WillisBack/dataset-financial-user-claim huggingface dataset:
I received a phone call supposedly from the dept of ed in regards to my student loans. I was told that my loans were past due and that it would affect my credit. I was also told that I could be eligible to make lower monthly loan payments based off of my income. The person who called knew all of my personal information. The rep helped me to set up automatic payments to be withdrawn from my account before it affected my credit further which we did. 4 payments were deducted from my account in the amount of {$160.00} for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Turns out this money was never applied to my student loan balance at all but was a scam from a third party. I have contacted my bank to file a report which an investigation will be conducted.
XXXX Called Brite Financial to obtain information as where to take my car for repairs with the extended warranty that's included in my lease. Originally Car rite XXXX XXXX XXXX XXXX XXXX WI XXXX is where my car should go for maintenance and repairs. 
Car Rite has been closed since XX/XX/XXXX, no notice or direction as to where to take my vehicle going forward. Brite Financial advised my contract # is XXXX the number for the XXXX XXXX  is XXXX I was advised that The XXXX XXXX, administered by XXXX is where I should call XXXX. I called them and was advised I could take my vehicle to any licensed repair shop and my deductible for repairs is {$100.00}. I then made an appointment for XX/XX/XXXX at XXXX with XXXX XXXX dealership. 

XXXX XXXX advised me that my car needed a sensor replaced and they were going to call the warranty place to open a claim. They would call me Back to schedule the repairs. 

XX/XX/XXXX XXXX advised me that The XXXX XXXX denied my claim as I need to go to the selling dealership which is closed. 

XX/XX/XXXX Called XXXX XXXX  back and they were supposed to call XXXX back with my claim number as they confirmed the selling dealership is closed. 

