX my job at the time let me go to avoid XXXX payment. in any event i needed to defer my payments. XXXX granted them however they repossessed my car during this deferment i had only XXXX payments of XXXX left before the car would have been paid off. they added repossession fees and interests and sent me to collections. at the time i was XXXX and finances and did not know how to dispute this. please investigate and resolve. my credit is ruined with the reposession and the car is gone and it was almost paid off.
Prestige Financial Services has been constantly calling me, threatening me and harassing me at my place of employment. I 've received calls from them on the following dates below : XXXX XXXX, XXXX ( 2 times ) XXXX XXXX ( 2 times ) XXXX XXXX, XXXX ( 2 times ) XXXX XXXX, XXXX ( 2 times ) Weekend XXXX XXXX, XXXX ( 2 times ) Weekend XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I 'm making payment of the vehicle as scheduled but for so me reason, they representatives do n't communicate with each other on the status of my account so they take turns randomly calling and harassing me. This is causing me to be unproductive at work due to the constant harassment from them. They should NOT be calling me and harrassing me with threatening phone calls at my place of employment I need it to stop immediately. Thank you!
Have received calls nearly every day for more than a year from Portfolio Recovery regarding a debt from more than 17 years ago that I am no longer responsible for.
On XX/XX/2018 I sent a certified dispute letter to Experian regarding reportings of bankruptcy on my credit report. I asked that the information be removed because they are not my files and to provide proof of verification on how they obtained this information. On XX/XX/2018, I received an email from experian stating that the information was updated and is accurate. On XX/XX/XXXX I called experian to receive proof of verification and I was laughed at over the phone, I was told they didnt have to provide proof of who reported it. I also spoke with a floor supervisor name XXXX who states he is in a call center in XXXX XXXX XXXX XXXX. XXXX informs me that the bankruptcy court verified this information. However I spoke with the clerk of the US Bankruptcy Court of XXXX District Georgia who informed me that they do not report any information to the credit agencies. Experian is refusing to provide me with the company whom they claim verified this information. And based on the information I received they did not get verification.
Received my credit report from equifax, XXXX, XXXX in regards to some inaccurate information on my credit report of charge offs from united illuminating that I have disputed and would like for that information to be remove from all of the credit agencies to no avail I want this information to be gone
I have contacted Navient trying to lower my payment for my student XXXX student loans. I have suggested a payment of XXXX dollar monthly because at this time that is all I can afford. Navient then proceeded to tell me that they declined the request because not only do they not accept international schooling but they also wo n't because I have run short of deferment time. I am really trying to settle this loan because I am about to graduate in a year. They then proceeded to threaten me with sending my account to collection as well as sueing my grandmothers and putting a lien on their homes. I feel that the way that they are responding to me and not willing to assist me is byfar not the proper business ethic and value that American business culture embodies.
NO Options for Underwater Refinance HARP Ineligible Loans : As I completed the initial steps of the refinance process over the last few weeks, I had some uncertainty as to appraisal value of my home but thought that it was presently an ideal time to attempt refinancing as there were numerous sales in my area in the last XXXX months and at increasing prices. The actual appraisal value of my home completely shocked and disappointed me. The appraisal value indicated that I am severely underwater by almost - {$80000.00} XXXX 80 % of the appraisal value in relation to the unpaid loan amount ). Refinancing, if it happens, is going to be a hurdle because according to Wells Fargo, the least amount of cash I would need to bring to closing is approximately {$45000.00}, with private mortgage insurance ( PMI ) premium payments each month. PMI will most likely take several years before it is eliminated based on how underwater I am currently. 
I want to honor my debt with Wells Fargo but I also want take advantage of the lower interest rates. I want to remain and continue raising my family in my home in XXXX XXXX. I am employed. Thank XXXX. I have never been late on payments of any of my debts, including my mortgage. Thank XXXX. I have a very good credit rating. Thank XXXX. 
I know that I am not eligible for assistance under HARP, because my original loan is not XXXX or XXXX XXXX. I was informed that my loan was packaged and sold by Wells Fargo to XXXX and that there are no programs to assist me, although I am underwater. This fact is hard to accept because accepting this fact would lead me to believe the saying that the " nice gals finish last ''. This is a saying I am not willing to accept because I always step out on faith. I do n't think my issue is a unique one and I hope something can be done to help me refinance. 
I am writing to bring this to your attention and I am hoping to get some assistance as the window for me to refinance is closing. 
There should be some help extended to homeowners like myself who want to take advantage of the lower interest rates but can not because of having a underwater value to mortgages who are not HARP eligible because banks pooled and sold mortgages to private investors who have not done a thing to help since the housing market collapse. Some pressure should have been placed on these investors and help extended whether for HARP eligible or not.
I am filing this complaint because Experian has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
In XX/XX/2017, XXXX XXXX XXXX reported my account as 30 days late during a disaster relief period here in XXXX for Hurricane Harvy. I initially made a loan modification for 2 months when I had asked for 3, they refused but said to call them back if I was still having trouble at the end of 2 months. When I called them back they readjusted the loan payments and I began paying on the modified loan. I checked my credit report and found that they reported a 30 day late in XXXX. I called the company twice to fix this. I even contested with Experian and asked them to verify. To this day the late is still reflected and the company will not explain why they suddenly changed their policy to report me during a declared disaster period.
Equifax has refused by phone to investigate the unauthorized hard inquiries. The two from XX/XX/XXXX were removed but has re-appeared. 

