WillisBack/dataset-financial-user-claim huggingface dataset:
As I attended the University of XXXX in XXXX PA between the dates of XXXX to XXXX, I had to take out a combination of loans, both private and federal. The school was XXXX of the best schools I got into and I did n't have the best grades in high school so when I got accepted and started attending the only thing I cared about was staying there and graduating, which I did and I am very proud that I have. However, the tuition there exceeded the amount of money the Federal Government would grant me in loans, thus I had to take out pricate loans through PNC bank to support the remaining costs. In the end I had about XXXX of private loan debt and XXXX of federal loan debt. The XXXX I have to pay a very high amount, almost {$500.00} per month and I can not change that number, can not refinance, can not renegotiate, and am powerless also on the interest rates since they are variable. I do not make a ton of money each year and in combination with my federal loan monthly fees, the total is over {$700.00} per month in just loans. I work in the XXXX, so I dont make a lot of money. The only options outlined to me was that if I wanted to get a new monthly payment, a lower one, Id have to take out a personal loan through a bank. They would not approve me for a loan of XXXX unless I had collateral, like a house or an expensive vehicle. Ive contacted private institutions, like sofi loans and the quotes of their interest rates are unbelievable, XXXX and up. Id be paying over XXXX if I took out a private loan per month. I am stuck. I find ways to work XXXX jobs to stay afloat and the downside is that if I make too much money then my federal loan payments go up since Im on the IBR and would leave me paying close to XXXX per month in just loans. I find it unfair that students are being put into situations like this because they attempt to get a good education. I went to school for 7 years and at times I wonder if I just stayed out of school maybe Id be a XXXX making close to what I make now an hour, its depressing. Its not fair that the private loan companies take advantage of uninformed students and lock them into loans that are VIR ( variable interest rates ) and despite me paying them back since the end of 2012, never missing a payment mind you, they dont offer me any other possible change to the repayment plan.
I had a judgment placed against me by a debt collection agency who used a fictitious name ( for me ) for a debt that I supposedly incurred with a credit card company that I never applied for. I didn't know they had any judgment or charges against me since it never showed in my credit report, I was never contacted by them and there has been no collection attempts on their behalf that I recall prior to the filing of the original case in XX/XX/XXXXfor a debt that they claimed occurred in XXXX. I also never received any judgment papers from the court or any fees associated with this claim. I got a reviver of judgment paper last month for {$10.00}, XXXX up from the amount that the original amount started at in XXXX for {$7600.00}. The case is still going to be heard for the revive motion next month and still being processed under a fictitious name. This debt never occurred by me or anyone on my behalf because I have never owned a credit card ( other than prepaid ) after my ex husband filed for bankruptcy on or about XXXX and I had to be included in it against my wishes. I would never have used the name that they submitted the claim against me and I was never given any verification of the debt. When I contacted the attorney representing them, they would not let me speak with the attorney on file, the receptionist however refused to give me any verification of the debt other than who the debt was supposedly incurred with originally and the dates that it supposedly happened. These allegations of debt will not be verified, I would never use such a name and I have never used a credit card since bankruptcy. The credit bureaus also put a fraud alert on all my credit reports since this happened and removed the fictitious name from my accounts used by this debt collector.
As I am reviewing my credit report I see some items that are not mine. I 've never lived in XXXX and notice some credit information which I have created a police report in XXXX around XX/XX/2005. I also see some items involving XXXX and XXXX which are not mine as well. I will.like this matter investigated and cleared from my credit report. 
My contact is XXXX XXXX XXXX
On XX/XX/XXXX my credit institution ( XXXX via XXXX ) sent me my credit score ( XXXX ), which was much lower than in the past, indicating I should check my account for fraud. On XXXX I ran my credit report and saw XXXX # XXXX ( XXXX ) listed with Balance {$4900.00}, Original Creditor : XXXX ( XXXX ), Placed for collection : XX/XX/XXXX I called the collections agency who said they had called and spoken to a " XXXX '' on XX/XX/XXXX regarding the account being in collections. I did not receive this call and this is not my account. The collections agency reported the acct is in my name and same last XXXX digits of soc sec # but a different st address. I called XXXX and reported fraud/identity theft and a fraud claim was started ( ref. # XXXX ). I also submitted an identity theft claim to Transunion XXXX file # XXXX XXXX and Equifax online. I then called and reported this to XXXX. ( case # XXXX ). This is not my XXXX account that was sent to collections at XXXX. This is identity theft/fraud. I am requesting it be removed from my credit report and my credit score be re-set to what it was prior to this incident.
