WillisBack/dataset-financial-user-claim huggingface dataset:
Years ago when I was struggling to keep up with my student loan payments, Navient suggested putting all my loans into one. They did not explain in depth to me what this actually meant in the long run. I am a single mother that receives no support, so anything helped. Unfortunately, I did not understand what the consolidating my loans meant or the " fees & Interest '' involved which also was not explained to me. My father came down with a terminal illness, and I took on the role of supporting him until he passed. This in turn made it even more difficult for me to keep up with my loan payments. I tried reaching out to Navient today to try and discuss negotiating my payoff amount. I came into some money and was hoping to get some of my fees and interest reduced or forgiven from over the years. They did not give me any options to help me out what so ever. They do n't have any lump payment negotiating ability. I find this hard to believe, and do n't know where else to turn to for assistance.
The company apparently just got my file from their " client '' yesterday, however, they made up a lie and said that my boss 's cell phone and his " ex wife 's '' cell phone were both listed as being mine so they tried to reach them. They called them at XXXX XXXX and lied to me about contacting them. That is harassment. They called me 2 times, no messages left. I don't answer numbers that I don't know and I return calls that leave messages. They are harassing and the manager actually hung up the phone on me when I asked for his direct contact information in order to handle the harassment. I never gave them permission to contact anyone, therefore, they should not be contacting my boss on his personal cell phone at XXXX XXXX XXXX. My personal business is nobody else 's business, especially not my boss and his ex wife!! This is also a debt that is from XX/XX/2007 that is out of the statute of limitations and their contacting my boss and reveling that they are collecting a debt from me is a violation of the Fair Debt Collection Practices Act.
I was new to credit game and I got this credit card since I got here in US 2014, it was my first and oldest credit card. I was using it for 3 years with no problem and after I was injured with XXXX XXXX XXXX I was unable to work and behind payment for 30 days late and they sent me letter that they have closed my account and said I am still responsible to paying all debts in full amount. 
I dont mind paying full but after they closed my oldest card my credit score went down so bad its hurting my credit history too. 
Last week i even called to reopen but they say no way to reopen. But I can file request but it wont work the Representative said. Heart broken and hopeless situation.
I have visited XXXX XXXX ( on the last weekend to buy a new car from XXXX XXXX XXXX They had promised to charge interest rate@3.99 % on invoice price but the document mentions 3.99 % on all tax loaded price. And there was no agreement of down payment which is inserted in the final price financed as " Total Sale Price ''. 

I have completed loan application under financing through toyota finance but since it got late for the PDI inspection the delivery/ pick up is scheduled for Monday morning. 

Please advise us the options. Should we contest the anomaly in documentation? Are we under any legal bonding? Can we walk out on the agreement if we have not taken physical delivery of the car?
I do not owe this debt. I have rechecked my dates that I was covered by my parent 's policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parent 's policy in XXXX XXXX. 

On turning the age of XXXX, it became my XXXX policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 

All payments for health care services had been compensated for via insurance. I do not own any medical debts, I even had additional coverage in my employment package. Please note this to my prior entry I do not owe this debt. 

On turning the age of XXXX, it became my XXXX policy and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX.
I spoke with this company about my student loans. I want a receipt of my taxes they withheld. I had no idea I was in default as I was getting ready to go back to school. Never the less, this collection company, XXXX XXXX XXXX, will not send me the paperwork to start rehabilitating my loans. They want a copy of my tax return. I want everything in writing before I send out my personal information this this company. They told me that without a copy of my tax return, they won't help me. I find this to be a fraudulent action. Also, I am not overpaying for collection fees. This has been a huge mess. Please help.
I am writing to file a complaint against Hunter Warfield Collection Agency who has failed to investigate a fraudulent account before adding it to my credit reports. I have disputed this account at least 5 times with no changes. They have added an account to all ( 3 ) credit  bureaus and even after sending proof of police reports and identity theft via fax, email and certified mail, they have failed to remove them from my credit reports. This account it totaling over {$10000.00} in apartment damages. 

