WillisBack/dataset-financial-user-claim huggingface dataset:
I have been out of work on XXXX for a year and I have managed to get all my payments caught up until XXXX when Hurricane XXXX Came and I was without power and displaced 3 1/2 weeks.My XXXX bill was due on XXXX XXXX. 
I reached out to Southeast Toyota Finance on XXXX XXXX, XXXX asking for an extension for XXXX and was informed that they were no longer giving free extensions for hurricane victims as of XXXX XXXX. 

I informed the customer service rep that I receive a XXXX check on the XXXX of each month and I would not be able to pay the extension payment until XXXX XXXX. Even after informing SETF of my current situation ; I harassed with collection calls everyday until XXXX XXXX, XXXX ; On XXXX XXXX, I asked the rude customer service associate if I could to speak to a Manager regarding the written ceases and desist that is associated with my account. I I was told by the manager that I did not have a request on record. Exasperated I stated to the manager once again my intentions of obtaining an extension on my account once I received my XXXX check the next day. 
When I attempted to request the extension online, I received an error message and was instructed to call customer service. I called customer service on XXXX XXXX, XXXX @ XXXX XXXX and was told that, now since my XXXX bill has become due I am unable to get an extension for XXXX!!! XXXX must be paid in FULL they were willing to give me an extension on XXXX bill which is only 3 days past due. 

I am a XXXX veteran and I have been with Southeast Toyota almost 6 years and they are terrible to their customers. Sometimes life happen and bad things happen to good people ; the customer service reps make you feel horrible, they make you want to give up throw in the towel and the VEHICLE and not pay them another blood and tear stained dime. 
I am sick of the Harassing phone calls all day and if I speak to them today they will still call me right back the next or every two days regardless of what you thought you had resolved on previous conversation with the previous associate. 

They create barriers for customers to pay off loans I asked for documentation of my past extensions and agreements because you are unable to obtain information online and they send nothing in writing by mail verifying the transactions and agreements, my payoff amount has not changed in a year after almost 6 years there should be a much higher amount applied to my principle and there is no one to discuss your account with because the harassing callers do n't have access to your account or payment history they are just collectors.
Last week, I filed a complaint against Portfolio Recovery because they reported a collection account on my credit report for {$1800.00}. Prior to this account showing up on my report, I did not receive a notice of my right to dispute. I have no idea what this is, and I am very frustrated that I wasn't even given a chance to answer for this supposed debt prior to it appearing on my credit report. Portfolio Recovery responded to my initial complaint and said they could not investigate it unless I supplied them with additional information. I do not understand how I am supposed to supply them with additional information about the account if I don't know what it is either.
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
An unauthorized charge was made on my debit card using the PIN on  XXXX   XXXX . The same day, I disputed the charge, filed a police report and filed a report with the security at the location of the ATM. The bank closed the dispute claiming that because my PIN was used there was no evidence of fraud and the claim could not proceed. This is a direct violation of   XXXX   XXXX   XXXX  It is not my reponsability to make guesses as to how the culprit got my PIN, nor is it my responsibility to tell the police what to write into reports. Most importantly, because I reported the violation within  XXXX  hours, my liability remains at a maximum of {$50.00}  XXXX  pin or no pin ) and under the banks own "  XXXX  liability '' policy, I should receive full reimbursement of {$400.00}.
ON XXXX XXXX EQUIFAX UPDATED MY REPORT WITH THE INCORRECT INFORMATION THAT WAS SENT TO THEM FROM Consumer finance Protection Bureau in reference to my account with XXXX XXXX XXXX. 
The account was opened on XXXX XXXX, 2014 with XXXX XXXX XXXX and the contract was provided. Equifax ignored the contract that was provided to them stating that the contract was opened on XXXX XXXX 2014. They stated to Equifax that the contract was opened on XXXX XXXX 2014 which is incorrect. The account was then closed with XXXX XXXX XXXX in XXXX XXXX, 2014 and refinanced by XXXX XXXX XXXX XXXX they Sent XXXX a check for XXXX which the check that was cashed by XXXX XXXX XXXX A copy of the check was attached. Also XXXX failed to let them know they cashed the for XXXX A check for that was also provided. XXXX has continued to provide incorrect information several times stating that they did not cash a check for this vehicle in that amount which is totally incorrect the checks were cashed at their bank in Texas. Equifax is the only credit bureau that is giving me problems XXXX has updated my report and found out that my information was correct from the documentation received by me with the actual contract and fixed my report in good standing for this account. This is my third time disputing this with Equifax and they are stating that I am not providing the documentation which is incorrect I will attach a copy of the contract and the checks that were cashed again. By Equifax not correcting this information they are impacting my credit report and every credit report is suppose to match.
I have tried 4 separate times to make good on judgement. Continue to get false and misleading information. Have asked for multiple managers and follow up by other reps or mgrs to no avail. My account and money is being locked up over 2x because of bank hold and wages are being held x2. No money has been taken even though repeated attempts and phone calls to resolve in full. Every time I am treated poorly with no solutions for help.
XXXX XXXX has {$14000.00} that is sitting in a lockbox that has not been credit to my account. This money is currently being charged interest and showing up with a high debt ratio on my account. This account is under investigation and is with the office of the president. The company has already agreed that they will credit that they will credit my account all finance charges and therefore I have requested that they please put this charge into a contested amount and should be credited temporarily until the company fixes their internal problems. This problem has been ongoing for over several months and therefore am requesting assistance to get this corrected as my credit score is just one more problem that is hurting me while this long process is not corrected.
There is an account on my credit report from GC Services with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.
XXXX charged me XXXX for services I never received The collection was initiated by XXXX and was closed and then a year later was reinitiated by Diversified Consultants I have sent registered letters to Credit Bureau 's and have been removed Now its back again I really need help on this I have a great credit record and never owed anyone for a collection
I disputed fraudulent information on my credit report beginning XX/XX/XXXX. I have provided 2 police reports and numerous other information but still they are leaving on my report fraudulent accounts with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have even provided an internal fraud report number for XXXX  after visiting a local office. I was not even in the country when this happened. I was XXXX XXXX military. Equifax has done nothing but tell me that I have to provide more information. I am about to lose my home which will make my family homeless. I faxed Equifax a police report on XX/XX/XXXX and they stated they required a different format which I faxed them on XX/XX/XXXX. I have fax confirmations. This is after several letters dating back to XX/XX/XXXX. Spoke to XXXX at Equifax. 

