WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, file for bankruptcy. Lawyer said that since bankruptcy all student loans would be deferred. I heard nothing the first year. Thought all was ok. Year 2, I started getting phone calls from navient, since they had received my loans, they were no longer deferred. I explained the situation. They said " sorry '' then again told me they were deferred. Years 3 and 4, exact same thing. Bankruptcyou ended XX/XX/XXXX. Navient took {$2400.00} out of my tax refund for unpaid student loans. I called my lawyer and navient. Got the run around. 1. If my loans were differed I should never have had this amount withheld. 2. It is showing negative on my credit report since XX/XX/XXXX. 3.navient now says that since I was behind they never could defer my payment. I still do not understand how it was behind, I was in bankruptcy and it was supposed to be deferred. I explained to navient. They said that this was after bankruptcy when the loan went through. I talked to navient XX/XX/XXXX and they said I was deferred until XX/XX/XXXX.
In 2006 my wife and I took out a first lien heloc loan with XXXX XXXX and XXXX to pay off credit card debt. One of the 3 cards to be paid XXXX now claims not to have been paid. 9 years later a debt collector messerli and kramer is trying to collect on this debt which started out at {$9000.00} and has grown to {$24000.00} with a default judgment that should be vacated because it is part of a secure loan I have been paying XXXX for the last 10 years. A mn attorney general 's office rep from the consumer services division, XXXX XXXX, has asked XXXX XXXX and messerli and kramer to honor the hud1a statement which they have been sent a copy of that clearly states they have been paid. Please help quickly as we can not afford to pay a {$500.00} a month mortgage payment, a {$500.00} a month loan payment, and having my check garnished 25 % a week totaling over a {$1000.00} a month. XXXX seems to have no interest in helping resolve the issue as we have made several attempts to contact them with no reply.
I took out Federal and Private student loans for my college education. XX/XX/XXXX and again XX/XX/XXXX, I suffered a XXXX that forced me out of work and I had to halt payments on my student loans. I have yet to fully recover financially from the impact of those incidents, but XX/XX/XXXX, I began repayment of my loans through XXXX. 

I made verbal payment arrangements with them, and I began to send in my monthly payments via my online banking bill payment service as they provided physical checks to the lender for payment. For over 5 months straight, my payments were deducted out of my account and cleared ( I have scanned images of those checks having cleared and been stamped for deposit by XXXX ), but after 5 months I received a notice of default from them, stating I had not made any payments. 

Once I received this notice, I printed off the images of the cleared checks and contacted XXXX, and they indicated that they could not service or answer my inquiry as it was in default and sent to another loan servicer. I have since paid off those smaller accounts, but they are still showing up on my credit report as " closed-missed payments '' and prohibiting my ability to secure credit despite my excellent credit score. 

