WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I contacted Nelnet in regards to what my repayment options were for my student loans. The representative asked for my updated contact information, which I gave them. After explaining what my repayment options were, I was emailed an application for income based repayment and told that it would be pre-filled out with my current contact information. 

Later on that day, I received the application as the representative stated with the correct contact info, filled the rest of the form out and sent it back via email. 

For the following 4 months, all of my loans remained in good standing and were listed as current on my credit report. Flash forward to just a week ago and I find out that I am suddenly 2 months behind and have negative marks added to my credit report due to both XX/XX/XXXX and XX/XX/XXXX payment statuses being reported as late. I had no idea I had fallen behind since I had not done anything differently on my repayment since first contacting them in XX/XX/XXXX. 

When I contacted Nelnet again on XX/XX/XXXX, the representative I spoke with read off the wrong contact information to me when we connected on the phone. I once again gave him the correct info and he relayed to me that the reason why my payments were marked as late is because they did not have updated contact info for me. 

I let him know that I had electronic proof of them having the correct contact info from the pre-filled form they sent me back in XX/XX/XXXX. He apologized and told me there was nothing he could do to remove the marks on my credit history and once again forwarded another application on to me to fill out. 

I once again filled out another income based repayment application and sent it to the proper email address as instructed. It is presently XX/XX/XXXX and I still have not heard back from Nelnet about what my repayment options are. I'm extremely worried because I do not want to have any additional negative marks added to my credit report and I am making the effort to communicate with this company to responsibly resolve my debts. 

I contacted Nelnet again on XX/XX/XXXX via chat about once again disputing the information posted on my credit report and the representative I spoke to even gave me another address they had listed for me that was incorrect and had never been one of my former addresses. He also told me there was nothing he could do to correct matters and that I'd have to type up a letter and fax it to the disputing department. 