Ocwen took over servicing my loan, from XXXX, and is not honoring the modification that was in place. I have my XXXX contract as well as My receipts with on time payments. I paid on my modification for 10 months. after ocwen took over servicing, they foreclosed, evicted, and caused me servere harm. I fought in court and managed to get my home back yet ocwen is failing to honor the existing modification. They have just offered me a different modification that is completely different, unfair, and significantly more money. They are threatening me with foreclosure unless I sign this agreement.
I have a mortgage with fifth third. I have never missed a timely payment. They are listing me as late for a month and reported it a negative on my credit report. They failed to apply a payment so it was not my fault. I have tried to work through the issue with them without any success. I recall receiving a letter from them that they had mis-reported the payment but I can not find that letter. It is wrong for them to report me as negative and I am requesting that they report it correctly. Attached find the payment history. Apparently the bank decided to increase the escrow. I did not recall receiving any notice of the increase. I paid the XXXX amount ( see attached bank statement check XXXX ). The payment history shows that as unapplied even though I paid the mortgage and interest. It is wrong for them to report me late when I paid on time.
I applied for a va cash out refinance with a broker on XX/XX/XXXX and was quoted a 3.5 interest rate on his paperwork loan estimate. On XX/XX/XXXX, I got the disclosures and paperwork from ditechs showing XXXX closing costs and a 3.625 rate. My broker told me we were over the max amount allowed for fees to a veteran and would waive the XXXX processing fee to get us below that amount. He has stalled me from then until XX/XX/XXXX, sending me his own rate lock confirmations from ditechs showing a 3.5 lock and assuring me that even though I did not sign their paperwork, I was locked in. We had appraisal and termite done and I was assured the closing docs would reflect the 3.5 rate and would close by XX/XX/XXXX. In the meantime, my current lender called me and after seeing my paperwork told me he had not provided proper legally mandated disclosures to confirm the rate. Late Friday XX/XX/XXXX, after 2 weeks of stalling, I was told we were cleared for closing and he was " working on the rate ''. I was angry when my insurance contacted me to advise my mortgage had been substituted with ditech. I immediately contacted him but got no response until I received an email telling me that due to va loan regulations, the lender could only give me 3.625. I was paying points. They were charging me XXXX for just that buy down. I backed out but how is this legal?
Equifax is knowingly reporting an incorrect balance and payment status for an account that was settled with XXXX XXXX. I initially disputed the above referenced account with Equifax in XX/XX/XXXX under the Fair Credit Reporting Act ( FCRA ) but the account apparently was verified. I subsequently disputed the account directly with XXXX under Section 623 ( a ) ( 8 ) ( D ) of the FCRA multiple times, eventually even filing a complaint with the CFPB under this Federal law. XXXX response was, and I quote : '' Our records indicate that we received a payment of {$21000.00}, which settled the XXXX account ending in XXXX. XXXX notified the consumer reporting agencies the XXXX account ending in XXXX was settled. We have investigated your complaint and found that XXXX furnished information relating to your account in accordance with industry guidelines. In response to your complaint, XXXX verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. " In support of XXXX claim of correct reporting, XXXX is correctly reporting the balance as zero, with a payment status of " Settled, '' which indicates that XXXX is correctly reporting the information but that Equifax is ignoring the corrected information from XXXX and continuing to knowingly report false information to my credit report to my detriment!! This represents a blatant violation of the FCRA!!! 
I have attached the settlement letter from XXXX and the Certificate of Satisfied Judgment as proof of the settlement as well as a partial credit report, dated XX/XX/XXXX showing the false reporting.
Equifax, XXXX and XXXX credit reporting agency are reporting a Public Record Bankruptcy inaccurately. The agencies are stating that the derogatory entry has been verified to be accurate by the Bankruptcy court and XXXX XXXX Reporting company. However, the Bankruptcy court DOES NOT verify information to the agencies as it is against Federal law. XXXX XXXX has confirmed that a Public Record does not reflect on my credit reports. Although I have challenged this inaccuracy with the agencies, they are refusing to remove the entry and update my profile and score. I am requesting that the CFPB advocate for me regarding this issue.
This letter is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. please delete this erroneous reporting. 
I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Bank Of America XXXX loan XXXX ) was servicing my home loan when I file for Bankruptcy on XXXX XXXX, 2012, I never stop paying my mortgage with B Of A or XXXX I was informed by Bank Of America andXXXX XXXX If I pay my mortgage off they would file a update with the credit bureau. XXXX has remove this information from all four major credit reporting agencies. I have sent B Of A over six request ask them to file a Automated Universal Data Form ( AUD ) to all four major credit bureau, to have this information remove, and they keep send me letter that myloan with XXXX XXXX.