I did send the same to XXXX and they have removed it from my credit report while it is being investigated. They should have been done with their investigation as I started this in XX/XX/XXXX. Spoke to XXXX at XXXX. I have a copy of the return receipt for XXXX. 

XXXX  has removed it and has been good to work with. 

Equifax has been very difficult on every level.
Albuquerque Collections, XXXX, NM XXXX, ( XXXX ) XXXX reported a collection for less than {$20.00} on my credit report in XX/XX/XXXX. The collection was supposedly a balance from a previous collection filed in XXXX that was paid in full before it was ever reported to a credit reporting agency. I never received another communication by mail, email or phone from Albuquerque Collections or the Medical Company associated with it that there was an alleged balance due for less than {$20.00}. That is, not until I checked my credit report in XX/XX/XXXX. I have had a few real estate transactions close since XXXX and not once did this collection appear on my credit reports. It is unfair practice not to properly inform a consumer before reporting to credit agencies. I did not have enough information or time to properly verify the amount they wanted to collect from me. I paid it off over the phone with them because I was told that it would be removed from my credit report. This was most important to me as I was in the middle of another real estate transaction. Now three months later, it is still being reported as a derogatory record that will stay on my report until XXXX! This has caused a XXXX points or more drop on my credit score for their errors. I find it unfair and unacceptable that me, the consumer should be penalized on my credit score for the next three years for their unprofessional conduct and errors.
I authorized approximately {$160000.00} in charges using my chase XXXX credit card. The company billed for additional {$34000.00} with neither my permission or authorization at a late date. I reported this fraudulent charge to the Bank.
During my last recertification of IBR, ACS reported my gross income as {$XXXX} using my paystubs. They said they based it on a 12-month work period. The only problem with this is that I am a XXXX and XXXX only work from XX/XX/XXXX to XX/XX/XXXX in our XXXX. My income should have been based on around XXXX instructional days. Also, XXXX do not earn on XXXX break, XXXX break, XXXX break and holidays in between, including training days for XXXX. 