I have been a victim of identity theft since XXXX when someone used my identity to file a fraudulent income tax. I have also lost a wallet containing all of my personal information back in XXXX which seems to have resulted in the tax identity theft. Due to all of this, I have been forced to file bankruptcy twice the past 5 years due to items showing on my credit report. 

I am requesting that this agency investigate this matter and correct this as soon as possible as ASAP as this is hurting my ability to obtain employment and/or maintain a good credit history.
I have filed complaints with the XXXX and the credit reporting agencies in refrence to a data provider NATIONAL AUTO LENDERS. I requested to please provide physical proof so I can validate the account and the alleged alligations. National Auto Lenders States whats being reported is correct but has not to respond to my certified request to allow me to verify the account or send me anything inrefrence to this ccount to support their statement. Im only inforcing my credit rights per section 609, please understand im well within my rights to request and verify this information without being ignored or insulted for inforcing my rights. I have also made an attempt by phone and was advised that I will recieve a call back but unfortunitely again to my disappointment no one responded or call me back. I have attached the letter sent to National Auto lenders and reciept of successful delivary. 

*Please be advised, My request for deletion only supports the FCRA and laws thats inforced for inaccurate, incomplete, unverified and unproven statements and alligations.
On XX/XX/2018 I traveled to XXXX. I remained in XXXX until XX/XX/2018. My absence from the US is confirmed by flight reservations, boarding pass, entry/exit stamps into XXXX and an internet voucher for my return flight ( see Attachments A and B ). 
On XX/XX/XXXX, my personal savings account and business savings accounts were hacked into by XXXX XXXX, who proceeded to change the notification email and phone contact number. XXXX XXXX elected a specific time to hack into the bank account, knowing that I would be traveling across XXXX by train and that I would not have internet access. XXXX XXXX was specifically NOT authorized to access the bank accounts from which she illegally removed a total of {$23000.00} by transferring these sums into an a checking account that she could access ( see Attachment C ). 
On XX/XX/XXXX, when I became aware of the fraud I called Wells Fargo from XXXX and was told that a cashiers check had been used to illegally withdraw the funds and that they would not be able to stop cashing of the check. 
On my return to the US on XX/XX/XXXX, I started a fraud complaint. On XX/XX/2018 Wells Fargo responded that the transactions were made by me or by someone who had my authorization. ( See Attachment D ). I requested the evidence used to come to this conclusion. On XX/XX/2018 I received the response, which was a print out of the log ins to the account ( see Attachment E ). 
This print out has a number of red flags. There are account accesses from XXXX, TX, XXXX, GA, and from XXXX XXXX, CA that are clearly abnormal, given that I was out of the country during that time period. The strange Phone Transfer access on XXXX XX/XX/2018 shows data formatted differently and looks like it was hand-edited, calling that data and adjacent data provided into question. 
The account accesses on and after XXXX ( when the account credentials were changed ) show a consistency of access from only four Florida locations. This clearly supports the assertion that some of the data accesses from XXXX to at least XXXX are abnormal and consistent with unauthorized account access. 
The Wells Fargo decision is flawed. The withdrawal was done in Florida. I could not have made the withdrawal transaction as I was in XXXX. I did not authorize anyone to withdraw those sums from my bank account. 
Wells Fargo clearly made a series of egregious mistakes but refuses to address these problems. Can you help me pursue collection of the funds that were illegally removed from my account?
On XX/XX/2018, I submitted a complaint to your company and the status was closed. This portfolio Recovery has sent to me a form for identity theft, I havent filed any police reports due to my information being used years ago a freeze was put on my credit file bug that was only good for so long.
I was called by a debt collector on XX/XX/XXXX to collect a debt I didn't owe. 

They used a name I don't go by, XXXX XXXX XXXX XXXX, that my parents have used on occasion in the past for certain things, but is not a name I use ever, and not my legal name. They also claimed 'they didn't have my current address so past forms weren't received ', though I have lived there for 4 years and have used only that address since. 

They referenced a medical visit that occurred last year on XX/XX/XXXX to XX/XX/XXXX, that I had previously paid all bills in full on. I had received medical care under my legal name, XXXX XXXX, under my current address, and all related bills and other info had arrived addressed as such. 