On XXXX XXXX, 2016, a Chase Mortgage Banker, XXXX XXXX deducted {$500.00}. from my account before the appraisal was done ( I never scheduled it ). On XXXX XXXX, 2016 I spoke with her and requested my application be withdrawn. She responded by saying ok and that the funds would be back in my account in a couple of days. XXXX XXXX made it 2 weeks so I visited the branch and was informed that the application was approved. That tactic was dirty and underhanded. It had n't been approved when we were sitting in front of her and made the request ; she put the paperwork through anyway disregarding the customers ' request.
To Whom It May Concern, Recently I tried making my monthly online mortgage payment online w/ LoanCare a XXXX XXXX . I paid my current mortgage within the grace period on XXXX/XXXX/XXXX. As a result of me paying online, I incurred a {$10.00} servicing fee. I read about this fee from my previous statement in XXXX. Therefore, in order to not incur this fee, I set-up automatic payments effective immediately. For whatever reason, my auto payment was not set-up until XXXX/XXXX/XXXX. I tried calling customer service, stating that I set-up auto-pay more than 30 days in advance of my next statement. The rep XXXX saw that I set up the auto pay on XXXX/XXXX/XXXX, but said that there was nothing she could do. I in fact spoke to her Supervisor XXXX who told me the same thing. Hence no refund for the service fee, even though I had setup the free autopay feature, yet was unable to utilize this option incurring the {$10.00} fee. The following 2 items are my specific grievances : 1. Why are they even charging a fee to pay online? I have had several mortgages, and have never heard of such a fee. Also, my closing documents say that I have a 15 day grace period. 

2. Once I saw that they were going to charge a fee, i immediately set-up for auto payments ( no fee ). So why is it my fault that I should have to pay a fee, if they take longer than 30 days to setup the payment. 

Thank you for your help, XXXX XXXX
In XXXX XXXX, I returned a vehicle I had been leasing since XXXX and purchased a XXXX Pontiac G8GT. From XXXX XXXX - XXXX XXXX I made my monthly payments of {$500.00}. I believe there was XXXX instance that my payment was late but stilling paying within that month. When I purchased the vehicle, I elected to buy a new car warranty as well as Gap insurance. In XXXX XXXX my vehicle was parked outside my home and was rear ended by a XXXX high school girl distracted at the wheel. My vehicle sustained over {$17000.00} in damage and was deemed a total loss. At the time of the accident I carried full coverage insurance through XXXX and also carried Gap insurance coverage. My insurance company paid over {$21000.00} towards the vehicle because the girl at fault was uninsured. The remaining balance of approximately {$850.00} should have been covered by the Gap insurance I paid for monthly. After all deductions made and refunds calculated Ally sent me a statement advising me that I owed the above balance. How is that possible? The entire reason I purchased Gap insurance was to cover additional costs not covered by my personal insurance company. I disputed this with Ally for several months. Ultimately, fighting a losing battle I paid Ally The REMAINING balance they claimed I owed. At which point, ALLY proceeded to report my account as a charge off. Which negatively affected my credit rating.
Currently my husband and I have a car loan with Lendmark Financial Services. On Tuesday night, XX/XX/XXXX, Lendmark repossessed our vehicle. The payment for the loan was 45 days past due. When we called to make arrangements to get our car out of repo, the lending company proceeded to breakdown the fees we would need to pay to get the car back. Among the fees was our XX/XX/XXXX and XX/XX/XXXX payment ( understood ), a {$620.00} repo fee ( only {$300.00} of which goes to the repo company ) AND a demand that we make our XX/XX/XXXX payment ( obviously not even due yet ) before we could get the car. 
In researching their tactics, I 've found multiple people who are having similar issues with the same lending company ( same location actually - XXXX, GA ). We also found out ( from our repo company who are more honest and XXXX than anyone we 've dealt with to date at Lendmark ) that the terms of contract have been changed by Lendmark to 25 days past due considered default. Our loan was initiated in XX/XX/XXXX and we have never received an amended terms of contract from Lendmark with this information. Each individual I have spoken to in my research have had multiple repossessions, some not even 30 days delinquent and often with payment arrangements made. After speaking with Lendmark Wednesday morning to make arrangements for payment today, XXXX ( their crooked branch manager ) went ahead and sent a send to to sale notice to the repo man. Only because the repo company is run by decent human beings, they called to question the notice since they knew we were coming to get the car today and refused to process the send to sale command or our car would have gone to the sale. There is no limit to what these people at Lendmark will do to fleece hard working families in the XXXX Georgia area. They know what they are doing is wrong and will respond with " if you ca n't make your payment how are you going to hire an attorney to fight this '' this comment was actually made to us today when I brought up many of the points above. Lendmark did not send us a letter of intent or any warning before repossessing the car. These unscrupulous practices are costing families XXXX in fees they should not be forced to pay.