Seeing that I have made attempts to contact Nelnet and have proof of them messing up my contact info, I am requesting these two derogatory ratings be lifted off my credit report due to their own errors in updating my records. I should not have to deal with a drop in my credit score because of something they did incorrectly.
I have recently discovered that AES has been billing me for the student loan that I have not borrowed. I have not taken a college course in California and have not taken out a student loan, private or Federal, from a college in California, especially from XXXX XXXX University even though I was admitted to XXXX XXXX University in XXXX XXXX, CA in 2005. I withdrew within a few weeks before the semester started and I did not take out a student loan. For many years, I have requested AES to provide the details about this student loan that AES has been extorting money, interests and fees from me. AES has long been non-responsive regarding the matter. Recently, I discovered its flaw and contacted AES to correct the errors. AES responded by stating that it mailed out the Affidavit Form to file for the fraudulent ID theft as the formal procedure to deal with such an issue. I waited for a few weeks but the Form was not in the mail. I contacted AES again and it stated the same that the Form was mailed out while AES has been waiting for its return, without which AES would continue to bill me. 
AES has fraudulent been forcing me to pay for the loan that AES claims I owe and now it demands that I am responsible to prove that I do not owe the loan while AES continues to illegally extort money from me. How injustice! I have submitted the document per AES request pending its review. Meanwhile, I do not wish to continue paying for the student loan that I do not owe and can not risk to have AES ruin my credit histories. I would like your assistance to resolve this issue quickly without any further harm to my credit scores and financial obligation for some loan I do not we. I would like to get my full refund of about {$39000.00} in debt, interest and fee payments AES has been extracted from me. Please help.
I received several phone calls from Midwest Recovery over the last couple of months. Each time I stated I had no knowledge of alleged debt. Each Time I requested something in writing so that I could investigate. Each time they refused. When I stated that the FDCPA requires them to do within 5 days of initial contact they stated they do not have to. The last time they contacted me on XX/XX/XXXX they left a voicemail and I returned the call and the gentleman said they were going to report it to the credit bureau despite the numerous attempts that I asked for written documentation. THey said they do not have to provide that. Today I checked my report and they reported it to all 3 bureaus causing my score to drop significantly.
I am not able to reach Experian over the phone and not allowed to access my report online.I have disputed judgement that has been vacated, and I have documentation for a car loan that was dismissed in court. I want these items removed from my credit report immediately.
A person called would not offer the name of the company they were calling from, they are looking for XXXX XXXX XXXX XXXX is an ex husband going on 18 + years. 
I advised that i am not sure why they would ever be reaching out to me for anything in regards to him. They made it seem like this was a case number and never represented them selves as a place to collect a debt or that the call was being recorded. 
this was a week ago and again today another call, asking if i spoke to XXXX and relayed the information i did not because we do not speak. Still would not tell me where she was calling from. But this time the number when i called it back ( was different than the previous number ) did answer as Atlantic recovery solutions when i called her number back ( the one she gave me ) she answered ARS.
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years.Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have 18 to 20 inquiries on my credit report. PLEASE HELP ME!!!
XXXX account # XXXX I have insurance, I paid my Deductible/co-pay at the hospital and even recieved a refund for overpayment of the deductible. I never recieved a bill after XXXX. I have no idea why this is in collections they should bill the insurance ; So far as I know I am not responsible for this bill ; neither have they provided me a copy of the bill so that I could present it to my insurance carrier. They have no right to place this on my credit report without notification of a bill being due.
I have reported 5-8 negative items on my credit report that are incorrect and in violation of the FCRA several times. 
These are the dates I sent certified letters : XX/XX/18 XX/XX/18 XX/XX/18 XX/XX/18 I sent letters to each bureau XXXX, Experian, and XXXX. I never received my results only a free copy of my credit report. I do have proof that letters were received by them. I also tried to delete a few addresses off of my experian account and they refused. This is causing major issues in my personal life and need these items removed immediately.
XXXX ( Student Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 ( USPS Certified Mail, reference # XXXX ). 
There is a violation due to lending practices of XXXX as stated per CFPB vs XXXX. Until there is a finalization of the current findings of violation, XXXX should not report any accounts of fraudulent nature to all the credit bureaus.
WENT TO CASH IN A 12 MONTH CD AND WAS TOLD THE GRACE PERIOD HAD EXPIRED. I WAS STILL WITHIN 10 BUSINESS DAYS FROM THE MATURITY DATE BUT THEY CHARGED ME A {$120.00} PENALTY ANYWAY. I TRIED TO CASH IT IN ON XX/XX/XXXX BUT THEY WERE CLOSED WHEN I ARRIVED AND THEY WERE ALSO CLOSED ON XX/XX/XXXX SO I CASHED IT IN ON XX/XX/XXXX
My creditor, XXXX XXXX, refuses to correct my credit file. My creditor XXXX XXXX has mishandled my account file as it pertains to my credit. My self and spouse applied for a mortgage with XXXX in XX/XX/XXXX. XXXX ran my credit report the same month, approximately XX/XX/XXXX and advised me of a late reported XX/XX/XXXX. XXXX hired XXXX XXXX to validate this, as I advised I had not had a late payment. On XX/XX/XXXX XXXX XXXX representative, XXXX XXXX contacted me and we had a conference call with XXXX XXXX   Rep., XXXX. XXXX was asked by XXXX if my payments were current, If I had any late payments in the last 12 months, the balance amount on my account, last payment and next payment due date. XXXX advised XXXX that I had not had any late payments in the last payments in the last 12 months and my last payment was XX/XX/XXXX and next payment was due XX/XX/XXXX. I had been paying every 2 weeks even through my due date was XX/XX/XXXX of the month. I have been in contact with the credit bureaus to file a dispute. I provided them with the XXXX XXXX documentation of the call that verified no late payments. I provided the same information to XXXX XXXX. They denied the call was made to them, denied the employee XXXX verified the information as well. : What company is this complaint about? XXXX XXXX. : Who are the people involved? 
XXXX XXXX from XXXX XXXX   XXXX XXXX XXXX / XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX
I sent XXXX principal payments to UBS Mortgage, serviced by XXXX NJ ( the mortgage servicer for my UBS Mortgage ) on XXXX XXXX, XXXX, XXXX and XXXX, 2015, totaling {$110000.00}. As of today, XXXX XXXX, 2015, they have misapplied each payment and have not accurately reflected {$76000.00} of payments. I have called and e-mailed multiple times and I have been promised that my case was escalated and would be corrected soon. I spoke to XXXX Client Service representatives today, and I asked for a supervisor. I was told that they can not connect me with a supervisor, and I could be put on hold to wait in the " queue ''. After 1 1/2 hours on hold, I hung up. There is no physical address to send a complaint to, only XXXX and XXXX as the consumer 's customer service line. I have sent multiple secure e-mails, with a standard response that they will correct the misapplied payments " as soon possible ''.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I believe this is the agency that has been hacking into my accounts using fake XXXX accounts Received a letter from them has my social security number listed! Stating that I own XXXX XXXX money. 

Was not XXXX Bank obligated to protest card holder for hackers inside their company and from hackers that used their company to hack peoples accounts? 
Someone using Discover Bank hacked into my bank and took {$300000.00} a few years ago. XXXX DID pay it back BUT did not stop them from hacking and taking funds from my XXXX and XXXX XXXX cards to the amount of over {$40000.00}! This funds sent to a fake XXXX credit card account! 