I stated clearly I didn't owe the debt and when the caller was persistent I gave them my address and told them to send me the info in the mail along with proof they owned the debt. The caller stated 'owe we don't own the debt ', but was still persistent in wanting to send me the info anyways. 

Today, XX/XX/XXXX, I have received the info in the mail, from a 'UCSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ', again, with the wrong name, with random charges on it, and I was insured at the time so if those charges weren't fraudulent, some of them would be taken care of by my insurance, and without the proof that the debt is owed. That is why I'm filing this complaint. 

Attached is the fraudulent debt from USCB, and an actual debt from the medical service referenced that has since been paid in full. 

Best, XXXX XXXX.
Equifax shows public records that I had Federal and Hawaii tax liens fied on XX/XX/XXXX These liens were the result of my incorrectly filing returns ( missing information ). The state lien was filed automatically becuse of the Federal lien. After contacting the IRS and filing an ammended return from XXXX, it was determined that no tax or penalty was due and the " bottom line '' on XXXX returns was correct - {$0.00} tax and/or penalties due. The IRS released their lien on XX/XX/XXXX. I was in contact with the XXXX tax office ( from XXXX ) and sent a check to cover the expense of releasing the lien. After talking to them today, I discovered they had sent me some additional information by mail ( not to my residence ) that I never received. The result was that the Hawaii Tax lien was n't released until XX/XX/XXXX. 

After being denied credit because of " derogatory information '' in public records, I obtained this information in XX/XX/XXXX. However, this derogatory information - tax liens - were for taxes that were never owed, and still remain on my credit reports. The tax agency says it only releases the liens after being paid a recording fee, etc. and I never responded to the mail that I never received. So, I am paying more for credit because of the liens that never should have been filed, and there is no way to remove them from my credit report. I believe these liens should be removed from my credit report because I never owed any debts, additional taxes or penalties. But the credit agencies keep this derogatory information on my record for XXXX years. I request that these leins be immediately removed because, they are there to alert credit providers of records of not paying owed debts. There were never any late payments made or due. There are no other derogatory items in my credit report, so it is not fair to continue to penalize me until XX/XX/XXXX for a lien that should have been removed and not only " released. ''
I have XXXX credit cards with Capital One. I had some financial difficulties and got a couple of months behind on all XXXX cards. 
I called Capital One to make arrangements on XXXX of the cards to pay {$60.00} over XXXX months to get caught up and gave them my bank account info to take the money out automatically. 
XXXX the other XXXX cards, I was able to pay them off in full. I called in to Capital One and made the payments over the phone. 
A few days later, I went online to check that the accounts reflected the new balance and found that each XXXX had a note that say the accounts had been suspended. 
I called in to Capital One to ask what this meant and they said that I could no longer use the accounts but they would remain open and I would still get a yearly charge for them but I could not use them again. 
They did not inform me when they took my money, nearly {$1000.00}, that I would not be able to use the cards anymore. 
Also, when I checked my credit, they reported me for being 120 days late which I was not, and never updated my balances to zero. They are still reporting the old balances.
I first obtained this credit card in approximately XXXX, as a XXXX XXXX branded credit card. I do not recall the bank who serviced the card at that time. I obtained the card because it was marketed as a FIXED RATE 9.99 % card. The marketing promised that this rate would not change. And for the last thirteen years it has not. Other than occasional 0 % balance transfer promotions, I have been paying 9.99 % APR since the inception of the card. On my XXXX bill, I noticed that the rate has been raised to 10.24 %, for no apparent reason. When I inquired about this, I was told that the federal funds rate increased on XXXX XXXX, XXXX, and so, in turn, did my rate. But this makes no sense. At the time I obtained the card, the fed funds rate was XXXX higher than it is now. So, why then over the last eight years when the fed funds rate was XXXX have I not been paying less? The card was specifically marketed as having a fixed rate for the life of the card. When I pressed the issue the agent said she could not help me and directed me to call " retention services, '' which is, as I understand it, their sales unit. Why on earth would I buy a new product ( and allow a new hard inquiry on my report ) from a company that is behaving in such an underhanded way?
Thank you, I have been trying to get my credit report fixed with incorrect information for 6 months now. I 've received a letter from XXXX XXXX on XX/XX/XXXX stating that they made an error in reporting our mortgage account was delinquent. The loan was converted during the HAMP in XXXX and was not suppose to be delinquent. I have contacted XXXX XXXX multiple times in which they contacted the credit bureaus to fix these errors. Since Transunion did n't update my information correctly, I opened a dispute. My credit report is still wrong. It says my payment is 120 days late. Problems are listed below : - Account is closed - So no payment is due - Loan was rolled over to HAMP - Old loan is closed so no payment due - Received 2 letters from the bank to fix these mistakes. 