I am beyond furious as I feel helpless and without recourse after having paid as agreed, only to have them not ever post a payment to my accounts ( Where did my money go? ), but adding insult to injury, now I can not secure credit for something that happened 5 years ago.
I am receiving numerous harassing calls from CashNetUSA for a loan that I did n't apply for. I have never applied for a loan with this company, I believe that someone has used my social security number and stolen my identity for this loan.
I was told I could receive a copy of my credit report from a Experian XXXX after a company used them for my decision. I mailed Experian XXXX exactly per address given and it was returned " Return to Sender '' Unable to Forward '' Then I tried the XXXXXXXXXXXX they also gave me and it says no such web address. See attached for letters and return envelope etc Thanks
CRA is in violation of FCRA, FDCPA and Metro 2 Compliance.
I called Experian and asked if they had received my letter regarding unknown items that did n't belong to me at first the representative said no we can not find your file and and we did n't receive anything and that I need to send them a copy of my drivers license and utility bill with social security card. I sent them this information over a month ago and they still never sent any correspondence that they had received it but I am aware that they did because it was sent certified mail and it was tracked when they signed for it. After I told the representative this he transferred me to another person named XXXX from the XXXX team and XXXX would n't give me his last name or supervisors name and he told me that there was no file number for my report. I asked him for the file number so that they wo n't have any issues finding my file if I need to contact them again but he said there was n't XXXX but how can that be if he found my credit report and told me it 's being reviewed. I asked XXXX from the Alpha team to send me a copy of my report because I believe there are items on it that do n't belong to me because of identity theft and at first he said he could n't because it 's under investigation and then I told him I read according to the Fair Credit Reporting Act you must send the consumer a copy of their credit report anytime they have become a victim of identity theft then he said he will send it within XXXX10 business days. If I 'm not mistaken the FCRA says that a credit bureau must respond with 5 days after they have been notified of the identity theft fraud on a consumers credit report they have failed to do so. I am well within my legal parameters to file a civil suit against Experian and name XXXX from the XXXX team in it also. We spoke on XXXX at XXXX The items on my report that are n't mine and came from a direct result of identity theft need to be deleted from Experian. Here they are below. 
XXXX XXXX XXXX,
My home which has an FHA mortgage is currently without property insurance. My insurance company ( XXXX ) is charging excessive fees to reinstate a policy that should n't have been canceled and my mortgage company ( Cross Country Mortgage ) delayed paying my premium so it could get kick backs for having to force place insurance. 
I have an escrowed, FHA loan through Cross Country Mortgage. My hazard insurance carrier is XXXX. We closed on our loan in XXXX, 2015 at which time the annual insurance premium was paid. I received a call on XXXX XXXX from XXXX indicating they have not received payment on the renewal for the hazard policy, which would cancel on XXXX XXXX. I called XXXX XXXX a few days later and they indicated it was n't mailed yet. On XXXX XXXX, after checking Cross Country 's and XXXX 's websites and seeing the payment was n't received, I called both parties again and initiated a conference call. It was discovered that XXXX sent the bill to an incorrect address for Cross Country. The overnight address was provided to Cross Country over the phone and Cross Country 's fax number was provided to XXXX to expedite payment. On XX/XX/XXXX, Cross Country received the bill from XXXX but instead of sending it overnight, put the Check No. XXXX in the regular U.S. mail. I followed up with both parties on XX/XX/XXXX and was advised that the check was sent regular mail on XXXX. I spoke with a Cross Country supervisor, XXXX, on XX/XX/XXXX who gave me the check number and promised to fax me a letter that afternoon that I could forward to XXXX to show that payment was made but not yet received. To date, I have received no such letter. My policy was canceled as of this morning ( XX/XX/XXXX ) and there is now a {$50.00} fee should I choose to reinstate the policy. Representatives from both sides indicate there is nothing they can do and to call the other party. A representative from XXXX ( XXXX # XXXX ) refused to waive the fee after I explained the circumstances because it is a " vaid fee '' which " I agreed to when I signed up for insurance with XXXX. ''
My mortgage payment check was deposited into a XXXX XXXX account instead of nationstar. JP Morgan Chase has released my money to someone other than it was intended for. I filed an affidavit with Chase on XXXX XXXX, 2016 and am still waiting for my {$1800.00}. Chase stole my money. I want it back with interest.
On XX/XX/2018 I sent Portfolio Recovery Associates, XXXX ( et al ), XXXX XXXX XXXX XXXX, VA XXXX a letter that they cease and desist in contacting me via phone - I sent this via registered mail, and have received the reply from the post office that it has been received. Today at XXXX XXXX on XX/XX/18 they contacted me on my Cell Phone about a dept. They called me from this same number at XXXX XXXX, XX/XX/18 as well. Both of these calls were made by them after they acknowledged receipt of my demand they cease contacting me.
Said TRS Recovery evidently declined my personal check at XXXX under an assertion that I have an outstanding unpaid debt. I have no returned checks to XXXX or elsewhere. When calling XXXX as directed by XXXX to obtain full disclosure of the purported debt under my information, I receive only a reference number of XXXX. I follow the prompts to speak with a rep, and each time I 've called I hold for more than 45 minutes before being disconnected without ever reaching a rep. Their prompts suggest that I can write to inquire about the debt but the information they require to release full disclosure is something that must be verified through an agent ... So it 's essentially a catch 22. I know by law that they are enjoined to provide full disclosure. Arbitrarily declining my 'business ' without justifiable reasons is against federal fair business practices.
This number XXXX ext XXXX Integrated Services say that I got a payday loan. They keep calling my work after i told them that it was n't. They said that I was going to jail he keeps calling me at work. I asked him for his mailing address and he would not give it to me. I am going to lose my job because they call every day.
Calls over and over. Recieved 5 calls total over four day period. 1 on XX/XX/XXXX XXXX and 4 XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.
My account with GM Financial was transfered to a third party to be settled. The settlement was paid off at the beginning of XXXX but the company is not reporting to my credit only GM Financial. We are in the process of buying a house and the credit bureau is asking for a letter from GM Financial stating that the account was transferred to XXXX XXXX which is the settlement company. Ive spoken to 4 different people at GM and all of them told me they can not give me that letter because they do not have a template set up for something like that. One of those 4 people even hung up on me when I was trying to get information. We are trying to get this done before my realtor has to run my credit again for the third time and dropping it more than it has already.
I am filing this complaint because ChexSystems has demonstrated some seriously broken " investigative '' processes of consumer initiated disputes. ChexSystems does not follow a well articulated investigative process, but instead launch " re-investigations '' on their own accord without the consumers request, that yield differing results than prior investigations. They refuse to provide information to consumers that substantiate the outcome of their investigations. Sadly, Chex also adds inaccurate information to consumer files at the whim of their broken administrative processes. 