Discover Bank NEEDS to stop letting hacker work for them!!! 
They owe me over {$40000.00} plus the amount that the hackers took from my XXXX Credit cards. Plus damaged that they did to me of {$50000.00}. 

In XXXX of XXXX  I became XXXX and sent a claim into Discover Card to have my payment paid by the payment protection plan that ALL card holder had pay for> I was told I did not have that coverage that I was paying for as required by them ( federal court ruling XX/XX/2012 XXXX I can canceled both cards and started to pay them off at {$100.00} to {$300.00} per month. About four years ago someone at Discover Bank or through them took {$3000.00} from MY bank! They did send me a blank check for no more then # XXXX! But when the hacked into my bank the got my other credit cards and started transferring money ot of them to a fake Discover card account! Before I caught them and pt a stop to it the took over {>= $1,000,000}! Discover Bank has been ordered by several federal court to stop setting up fake accounts in class action law suites!
There is a collection on my account for  XXXX  that was opened  XXXX     2016 and  closed  XXXX     2016  in my name. I called  XXXX  directly because I have never been a customer or client of  XXXX  my entire life. They have on their records cable billing services for a period of 3 months. I never authorized anything, I never signed anything, they dont even have a correct service address connected to me!     Where I live currently is where I have lives since  XXXX     2016!   XXXX  cable is not even available at my residence. I have provided proof of my current lease with dates and asked them to source the service address, they can can not. I have disputed it with the credit bureau as well asking for some sort of paperwork or something connecting this account to me, they have provided nothing but a late payment report!     There is no address even listed! It would be impossible because I have never lived anywhere else within those service dates, nor do I have family member or friends who do!     I have placed a fraud alert on my account to keep it from happening again. This apparently common. I am  XXXX   XXXX   XXXX  and these kinds of things can hurt my clearance and currently hindering my credit from home buying.  XXXX  nor the credit repair companies have been able to provide or show where I am related to this address connected to the service account. There is a bill in the amount of  XXXX ! It is reporting as a collection! I have never received a call or anything in the mail about the account!     I have attached my  apt lease that shows th e date I moved in!   I provided my light bill with my current address for the dates that cover the time  XXXX  is saying I occupied another property.   I provided my rental insurance for my current home to show proof I am actually living and responsible for the address listed.      XXXX  cable/wifi/internet service is not even available in my area. I use a company called   XXXX   XXXX  . They own right to this location Please help me understand exactly how can they not properly investigate and get the  CORRECT informatio n from this company and allow the reporting of it falsely on my account.     Thank you so much!!
I had made my third trial payment with XXXX XXXX XXXX Mortgage and called several times to find out if they would come up with a plan they said they would instead right after the 3rd trial payment I was sent a letter that my mortgage was assigned to Selene Finance and when I called Selene Finance although I had a trial payment plan they had no clue what was going on said I should continue with my trial payment plan And when ending of XXXX came so I can make my fourth payment the customer service at Selene Finance said my information wasnt in the system. I called several times but no help and they hardly pick up the phone with a live representative this company Selene Finance. When I finally threatened the agent about speaking to my lawyer, he called back with in 5 mins and stated he could take my payment when just 15 minutes before another customer service said my information wasnt on the computer system. Then after this person who is taking care of my case took my check number stated he couldnt give me a confirmation number that he didnt have which I thought was super strange all companies give a confirmation number it shows that a payment was made. After that I decided to check the reviews on Selene Finance and saw that they had XXXX complaints and not one good review I guess XXXX XXXX knew exactly how to get me and my home into more issues.
I have disputed the information about the bad marks on my XXXX XXXX credit card several times. I spoke with XXXX XXXX several times on the issue. They told me that the credit bureaus come to them and they have no control over the bad marks being removed. I have requested several times that they be removed from my Equifax credit report trying to give Equifax the chance to do the right thing. So I would file a dispute. Several times I would get an email saying there would be a dispute and I never filed one. Then I would come to find out they had canceled my original dispute. I have attached the following documents saying that they deleted the XXXX marks but it still remains on my Equifax report.
On XXXX/XXXX/2014 I entered a contract with GE Capital Retail Bank to finance {$430.00} with no interest if paid in full within 12 months. 
I have record of payments made on XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 XXXX and XXXX/XXXX/14 XXXX. Synchrony Financial bought the contract without my knowledge and began sending bills in XXXX 2014, and late payment fees continuing to present date at a current balance or {$220.00}. 
I owed {$430.00} within 12 months and repaid XXXX within 5 months. Synchrony Financial has also destroyed my previous credit score XXXX to currently XXXX. I have tried to reason with them with no success.
( 1 ) A landlord requested my credit report and criminal background check through TransUnion SmartMove ( 2 ) TransUnion SmartMove instantaneously provided the prospective landlord with my credit report and criminal history through their online portal, based on the information I provided ( 3 ) On TransUnion 's website, the company will disclose the contents of the report to individuals who requests a copy of a report by calling customer service. ( See attached screenshot. ) ( 4 ) After calling customer service, providing extensive verifying information, I was told that I was required to email/fax a document with a photo ID and lots of personally-identifiable information to their processing center, and wait for a report to be /mailed/ within 30 days. 
( 5 ) I asked whether or not I could be provided with the report electronically, since I had already verified my identity. I explained that a ) I had no opportunity to review the report to ensure the validity of the data and b ) mailing the report seems peculiar for a service designed for individuals who are moving into new residences -- the address is likely to change soon. 
( 6 ) Customer service elevated me to the supervisor, who explained that this process was /mandated/ by the FCRA. This may be true, I am not a legal expert, but seems counterintuitive. 
( 7 ) No resolution.
Since I have submitted numerous disputes, since this is a paid collection that keep being refused to be removed from my credit report, as I have made the PAYMENT IN FULL for my XXXX XXXX account ending in XXXX. Transunion still has the payment status reporting as " in collectiosns/charge off. THIS ACCOUUNT IS CURRENTLY NOT IN COLLECECTION, THIS ACCOUNT HAS BEEN PAID, SO THERE FOR THE PAYMENT STATUS SHOULD REFLECT ACCORDINGLY. I WOULD LIKE TO SEE THE PAYMENT STATUS AS EITHER PAID CHARGE OFF, PAID AS AGREED. 