I contacted Transunion onXX/XX/XXXX. I told him how can the account be " 120 late ''? A paid in full account is late? A closed account is late? This is clearly referenced in the account credit report information ( closed & new loan ) but they will not update. I 'm paying a new mortgage, again this is clearly documented in my credit report. All of these issues have ruined our credit for the last 2 years. This is the only thing delinquent, so each should be easy to find and fix. Also, I have a membership through Transunion. So I am getting charged to monitor their mistakes? 

I 'm attaching my supporting documentation. Please assist.
There are things on my report that are not correct. Balance s that are incorrect. Things that are XXXX years old that should have dropped off.
I received nothing in writing for this debt whatsoever or even knew they were going to damage my credit. On top of that ive had this debt removed from my credit report 3 or more times and they keep popping back up under a different collection agency which is illegal. Once i win a dispute its supposed to never pop up on my credit again
We were in Forbearance until I obtained a job making $ XXXX/hour Wells Fargo has consistently denied us th opportunity to return to regular payments they have placed the house into foreclosure and have made demands for {$26000.00} to return the payments. We believe that the bank 's staff has done this in the last two weeks following us filing a previous complaint with you guys. We received a call today, stating the {$6400.00} I make a month is not adequate salary for us to return to the $ XXXX/month mortgage. 
I tried to apply for a {$26000.00} loan to catch up the house, only to find out WELLS FARGO has been reporting late payments on my credit report since we 're on forbearance - so we are stuck in a large hole with no assistance from the bank. They wo n't return any of our calls. 

We believe that the decision was based more on the fact that there was a complaint filed, then our ability to resume payment regularly
I recently just got my first auto loan from my lender Santander and when trying to make a payment I noticed that there is a convenience fee of XXXX using either my bank account or a credit/debit card. It seems the only way I can avoid such a fee is by mailing a payment in or setting up automatic bill pay which I am not able to do because of my payment schedule. I also live in the state of Florida in which I believe such fees are illegal as per statue XXXX
Equifax has confirmed my personal and private information has been improperly protected and is now part of an entire batch of data stolen from Equifax through " hackers ''. I have already placed a fraud alert on my credit file to catch any attempts to use my data in the next 90 days. However, the information which was stolen will be with me for the rest of my life, and I now must continually freeze my credit or keep on high alert to protect the most private data that actually makes me a " person ''.
Previous filed complaint # XXXX. Company responded to inquiry but when cause of problem was discovered to be different than complaint, company was not required to do anything other than what was submitted on complaint. therefore filing new complaint in attempt to resolve situation. 

My previous mortgage company was XXXX XXXX. I made a scheduled payment to XXXX on XXXX 2014 ( exhibit XXXX ). 

In XXXX of 2014 Nationstar purchased my loan. Nationstar said they did not show a payment being received for XXXX. Nationstar also reported that XXXX ( previous Lender ) had applied a charge of {$390.00}. 
Nationstar supplied requested financial history from XXXX that showed {$500.00} payment being received and did not show a {$390.00} fee. ( Exhibit B ) Nationstar then reported that only a partial payment had been received. ( Exhibit XXXX ) Nationstars requested financial history shows no partial payment, but does show the {$390.00} previous lender charge as well as multiple charges for inspections and late fee. ( Exhibit D ) I have contacted every representative they have sent me contact info for since XXXX of 2014 and have left approx XXXX voice mails for these representatives and have only been contacted XXXX ( XXXX ) time. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
( Exhibit E-H ) Nationstar continues to place flyers on my door imploring them to contact them and threatening foreclosure, but then refuses to return my calls. ( Exhibit I ) I had a contract with XXXX XXXX to pay back taxes from XXXX to XXXX of 2014. This put my payment amount at {$500.00}. I paid this amount in full. ( Exhibit J ) My current payment is now {$240.00}. I have been paying these amounts correctly and timely against the recommendations of Nationstar representatives when I call in to pay. 