XXXX XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX. ( Auto Finance ) XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX. ( Auto Dealer ) XXXX XXXX XXXX XXXX /Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) XXXX XXXX Inquiry Date : XX/XX/XXXX. ( Bank Credit Cards ) I have not made Credit Applications or authorized inquiries to any of these companies. I ask for Equifax to do the honorable thing and remove these from my credit report. Thank you. XXXX XXXX XX/XX/XXXX
College : University XXXX XXXX Location : XXXX, CT It has been a nightmare dealing with Discover Student Loans. In XXXX, XXXX, and XXXX Discover Student Loans verbally harassed and disrespected me. They called me early in the morning and late at night, they hung up the phone on me, they took more money from my account than I authorized on numerous occasions, they gave me false information, and while all this was happening interest was accumulating causing my loan to go into default. In XXXX and XXXX they overcharged me on student loan payments. Discover created student debt stress for me by inflating my bills and misleading me about important benefits. I signed up for an Income based repayment plan and they took out more money than I authorized out of my account. They did this multiple times. I had to wait a week just to call Discover Student Loans to find out they did n't even start the refund process even though they said they would so they lied to to me. I ended up waiting an additional 2 weeks for one refund. Once I got the refund it was not the correct amount so I had to wait an additional week to get the correct amount. They stole more money out of my account a second time by taking more money than I authorized them to take. I had to wait another 2 weeks for a second refund. This type of illegal practice subsequently resulted in my private student loan accumulating interest while I was getting abused and ending up in default. Discover never gave me a fair chance at paying off my student loan. I have complained numerous times to CFPB and Discover since XXXX and here we are in XXXX with no help, 4 Years! The loan accumulated interest and got sent to a collection agency/lawyer. Discover Student Loans treated me like I was n't even a human being. I have never felt so disrespected in my life. Discover Student Loans is notorious for Illegal Servicing Practices. 
I also feel as if race could have been a factor since I have a XXXX sounding last name and this is America! I know how people should be spoken to because I have a long history in customer service. The way I was spoken to, the misinformation that was given to me, the tone that was used during those abusive phone calls, and most importantly there overall practice felt like oppression. My credit is messed up because of this defaulted loan and I am emotionally stressed and my quality of life has been affected.
Discover did not provide the most basic functions of adequate student loan servicing for a portion of the loans that were transferred from XXXX including me. I encountered problems as soon as my loans became due and Discover gave me account statements that overstated their minimum payment. Discover denied me information that I would have needed to obtain tax benefits and called me at inappropriate times about my debt. Discover violated the Dodd-Frank Wall Street Reform and Consumer Protection Acts prohibitions against unfair and deceptive acts and practices, and also the Fair Debt Collection Practices Act.
I have repeatedly disputed this with both Wells Fargo Dealer Services and the credit bureaus. A late payment is on my credit report in XXXX XXXX. The initial problem with this payment was mine as my bill payment was not made as set up on my bank account. 
However, the payment was NOT 30 days past due. The due date was XXXX/XXXX/XXXX and the payment and an authorization was submitted by WFDS to my credit union on XXXX/XXXX/XXXX. I was told it would post on XXXX/XXXX/XXXX and they posted it on XXXX/XXXX/XXXX. This caused the payment to exceed 30 days past due. Multiple disputes have had no results. As a result, the loan was paid off in XXXX XXXX and refinanced with another lender.
I would like to file a complaint against Equifax for knowingly placing inaccurate information on my credit report. I disputed inaccurate information and inaccurate inquiries. 
Equifax investigated and sent me their dispute results. They deleted XXXX collection account and deleted XXXX inquiries. But on the new updated credit report Equifax sent me. Equifax listed the same XXXX inquiries and the same collection account that they deleted from their investigation. Equifax is knowingly placing deleted inaccurate information on my new credit report. I want Equifax to be fined for this, and made to remove this information a XXXX time from my credit report. This is so outrageous. I will be enclosing a copy of everything as proof. Please view below : Inquiries removed : ( XXXX ) XXXX XXXX  DATE OF INQUIRY XXXX/XXXX/XXXX. ( XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX ) XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX ) REXXXX XXXX DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX DEALER SERVICE, DATE OF INQUIRY XXXX/XXXX/XXXX XXXX XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX Collection Account removed : XXXX XXXX, ACCOUNT NUMBER XXXX The XXXX inquiries and XXXX collection account were deleted by Equifax. XXXX XXXX XXXX and XXXX XXXX of the enclosed report. Page XXXX of the update credit report shows Equifax relisted the deleted collection account, XXXX XXXX, ACCOUNT NUMBER XXXX. XXXX XXXX of the updated Equifax credit report shows Equifax relisted all XXXX inquiries they deleted, which are located on XXXX XXXX and XXXX XXXX.