PLEASE AND THANK YOU
I Don't Understand Why This Account Is Listed As Derogatory On My Credit Report. Servicing Of My Mortgage Changed From Homeward Residential To Ocwen Loan Servicing Without Any Lapse In Payments.
I have a letter from the company stating that my payment at XX/XX/2017 was going to be {$110.00} and I was charged {$120.00}. <P/>I have copies of the charge on my bank account and also a copy of the letter that the company sent me.
My name is XXXX XXXX dob XX/XX/XXXX. 
I have a medical bill was already being paid through one collection agency called XXXX. At the same time a different company called XXXX was sending letters and calling about this same account. I kept telling them we were working with a collection agency already and they were already doing monthly automatic payments. 
I told them to call their client, the original creditor, because as of XX/XX/XXXX the account was paid in full. They told me they don't need to call the original creditor. After numerous phone calls and letters, including my phone call on XX/XX/XXXX. XXXX  sent me a letter saying has determined my dispute is not valid and I still owe the full amount of {$660.00}. 
On XX/XX/XXXX I have had a phone call with the original creditor and they told me XXXX is not one of the collection agencies they even use. 
Original creditor : XXXX XXXX account # XXXX service date XX/XX/XXXX XXXX  alleged account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX phone XXXX
Equifax recklessly failed to protect the credit information entrusted to them, including but not limited to social security number, addresses, date of birth, credit card information, bank account numbers, etc. exposing me to identity theft and other frauds.
I am reporting XXXX XXXX XXXX XXXX XXXX, Mortgage Loan Originator for false and deceptive practices and for harassment. XXXX has emailed and called me multiple times stating that he needs documents from me to complete a mortgage loan application of which I never applied to or agreed. XXXX and/or his team members emailed and left voicemails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting financial documents. I notified XXXX via email on XX/XX/XXXX to stop contacting me because I am getting a loan with XXXX XXXX XXXX He and his team continues to contact me requesting documents in order for my loan to be approved after my written request. I am getting harassed by XXXX. He is not respecting my request to stop contacting me to complete a loan mortgage application.
XXXX XXXX XXXX they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX for the amount of {$140.00} which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.
This account was closed 1 year ago and with a XXXX balance. I received my full security deposit from this company. Since that time they have hired XXXX company to pursue undisclosed charges. Not once did the company a specific date or transaction yet added a new balance of {$200.00}. I 've since become permanently XXXX and notified XXXX XXXX and XXXX XXXX of my exempt from collection attempts at my home or phone. XXXX XXXX has ignored the request to stop harassing me and continues aggressive collection attempts and still sends statements in an account that was close in XXXX 2015 one year ago
My credit report is showing an account for XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX account to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX 's deletion reques off my credit report, the account is still howing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. 

Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off my credit report.