XX/XX/XXXX Called XXXX no call ever received from The XXXX XXXX, called XXXX XXXX there is a different department " first extended '' that I need to speak to? On hold for over 30 minutes and the system disconnected the call.
In XX/XX/XXXX, I called The SunTrust Mortgage Escalation Resolution Team. The person who answered the phone said she could take my request verbally. I told her I was requesting a copy of all the information re my mortgage # XXXX, that they sumitted to the Hamp Administrator and the National Settlement Administrator. The person, whose name I have, said she would take care of this. It has been over 30 days and I have heard nothing. I called yesterday, and the person who answered the phone, said I have to submit my request in writing. A month wasted!!!! I have requested info by phone.in the past and have received a response. The desired resolution, is that I receive a complete copy of any information given to the Hamp Administrator, and the National Settlement Administrator, regarding the subject mortgage # XXXX ASAP. It is my right to see everything sumitted.
Have made Several payment settlement XXXX XX/XX/2018 XXXX/218 and XX/XX/2018 on the first set I needed them send me the agreement in writing called them in XXXX several times trying to see where the letters were and find out what date they were mailed out XXXX acct was for XXXX and XXXX and acct with XXXX XXXX for XXXX XXXX These Two Accts. were to be paid by XX/XX/2018 and if I needed more time I was to call them in may I called them again and told them that I still had not received the letters I spoke to a XXXX he then told that the letters were not out because I needed to give them Permission to contact me and call me I ask a fax number so I could send them what they needed XXXX gave me a fax number to fax the release I tried to and their fax was not working I called the back they gave me another number it did not work so I mailed them to them and onXXXXorXXXX  of XXXX I called them back to see what was going on I was connected to a Operation Manager she told me that to email her the release and then she would send me an email reply to them by say that I Agree and they would email me the Letters and she would put it until XXXX I never received the email so I called them again and this XXXX they told me that the pay off agreement was no longer and that I need to a higher amount on accts I am still waiting for the email payoff agreement I now think that this their way to get more money I also asked to speck to Corporation., was told that they had no way of connecting me with Corp because of this I have Lost my funding and my3.5 % rate is gone the home was sold to a new Buyer
I took out a private loan in 2005 for what I thought was a reasonable interest rate of 7.68 % standard variable not fully understanding how it compounded at the time. The original amount was 15,000 and the outstanding balance as of today is XXXX. Over the time span of 8 years I have made over 12,000 dollars in payments and the balance has done nothing but gone up. I could pay off a home mortgage quicker than this. The school at the time was XXXX University XXXX however I took the loan out through a XXXX bank private student loan who has since then sold the loan off numerous times.
I called XXXX XXXX at a XXXX number to purchase airline tickets for travel to XXXX. I was charged a foreign transaction fee by the credit card company. I purchased tickets from a XXXX branch in XXXX Dollars. How can I be charged a fee by the credit card company? I have purchased airline tickets this way before and have n't been charged a fee. Please advise.
I keep having this collection come up on my report - I have disputed this many times from many different creditors and this same debt keeps coming back onto my account without notice. When I try to dispute this in written form ( 3 times ) I do not receive anything in return - just pop back up from a different creditor. I do not own this debt and I need it off of my report.
I am behind on my mortgage payments and facing foreclosure. I went through Oregon 's foreclosure avoidance program with my lender. The meetings were spaced out over a long period of time and no solutions were offered up by the lender to help me keep my home. Soon after the last meeting I was served foreclosure papers. I believe the lender had no intention of helping me and was just doing the minimum that the state required by going to the meetings. I have filed countless required documents with the lender including letters detailing and proving my financial hardship. I filled out the packet of forms for making home affordable all to no avail. My case seems ideal for the making home affordable act. My wife and I bought this house together after XXXX kids and twenty years of marriage. She started XXXX and then left me. This was emotionally and financially devastating. She took her earnings with her and has since filed a quit claim deed on property. Then I had a very long unemployment period. The new job I finally landed pays much less than my old one. This is how I fell behind on my payments. Now I am trying to save my home for myself and my teenage daughter. It gives her stability. We love and feel safe in our neighborhood. My lender still rarely communicates with me. Recently I was turned down for a loan modification due to not enough income. I heard this through the housing agency that has been helping me try to save my home ( XXXX ). I only received a denial in my ex wife 's name. She no longer has an interest in the property. I was supposed to be able to appeal if I received a denial and the wages they used to calculate were incorrect. I never received it. The stress I face everyday I wake up knowing my house could be lost is getting to be too much. I am also heartbroken when I think of my daughters reaction if I lose the house. I just want a fair chance to save my house and do not believe my lender puts any effort or interest into aiding my plight.
I have filed a dispute with Equifax & XXXX that the Tax Lien on my credit report is incorrect due to a fraud committed by an unknown individual. IRS already corrected this information, but the Credit Bureaus listed refused to do so. I was told by their Rep. that they search the Clerk Data base & found this information by going to a third Party. This should not happen, and IRS stated they DO NOT give information to Credit Bureaus. I request this be DELETED.
Rushcard has been holding onto my refer a friend credits for way too long now. I 'll call and they say they 're going to send to cooperate as priority. Nothing yet. I have about {$180.00} worth of credits they owe me.
IC Systems representing XXXX XXXX XXXX I paid the debt in full. ( XXXX ) and IC Systems has charged my debit card XXXX! For a total of over XXXX US dollars. This is absolutely unprofessional and what I consider theft! I spoke with XXXX at ext. XXXX
Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. Chase reported my account as delinquent to XXXX with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on Chase part to do a proper investigation. My credit was perfect up until this fraud and deception took place!
Ex wife used my name and ssn to open an acct while i was XXXX and she refuses to pay it and it on my credit report effecting me able to buy a house
Dear Representative, First of all the statement that Citi sends does not show amount remaining on any balance transfer offers which in my opinion is deceiving. Anyway Citi sent me a statement for the billing period XX/XX/XXXX - XX/XX/XXXX with a balance of {$1500.00} owed ( statement evidence enclosed ). This is the total outstanding on my part including my balance transfer offer XXXX, then I make a payment of {$100.00} onXX/XX/XXXX and another payment of {$1500.00} on XX/XX/XXXX totaling to {$1600.00} ( statement evidence enclosed ). Essentially the last statement outstanding balance was fully paid i.e. including the balance transfer. So now after two months what happened is that in the latest statement ending XX/XX/XXXX I noticed interest was charged to my balance transfer offer XXXX. On inquiring I was told that I still owe {$270.00} under balance transfer XXXX. I dont understand how is there an outstanding balance now?? This is just very deceptive because Citi sends me a statement showing {$1500.00} I owe and I pay {$1600.00} against it and now after 2 months my balance transfer offer XXXX still shows that I owe. This is totally ridiculous!! I have been going back and forth with them without any solution. I need your help in getting this sorted out please! Best Regards, XXXX XXXX.
To Whom It May Concern, I recently pulled another copy of my credit report and noticed the following information are in error and still have not been corrected : This letter is my final communication in regarding the inaccurate entries being reported on my credit report.