My VA mortgage was sold in XXXX 2015 by XXXX XXXX XXXX to Carrington Mortgage services in the middle of an assumption ( my name is to be removed and the co-borrower is to remain ). The new servicer ( Carrington ) has no record of the in process assumption and asked that all the paperwork be forwarded to their research department in XXXX. The paperwork includes the release of my VA liability from the VA. Carrington stated it would take the research department 30 days to process the paperwork. They were contacted again in XXXX and no one had any record of the paperwork being received or processed. They also provided no contact info for any one at the Research Department. Just submitted the paperwork for the XXXX time.
2 years ago, I was able to work with the rate reduction team at navient, to lower the interest rate of my loans and have a fixed payment for the life of the loan. These payments were set up automatically, and for the next 2 years taken religiously without issue. 6 months ago, I was given a call stating that one of the loans were coming out of the program and no longer eligible ( after I was told they all were enrolled in the program ) I explained to the representative what I was told and who I spoke to 2 years prior and they were able to find the recordings and they would enroll the single account back into the program. 2 months later, I got another call from someone else, stating the same thing. In which, the same conversation ensued and the same result. 2 months after that, someone else called on the same issue, in which I explained and they told me everyone I spoke to prior to was wrong, and this particular loan was not eligible for the rate reduction program. They then had proceeded to place late payments on my credit report, and the automatic debits they had placed from years prior to was still paying that loan at the amount we agreed on, however, since now they wanted to say that one account at a 10 % rate was not eligible the amount they were debuting was not enough. I have been going back and forth with them, to backdate the loan, update the payments and my credit so that it is properly reporting my payments that been applied and taken on time. However, up until now, I still have no answer and have spoken with numerous representatives that acknowledge where they messed up and attempting to rectify with the credit area but tell me I have to wait 30 days for an answer from 3 different areas, in which, in the last 2 months I havent been able to have anything update and my credit continues to plummet. Ive disputed the information with the credit bureaus and they are receiving information from navient stating the late payments are correct, when they are telling me they will update the right information and notify the credit companies that I was never late.
I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX  and the credit bureau XXXX, Experian and XXXX, I even conferenced a call with XXXX and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).
I previously filed a complaint against XXXX XXXX on XXXX which XXXX XXXX falsely claimed that I had used an insurance card at doctor visit when in fact I received a " self pay '' discount and did not use an insurance card. XXXX XXXX has now come back to me requesting that I complete a " identification fraud '' form, however this is bogus since I never requested Colorado XXXX XXXX to perform a lab test and I never received any lab report from CLS for alleged lab services. The amount of {$200.00} has been reported to credit reporting agencies in violation of state and Federal law, and XXXX XXXX has NOT removed this false report from my credit history. Further, XXXX XXXX in their response to XXXX claimed that the alleged charges are reasonable but I found that CLS, a member of XXXX XXXX XXXX XXXX is generally XXXX to 35 % higher than other Colorado XXXX labs such as Quest, XXXX, or the XXXX Hospital or XXXX XXXX labs. The primary complaint is that I did not order the lab tests, would have been self pay if so ordered, and I would have used a cheaper but competent lab. This debt is FRAUD, and XXXX XXXX should be charged with FRAUD.
Mariner Finance LLC sold my auto loan to another lender in XX/XX/2018. It is now XX/XX/2018 and I still have not been notified that my loan was sold or who it was  sold to. I learned about it being sold by my credit report. They are still holding a lien on the vehicle as well.
Here is the letter I sent the collections agency. It describes the situation well. 
XX/XX/XXXX REGISTERED MAIL Transworld Sys XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam, Today I was reviewing my credit report and I learned your agency filed XXXX collections on my credit report on XX/XX/XXXX. At no time did I receive anything from your company stating that a collection action had been filed nor have I been given an opportunity to determine if these debts were legitimate before you placed them on my credit report. 