ChexSystems absolves themselves of any responsibility for the accuracy of information contained in their systems, but instead casts responsibility to their customers, and forces the consumer to address problems directly with ChexSystems customers, unless providing a police report. Unfortunately some police agencies do n't issue " police reports '' when a crime has not been clearly consummated. In some cases a consumer may want to guard against the release of accurate consumer information to prevent perpetuating additional fraud. 

Having gone through investigations with XXXX other Credit Reporting Agencies over the same set of fraudulent inquiries without a " police report '', ALL of the interactions with other Credit Reporting Agencies were consumer friendly, were well defined, were conducted in a professional manner without putting personal information at risk, did not require " re-investigations '', and resulted in the complete removal of all fraudulent and inaccurate information in my consumer file at their firms. 

Details of the interactions with ChexSystems are contained in the attached file. ChexSystems does not provide direct contact information to a consumer to consult directly with a ChexSystems employee. Every communication sent from ChexSystems is sent to the consumer anonymously.
On XX/XX/XXXX I went into the emergency room at XXXX XXXX XXXX XXXX to be seen for stomach pain. The wait was very long so I left without ever being admitted. I ended up going to another emergency room ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I received an alert from XXXX XXXX stating that a new negative account had been added to my credit files ( XXXX and XXXX XXXX ). To my surprise I had lost 42 points due to a collection being added from a creditor by the name of XXXX XXXX XXXX XXXX XXXX. I researched the company and called to see why they had added this to my file. They told me that XXXX XXXX XXXX had submitted a bill for {$270.00} stating that I failed to pay. I have never received a bill or a call from XXXX XXXX XXXX or from XXXX XXXX. I asked the women to verify what contact information they had on file. She preceded to verify an old address of mine and a phone number that has never been mine. I asked what correspondence had gone out to me to alert me of this debt and she failed to answer the question. She kept telling me to call XXXX XXXX XXXX. I never received service from XXXX XXXX XXXX and I was never admitted despite the bill I requested and received ( XX/XX/XXXX ) stating I was discharged at XXXX XXXX. I arrived at XXXX XXXX XXXX XXXX which is 14.2 miles away at XXXX XXXX. This is fraud. XXXX XXXX XXXX preceded to charge my XXXX XXXX for room in board and service that was never rendered. They have damaged my credit and committed insurance fraud. I never received any notice of the debt and was not given a chance to dispute it or anything. FRAUD.
I have been receiving phone calls from this company trying to collect a debt on an account that 's been closed. The people that call speak broken XXXX, when I ask where they are located they hang up or say " we ca n't hear you ''. I am attaching a document to show this account was closed
Experian has XXXX on my credit report twice though it is the same account. The account was never mine and belong to my daughter XXXX XXXX, in which she has admitted to XXXX so baffle why Experian still has it reporting on my credit report. I have attached a notarized letter informing XXXX that this is her debt. I am again requesting for the fraudulent accounts to be immediately removed. I have submitted an incident report number for the XXXX XXXX XXXX Police Department previously. Also, I have sent a copy of my signature.
Going back to XX/XX/XXXX/XX/XX/XXXX when i was laid off from my job i went to Citimortgage for a modification for my main loan and my secondary loan, i asked them to modify them both and to combine them to assist me with being able to afford to keep my home. Citimortgage only modified the main loan, jumping to XXXX, the modification request i put in in XXXX they finally decided to work on without my knowledge, and thus stopped applying my payments to my account, yet my account has accured late fees of over {$100.00}. yet i have records showing that my payments that are due by the XXXX of each month, but no later than the XXXX where sent by my bank, just not applied to my account, by Citibanks choosing as they tried to process a decade old modification request. I never received any decision or notice to why they never approved or denied my modification for this loan in XXXX, yet now i am being penalized with late excessive late fees. At this point i am frustrated and dont know where to turn to make this right, it just appears i have no support in the federal government against unethical and possibly illegal mortgage companies. In XXXX after i turned my home to a rental property, Citimortgage sold the main loan to a company called greentree without my knowledge, so why i continued to send payment to citimortgage my alleged new account with XXXX became delinquent. by the time i fixed the issue, my loan was then sold again to XXXX. I first dont understand how loans that i am responsible for paying can be sold without me knowing or even agreeing to, but yet Citi kept the smaller loan and appears to be mismanaging it.
Capital One credit card was opened without my permission, after investigating they refused to remove the account, however I was told that if I paid the balance due on the account WHICH I DID, that they would change the status from 'Charge Off '' to " Closed '' To date all XXXX credit agencies are still showing the account that has a XXXX balance as " Charge Off '', I would like Capital One to change the status to " Closed '' as was promised to me once the balance was paid in full.
" Debt was paid '' was the most closely related option ; however, I did not pay the debt because the debt was/is not owed. The purported balance owed of {$1400.00} stems from a XXXX account bundled service plan that was never installed properly and never functional. I submitted my complaints and service issues directly to the XXXX XXXX supervisor, XXXX XXXX, who should have XXXX the account balance or directed Customer Service to do so based on the breach of contract on the part of XXXX XXXX XXXX. I have heard absolutely nothing else from XXXX or the collection agency who contacted me under XXXX weeks from the final cancellation and resolve of my account. Recently, XXXX notified me that XXXX had sold this account to said Stellar Recovery Inc which appears on my credit report ... but the initial collection agency to which XXXX sold this account was said XXXX XXXX XXXX ... Today I dropped by the XXXX XXXX XXXX XXXX branch to give them another opportunity to properly resolve this account to a XXXX balance and update these collection agencies to whom they illegally and unethically sold this account, but according to " XXXX XXXX '' - although there are innumerable service issues noted on the account from the beginning until the end and depsite the {$1400.00} being directly associated with installation and service fees, he refused to issue any credits to the account
Called and disputed online on multiple occasions about fraudulent inquiries and an account from crest financial that is not mine and that i did not authorize.
Vanderbilt Mortgage and Finance Inc will not remove the PMI from my house payment. The law is clear. at 78 percent they have to remove it. 
The orginial loan was for XXXX. 
the original contract date was XX/XX/2013 outstanding balance is Principal Balance {$120000.00} i have email them asking them to remove the PMI They say it is only at 80 percent. Not according to the precentage I have. it is currently at 78 percent not the 80percent they claim. 78 percent of XXXX is XXXX if you take the XXXX from the orginial amount of XXXX that equals XXXX. 
the only reason they are trying to not remove the pmi is because it benfits them. AND vanderbilt keeps all of that money {$90.00} a month then sends it to federal at the end of the year. I have not been behind my mortgage I am current, and never been 30 days late. They dont have a solid reason not to remove it. 
They sent me a letter telling me that I had to have a appraisal. The law is clear at 78 percent they have to remove it ..
This company is not operating under the guidelines of the FCRA. I have never heard of this company and have never done business with them. I have not received a dunning letter or any communication with them before attempting to start collection practices. I will also be contacting my state 's attorney generals office in regards to this erroneous reporting and this company 's business practices as well. Diversified Consultants , inc . VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.
Personal loan that was removed was converted fraudulently to educational loan so they reinserted it onto my credit report. The dates, amounts and historical info are wrong
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Trans Union has dropped my credit score over sixty points in XX/XX/2018 for reasons unknown to me, they are completely lopsided from other credit reporting agencies, I have not been given a satisfactory reason for this, I am still using credit on a regular basis, I'm just not applying for any credit cards or using any of their offers, I wouldn't be so concerned if all the credit agencies were closer on their findings or for the fact that I dropped so many points at once with this agency, there is over a sixty point difference from XXXX, I would just like to know why it dropped so much so fast. 