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at : XXXX XXXX XXXX, XXXX, NY XXXX. 

I am seeking {$10000.00} in damages plus {$1000.00} per incident for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Violations of Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


Prior to our court date if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : My Attorney Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : ( List all the companies that have pulled your credit, whom you did not give permission to do so ) 1. XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXXom XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX 6. XXXX XXXX Inquiry from XX/XX/XXXX 7.  XXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10. XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my non-drivers license as proof of identity.
Having completed the required three-month trial payment period,XX/XX/XXXX-XX/XX/XXXX, on XX/XX/XXXX we received an acceptance/eligibility letter from Nationstar Mortgage for a Home Affordable Modification on our mortgage. We completed and returned the agreement in the pre-paid envelope by the designated date of XX/XX/XXXX. Receipt of documents were confirmed and we continued payments -- the first new monthly payment for XXXX ( continuation of trial payments ) of {$1500.00} @ 3 % interest for 483 payments and made XX/XX/XXXX's monthly payment ( monthly principal/ & interest payment amount {$850.00} ; monthly escrow payment amount {$660.00} ). On XX/XX/XXXX we received another modification agreement with change in the " new money '' from {$100000.00} to {$74000.00} ; the monthly payment changed to {$1500.00} @ 3 % Interest for 480 months. We called Nationstar and spoke to XXXX XXXX questioning new modification documents AND as to why on their website on my login page there was message " Your account is not eligible to make payments. Please call us ... '' XXXX XXXX said that Nationstar was " re-doing the modification '' and that I after I signed new agreement, payments would be accepted. We signed the new modification agreement and returned them within the designated time frame.
We called Nationstar weekly and were told they were working to correct some errors " they had made ''. We checked our account on their website several times during the week and saw the same message " Your account is not eligible to make payments. Please call us ... '' which we continued to do. <P/>On XX/XX/XXXX we received a letter ( dated XX/XX/XXXX ) informing us that we had been denied HAMP 1 Tier as we 've " ... exceeded allowable number of modifications ... '' and HAMP Tier ll was declined because " ... offer not accepted by borrower/request withdrawn ... '' This is not true. It also states we did not make trial payments which is not true! They are now asking for money ( {$61000.00} ) that according to modification agreement was rolled back into loan.
My card was stolen. A charge was made and it was not from me.  Chase  did an " investigation '' and claim the charges were authorized ... they were not. They sent me a letter stating that they were reversing the credit on the  XXXX . They did the charge on the  XXXX  at  XXXX . Not only is that misleading but they also refuse to refund my money.
I have an account with Coinbase, a cryptocurrency exchange, and have been trying to sell my positions and close my account for close to a month now with no avail. I have Bitcoin, Etherum & Litecoins within the online system and am unable to " sell '' them and " cash out. '' Each and everytime i do this, the system prompts me that " additional informaiton is needed to verify my identity, and to go to 'coinbase.com/XXXX ' to do so '' when i go to the address and answer the personal questions they prompt me with, the system denies my entries and i get stuck in this loop where it keeps asking me to verify identity and does not allow me to sell. Basically, they keep asking me to verify identity and after I answer their questions, they tell me my answers " are wrong. '' The shady part is that I have already verified my identity, both via questions and by providing my ID ; furthermore, I have succesfully bought and sold on this website since 2015 when traffic must have been less. It is only recently that I have been " shut out. '' I have contacted their customer service phone line 5 times, each time being placed on hold for hours with no representative picking up. I have tried their online support system and have submitted requests to " close my account and cash out '' 5 times with no response. Basically i am being ignored and my money is tied up. 