In researching these bills I have discovered that these collections were sent to you by XXXX XXXX XXXX XXXX, XXXX a billing company for XXXX XXXX XXXX, an in-network XXXX XXXX XXXX XXXX. Despite a date of service XX/XX/XXXX XXXX XXXX failed to bill my insurance until after this account was assigned to your agency despite being given the correct billing information many months earlier. 

It appears that shortly after this account was sent to your company XXXX XXXX finally billed my insurer and was sent payment. On XX/XX/XXXX, XXXX, my health insurance company sent XXXX XXXX full payment for all services rendered under all three bills. Under the contract XXXX has with XXXX XXXX XXXX XXXX he has agreed to accept a discounted amount from members of the network, he was paid that rate in compliance with the contract however your company is attempting to collect the difference between the contracted amount and the amount billed. Your company clearly is aware of these payments because you reflect the updated balance on my credit report, this demonstrates your companies complicity in attempting to collect a debt you are not entitled to. 

XXXX XXXX and XXXX XXXX have been paid all amounts legally due them under the in-network contract he signed, neither your company nor any other party is entitled to collect any further amount. There is no basis for this collection action whatsoever. I demand you cease all efforts to collect and remove all derogatory information from my credit report immediately. Failing to do so will result in a complaint being filed with the Consumer Protection Financial Bureau. 

I have enclosed the explanation of benefits forms providing evidence that these bills have in fact been paid, had XXXX XXXX and XXXX XXXX properly billed the insurer they would have been paid within 30 days of the services being rendered like every other party that provided service during this admission. 

Any correspondence regarding this matter must be done in writing. 


Sincerely, XXXX XXXX
XXXX   XXXX ,2015-   XXXX -  I call  XXXX   XXXX   XXXX    XXXX   and they will try to removed this off my credit report because it 's  past 7 years old. n o change on my credit report.
On XX/XX/XXXX sent a letter to Equifax notifying them of two " unauthorized '' items reporting negatively on my credit report. Unfortunately, I have not received a response. As a result, on XX/XX/XXXX I followed the dispute request with an additional letter which listed several FCRA regulations which Equifax is in violation. The accounts in question are listed below : XXXX XXXX {$420.00} XXXX {$2100.00} Furthermore, during the time the alleged XXXX account was initiated and according to the 'opened ' date XX/XX/XXXX it would have been impossible for the account to have been opened by myself as I was a minor at the time. I 've attached my drivers license for verification of my age. Conclusively, I 'm not responsible for either account and as such have filed a report with the FTC.
I am finding out my house got sole last week I got a modification offer from Ocwen 1st payment due XXXX 2016 next due XXXX 2016 I did not understand it said i owed XXXX with a XXXX Balloon also showed my escrow of XXXX my escrow was and is XXXX I ask them to explain they said were getting me the infomation I keep calling over and over the same thing and when I called on XXXX XXXX, I was told since i did not pay in XXXX the Mod was off I ask to explain what i have and would have paid if they got back to me and why can i not make both payments so again they would check into it and get back with me. I been calling and got a call from a realtor yesterday my house was sold back to the bank and he wanted to give me money to sell it I was never told it was being we have good jobs and can pay for it this was my grandmother home the only place me and my kids have lived i been paying on this mortgage for 11 years I do n't know what to do Please help me save my home!!!!
Site magically goes down for " maintenance '' every time it 's a opportunity to buy  XXXX . This site is a business is a scam! NO LIVE CUSTOMER SUPPORT!   XXXX    being stored on there platform!!
Pinnacle Credit Service keeps illegally reporting a collection account on my credit reports. This debt is past the statue of limitations and Pinnacle refuses to validate the debt because they have no information regarding this debt. I 've called the original creditor and they have no record of this debt being sold to pinnacle credit services.
This is a complaint against XXXX, inquiry date : XXXX XXXX/2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.