Thank you, XXXX XXXX XXXX
My daughter is in her XXXX year of XXXX at XXXX XXXX XXXX and the University of XXXX in XXXX, TX. She has taken out a number of loans from various financial companies to finance her XXXX education, including XXXX XXXX Loans and Citibank. She has always been prompt in asking for deferral or forbearance until she completes her program. Recently, she discovered that XXXX of her loans with Citibank had been sold to XXXX and then, in a very short period of time, resold back to Citibank, declared delinquent and then turned over to a collection agency. At that time, the debt collectors then began calling me to demand payment of the full amount. No one at any time contacted me about the past due status of the loans, nor did they contact her either by phone, voice mail or letter. The fact that the loans changed hands XXXX during this time frame has made communications very difficult and confusing. I should note that XXXX has loans with Citibank that ARE in deferral, adding to our frustration and confusion. Both my daughter and I fully intend to honor the debts. Had Citibank or XXXX acted in good faith and communicated adequately at all, this would have been avoided. All we ask in this complaint is that the XXXX loans be removed from delinquent status, that XXXX be allowed to pay the past due amounts and that repayment of the remainder of the XXXX loans be deferred until she completes her program in XXXX 2016. I would also ask that my credit reports from the reporting agencies be repaired by removing these delinquencies.
I have been a customer of Navient ( originally XXXX XXXX ) for a number of years. They have continued to push for forbearance ( even with the interest still accruing ) when I told them I could not afford current payments. This has happened several times over the years.They also do not allow me to enter an income based repayment plan because they said it is a " private loan ''.
They call multiple times a day telling me to just pay my amount in full so they will stop calling.
On XXXX XXXX 2002, I applied for a loan and was approved for a loan with Wells Fargo Financial, but i decided to decline the loan.