Of mention, I started this process when my account has over $ 19K in it, it has since dropped to $ XXXX and i am still stuck. All i want to do is close my account, and collect my proceeds.
On XXXX XXXX I applied with Chase for a promotion with XXXX that, if I applied before XXXX XXXX, if I spent {$4000.00} on purchases in the first 3 months I would receive a companion pass on XXXX and XXXX XXXX points. On XXXX XXXX, after receiving notification by application for the credit card was approved, I called Chase to confirm the terms of the offer. Chase stated the offer ended XXXX XXXX, and refused to honor the promotional deal I signed up for.
My escrow account is in the negative due to Caliber Home Loans paid taxes for my house and another house with the same street name from my escrow account. I called in XX/XX/XXXX and was told it would be fixed. Called a few more times in XX/XX/XXXX and was told it was being fixed.. Well it's XX/XX/XXXX and still no resolve. I received a statement stating my mortgage was going up to XXXX due to my escrow acct was XXXX. I called and was told they are still working on it. I was transferred to XXXX XXXX the 3rd party carrier and they said they only did what Caliber told them to do. OnXX/XX/XXXX I was speaking with XXXX agent ID XXXX at XXXX XXXX  and she stated it was not her problem and transferred me to XXXX agent ID # XXXX. XX/XX/XXXXi received a new statement stating my new mortgage payment would be XXXX starting XXXX. Caliber has not received the refunds for the payments they made in error for the taxes. However, I was told if i do not make the monthly payment until they fix it, I could go into foreclosure. I am a single mom who busted my XXXX to get my family in a house. I have paid all mortgages and for them to threaten me that i may lose my home for their error is absurd. I need help. Please Help me.
I call Transunion to make a dispute on my credit report, the first person I spoke to did not know how to do an online dispute so I spoke to a manager by the name of XXXX. XXXX told me how to go online to do a dispute but it turn out when i try to do it myself I could not figure out how to do it and the manager did not know how to show me to do it. Transunion report for millions of people and I pay a membership fee they should have an easier system to use online to fights dispute. I have a clear letterhead from child support asking to remove delinquency and also that I owe {$0.00}, not {$870.00} stated on my credit report. This is not a collection account it needs to be removed right away. My name is XXXX XXXX, XXXX XXXX XXXX XXXX report number XXXX. I attached Cover letter, Child Support delinquent account and Head head from child support asking to remove Delinquency off my credit report and I owe {$0.00}.
I paid {$43.00} to overnight a certified check to the credit card company to pay off the account in full. I was told it would post immediately However, synchrony financial is holding my account hostage by refusing to zero out my account for 3 days - without cause. Given that 's it a certified check, there is no reason to freeze the account. I have an emergency medical problem and need the account for medical bills. Thus, the reason for overnighting the check.
I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX  XXXX  XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Just received this email!  the password that they used is the same one I used ONLY to get into my discover accounts!!!!

On Wednesday, XXXX XXXX, 2017 XXXX XXXX, XXXX XXXX  wrote:
 
 
Hello XXXX XXXX,
 
You (or someone else) has just registered an account on XXXX XXXX XXXX. We are checking the validity of all email addresses to avoid that customers pay for services and finally don't get their confirmation emails with the access data.
 
Clicking on the link below will activate the account and you will be able to resume the signup process:
XXXX
 
username: XXXX
password: Using the pass word that I used to get onto their site to pay my bill!
 
--
Best Regards,
Customer Support team