I have made every payment I am required to make to both XXXX and Nationstar on time. On XXXX separate occasions Nationstar refused to take my payment because it was not the amount that they said was due. I am and have been paid up to date on all of my contractual obligations and yet Nationstar continues to try to force me to pay inspection fees and late fees as well as an mystery {$390.00} fee that they can not explain. Nationstar is trying to foreclose on my home because it has equity. Their claimed late payments has damaged my credit. 
I am requesting and imploring for some type of assistance against this criminal activity.
My student loan with AES/National Collegiate trust was closed as derogotory and collection account was opened with XXXX, XXXX, XXXX for the same debt. The debt has since been settled in full but I am being XXXX-dinged for the same debt by XXXX parties. IF the debt was sold by NCT then they should have now right to the debt and the closed account should not be reported because the new account with the collector is valid as they would hold the rights to collect. If NCT owns the debt and Hired XXXX to collect then XXXX should remove their collection account from my report as they dont have rights to the debt only NCT does. XXXX-dinging a persons credit report is unethical and a gross misstatement of defaults on my credit history.
On XX/XX/XXXX I submitted disputes to Transunion with my identifiers for items on my credit report. I have not received responses. Around XX/XX/XXXX a submitted a complaint through this system for the same issue, XX/XX/XXXX Transunion claimed they would resend results from XX/XX/XXXX to me. I have yet to receive the response. A year later they are beyond violating the FCRA, this is malicious ...
BYl collection services did not provide adequate verification fpor debt question. No documents were provided showing a contract or signature
d & a services are trying to collect amount that is in ch XXXX XXXX original credit lowes this is 4 time differ collection service.
EQUIFAX IS REPORTING A TEN YEAR OLD DISMISSED CH.XXXX BANKRUPTCY ON MY CREDIT REPORT AND REFUSING TO DELETE IT. THEY ARE RESPONSIBLE FOR XXXX COMPLAINTS AND SOME LAWSUITS. I FILED A XXXX COMPLAINT ON THEM CONCERNING THIS MATTER AND FOUND OUT THEY HAVE XXXX COMPLAINTS AGAINST THEM. I WOULD LIKE YOU TO INVESTIGATE EQUIFAX AND ALSO A XXXX COMPLAINT THAT WAS MADE AGAINST THEM ON XX/XX/2015 BY ANOTHER CONSUMER. THIS CONSUMER FILED A VERY COMPARABLE COMPLAINT TO THE COMPLAINT I MADE AGAINST THEM AND EQUIFAX DELETED IT OFF OF THERE CREDIT REPORT WITHOUT ANY PROBLEMS .SO IT LOOKS LIKE EQUIFAX HAS ITS PICKS AND CHOOSES WHO CREDIT IT RUINS FOR YEARS AND WHY THEY ARE ALLOWED TO RUIN PEOPLES CREDIT FOR YEARS. PLEASE LOOK INTO EQUIFAX AND THE XXXX COMPLAINT DATED XX/XX/2015. I AM REQUESTING FOR EQUIFAX TO DELETE THE DISMISSED CH. XXXX BANKRUPTCY AND TO SEND ME A UPDATED CREDIT REPORT AS SOON AS POSSIBLE. THE FAIR CREDIT REPORT ACT MENTIONS NOTHING IN SECTION 1681 C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILINGS. THEY HAVE NO RIGHT TO MAINTAIN INFORMATION WHICH THE GOVERNMENT HAS DEEMED NONEXISTENT. PLEASE INVESTIGATE THIS COMPANY. THANK YOU.