I OBTAIN MY CREDIT REPORT FROM ALL  XXXX  CREDIT REPORT AGENCIES AFTER BEING DENIED CREDIT AND NOTICED SEVERAL INACCURATE AND INCORRECT ITEMS AND ACCOUNTS THAT DID NOT BELONG TO ME NOR DID I APPLY FOR. I HAVE DISPUTED THIS ITEM WITH THE CREDIT BUREAUS. I HAVE ALSO FILED A IDENTITY THEFT COMPLAINT WITH THE FT C ( FEDERAL TRADE COMMISSION ).   FTC REPORT NUMBER :  XXXX
I used '' TransUnion '' website to check credit report, they charged me {$21.00} without my permission or knowledge that a transaction would take place. 

Information of Incident : Date : XX/XX/2018 Time : ~XXXX~ XXXX  ( Not sure about exact time, but around XXXX XXXX ) Amount : {$21.00} Charge Info : XXXX XX/XX/XXXX TU *TRANSUNION XXXX CA I immediately looked up on XXXX if this is even allowed to happen, and found out TransUnion was a scam, and cancelled my account ( hopefully it is cancelled, there is no way to tell if it is ) on TransUnion around XXXX XXXX XXXX~ XXXX the same day, in fear of reoccurring payments without my authorization or consent.
Client Services Inc. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
pay pal randomly closed my account and withholding my funds. When asked they would not give any answer why account is not completely closed. I do not want my account and financial information to be available for everybody to see.
Southwest Credit sent me notification of a {$830.00} debt from XXXX. This came thru the USPS. They 've assigned an account # XXXX and their own reference # XXXX. They have " offered '' a discount if I pay within 45 days of {$540.00}. I am current with XXXX/XXXX and only owe my monthly charge of XXXX. They have my name backwards but my correct address. They threaten to report this to the credit bureaus and ruin my credit.
im getting collection calls for a XXXX XXXX from XXXX XXXX XXXX, when I advised them I have no contact with him and to remove my cell number she said no and hung up, I called them 3 times and she picked up and hung up. I then received 16 more calls from that number leaving automatic messages. XXXX picked up the phone, and said she will not remove my number. and called back 4 additional times the auto messages states to call XXXX XXXX XXXX ref # XXXX 3rd attempt, all messages are saying 3 rd attempt
I purchased  a used    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Motorcycle  from  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , GA.  XXXX  During the process I was asked if I wanted to purchase their extended warranty, at a cost of {$2000.00}. I said no. I had someone with me as well who also will attest I said no. I have a document from the company where it says I declined their warranty.   And yet I have a {$2000.00} addition to my loan without my consent. I called  XXXX  at  XXXX   XXXX  and complained about this, stating I had refused the warranty, after I questioned what the amount in " Taxable/Other Non Taxable " was. She said it was for taxes on the motorcycle and the warranty. I told her i refused the warranty, signed off on refusing the warranty and wont take the motorcycle under false pretenses. She simply said " Oh, sometimes they make you take a warranty.. to get the loan '' .. I said I was never TOLD I would be taking the warranty whether I wanted it or not. The documents SHOW i refused this warranty. I was suppose to hear back from  XXXX , she has declined to call me. I called several times, trying to reach her, left messages to the effect I refuse this loan agreement, this is tantamount to loan fraud, and demanded they remove this warranty from my paperwork. They also " padded '' their document fees and " Freight and prep '' fees to the tune of nearly {$900.00} on a USED motorcycle. THERE IS NO FREIGHT AND PREP. they didnt PUT anything together, they didnt even change the oil or air filter or spark plugs. there was no " PREP or FREIGHT '', the motorcycle was traded in. This is an outrageous extra charge to deliberately " Back door '' the buyer ( Me ), as they had a low FRONT end price on the bike, and had every intention of swindling the buyer on the backend.     At NO TIME did  XXXX  go LINE BY LINE and explain the " extraneous charges ''. I had been held up for  3.5  HOURS, was the end of the day, was after I got off work, and they simply used this against me in my signing off on what I thought was a simple loan. The Amount I financed I THOUGHT was the total WITH INTEREST ... I was charged an additional {$6200.00} ON TOP of the {$3500.00} I put down on a {$6800.00} MOTORCYCLE.     This is dealer deception and backroom swindling at its worst.     I told  XXXX  if they refused to take this charge OFF my account, then I wanted a full refund of every penny I put into this bike, some {$4700.00} so far, and they could come and TAKE THE MOTORCYCLE ...   I have yet to hear back..