As a XXXX, sometimes I get to work as a XXXX. I may earn the first year XXXX rate working as a XXXX, but nowhere near XXXX as ACS claims I earned. My concern with this unearned amount reported by ACS is that it may influence the standard repayment plan to a higher amount. ACS claims that they ca n't go back now because it is too late. I requested them to put the amount back into the loan, but they wo n't do it. This amount is now past due even though I am under IBR and recertified with them. While I tried recertifying, I had paid a previous standard repayment due to my late recertification. ACS denied my IBR forms claiming I did not select the correct check mark. I feel ACS failed to help me 3 times within 45 days to help me correct the issue by delaying the acceptance in order for my account to get hit with another standard repayment plan due to lateness and collect a little more from me. I want the Bureau to investigate this further to find the discrepancies that appear in my account.
This is/was a ParentPlus student loan for my daughter, apparently in my name, from approx. 2012 & financed through XXXX XXXX. My daughter ended up on academic probation for XXXX semesters, during which we paid interest on the loan. ( I believe this must 've triggered some automated 'loan is in repayment ' mode. ) When she was reinstated, all loans went back into deferment. Allied Interstate called me about this loan once approx. 2 years ago, and I explained the probation/deferment situation. I understood this to be the end of the problem. I heard no more until XXXX of this year, when I got a notice from my employer about garnishment! It 'd been sent to default erroneously, a month before my daughter even graduated! I contacted Allied, & was given different numbers, amounts, and instructions each time- but no one could tell me any of the specifics of the original loan so that I could provide proof of deferment. I finally got it escalated to a manager who was able to tell me the amount of the original loan. Through a great deal of research, my kid was able to find the detailed evidence we needed on her student portal. I faxed this proof in as instructed, 2 1/2 months ago. Despite my sending proof and several follow-up requests, I 've yet to hear back or see my paycheck restored. When I call, they tell me to call the Dept. of Ed. ( When I call DoE, they say talk to Allied! ) Meanwhile, I 'm left without the funds to cover my XXXX, as they are taking out {$600.00} every month. Loan Ref. # XXXX
Navient has been my loan servicer by transfer from original lender ( XXXX XXXX ), since mid XX/XX/XXXX. 

I have been working at XXXX XXXX since XX/XX/XXXX. I am currently a tenured XXXX at XXXX XXXX XXXX, XXXX XXXX. 

In XX/XX/XXXX, I called Navient after hearing about Public Service Loan Forgiveness Programs ( PSLF ). After hearing my request as a XXXX XXXX, they placed me in a income-based repayment plan which would qualify me for PSLF. They said it would take ten years ( 120 payments ) to  qualify for forgiveness. They informed me I would need to recertify my income every year to continue to gain credit towards the ten years, but gave me no further instructions or steps to take. 

My repayment plan started in XX/XX/XXXX. Every XX/XX/XXXX since then, as directed, I have called Navient to recertify my income and have asked them every time if this was going towards the PSLF. Since loan forgiveness for a XXXX XXXX was my reason for calling them in XX/XX/XXXX, I made sure with every phone call that I was on track. Every time I was explicitly informed that I was. 

In XX/XX/XXXX, after reading about fraud with lenders and this program, I wanted to make sure I was not being defrauded. I called Navient to ensure that I was still on track for PSLF, and for the first time informed I was not. This came as a complete surprise and devastation, since this was my original intent since XX/XX/XXXX to be a part of PSLF. 

They stated that I would need to have a Direct Loan, and that my loan type was not eligible. In XX/XX/XXXX, unlike what they were telling me, Navient never put me on track ( in this case inform me about a Direct Loan, ) towards PSLF. I have consistently been told by Navient that I was on the right track towards loan forgiveness ; however, five years into my loan, upon my pressing, was I informed I was not qualified because I had the wrong type of loan. 

I have talked to multiple people at Navient and the only recourse I have is to change my loan type, starting the clock back at XXXX ( versus the five years I thought I have paid towards PSLF ). 

Navient and their representatives have informed me that there is nothing they can do to give me credit for the five years I thought I was paying towards PSLF. Since this was information they have given me, I would like recourse wherein the last five years payment is credited towards PSLF in a qualified loan type.
I am attempting to remove a security freeze from my consumer account. I have my pin in hand however the XXXX systems do not accept my basic information and no other means to resolve the issues are apparent. I have contacted the company and was given a bogus number for the 'freeze department '. I have submitted a letter as well.
Disputed Inquiries with all three credit reporting agencies. Called XXXX XXXX  over 60 days ago they recognized as fraud through XXXX and sent Inquiry removal letter to myself and XXXX   XXXX, and Exquifax. I sent letter from XXXX to all three credit reporting agencies to have removed. Equifax only one Refusing to  remove after receiving letter from XXXX and myself. 

1. XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
2. XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX National Credit Card Cos. 
3. XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
4. XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks 5.XXXX  XXXX  XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.
I am in foreclosure mediation with Flagstar Bank. I am requesting and have been in the process of applying for a loan modification. I have become concerned with discrepancies in the verbal and written information I have been given, as well as numerous other problems. This led me to research Flagstar. In doing such, I became aware that they are under a consent agreement with you. The violations they are under consent agreement for mirror the problems/behaviors that they are engaging in with my case/file, IE closing out the file inappropriately, not communicating requests in a timely manner, unwarranted delays in processing, etc. I have proof of all of the above and more. I am fearful that Flagstar bank, which is headquartered in Michigan, is going to issue an unwarranted denial of my loan modification. Oddly enough, the underwriter I spoke to there told me, on a recorded line that his job " XXXX '' and he has too many files. This overloading is one such item of MANY that Flagstar was ordered in the consent to correct. My home is very important to me and I do not want to be issued a denial because of these internal issues. My spouse and I have the income to sustain our home and we will pursue all avenues available to do so.
On XX/XX/2018 I requested all three major credit reports through XXXX. I received immediately my report from XXXX  and XXXX and was able to easily dispute and have corrected erroneous information I found on my report. However, as of this date, I have not been able to get a report from Equifax. 1. The security questions that were asked to identify me were not accurate therefore, I was forced to answer all 4 questions as false. Then I called Equifax on the XX/XX/XXXX and was able to prove that I was in fact, XXXX XXXX. I was promised that my report would be mailed. I did not receive it. I called them on the XX/XX/XXXX asking again that they mail a report. I even tried to pay for a report online but 4 more security questions were asked of me that did not apply to me. I was refused the report. I am deeply concerned that the information they are currently reporting is not accurate based on the 8 security questions that they have asked. I am reluctant to mail additional identifying information through the mail because of the many times mail has been lost and delivered to the wrong address. Any help you can give to me to obtain my Equifax report will be greatly appreciated.
On XX/XX/XXXX, two letters were sent to transunion. This is part of the letter sent by XXXX XXXX, requesting a correction because her credit file does not show up under her social - it shows up under her daughters social. Additionally, her daughter ( XXXX XXXX ) sent a letter requesting to have her mothers items removed from her credit report. As of today, XX/XX/XXXX, Transunion removed SOME of the accounts from XXXX 's credit report but not all. XXXX 's credit report also still has all of XXXX 's information on it, stating the wrong names, addresses and the wrong date of birth. As of this time, nothing exists under XXXX 's social so that problem has not been rectified despite multiple calls and two clear requests sent in writing. 

XXXX XXXX MISSING FILE NUMBER XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information on my TransUnion consumer report for these reasons : o My entire credit report is missing. 
o All of my credit items are listed under a different social/name.

o My social security number is NOT in Transunions system.

o All my credit inquires are being posted on a file that does NOT belong to me.
I was an authorized user on a capital one credit card for my husband, I called capital one and asked to be removed as an authorized user and they agreed to do so back in XX/2017 it was never done. I then called again when I still saw the account on my credit report in XX/2017 and was told by agent that she was removing me that I was never removed as an authorized user on the account and that she was going to put in a credit bureau dispute to have the trade line removed from my credit report since it was preventing me from purchasing a home. I called today after filing a dispute with XXXX the only bear au that it is still reporting on and was told that there was nothing that they could do and admitted that it was reporting incorrectly since I had been removed.
I took my husband to get a loan. I ended up cosigning and now that it could not be paid off my credit is suffering.
I tried to enroll in XXXX in XXXX. My Family paid for my fees by check. Later on I got a bill from Pathfinder Credit. We checked with the bank and sent a copy of the check we had paid with to XXXXXXXXXXXX. I asked to please stop all attempts to collect and remove it from my credit report since it was never owed. That was almost a year ago and its still on my credit report
I, as far as I can tell, was a part of the Equifax credit information hack. Now, due to mishandling of my information by the credit reporting agencies, I must pay the credit reporting agencies to freeze my credit. This has many issues : First, due to current demand it is difficult/impossible to get through to be able to do this. Second, it is unconscionable that some of these companies are taking advantage of the situation and attempting to trick users into signing up for paid credit protection services when the user attempts to freeze their credit. Finally, it is ridiculous that I must pay these companies to protect my information that I never consented to them collecting in the first place. Paying Equifax to freeze my credit is simply rewarding them for their careless handling of my information. Protections such as credit freeze should be federally free to perform, otherwise it seems to amount to racketeering ( " That 's sure a nice identity you got there ... sure would be a shame if something happened to it. '' )