WillisBack/dataset-financial-user-claim huggingface dataset:
I have a  DLPLUS  loan being serviced by FEDLoan Servicing. Account  XXXX .  <P/> I had been making payments every month until  XX/XX/XXXX .  XX/XX/XXXX should have been should have been my last payment based on billing statements received at that time. Since then I have received no billing statements until following :  XX/XX/XXXX  - Paid In Full Notification  XX/XX/XXXX  - Disclosure of Loan Repayment Terms  XX/XX/XXXX  - Month ly Bill (  statement I owed {$20000.00} plus {$1.00} interest On  XX/XX/XXXX , my son made a payment of {$200.00} from his checking account to pay his student loan ( different account ). In  XXXX  his account stated he now owed two payments. Invested cause and reason was  XXXX  used the billing payee with my account  XXXX  instead of his account  XXXX .  <P/> When we called about the  XXXX  payment we learned that it was applied to wrong account. This first call in  XXXX  we were told. It would be refunded to my son 's bank account because that was the source of the payment.  <P/> The second call was made because it had not yet been returned to his checking account and we were told that refund will take  60-90  days to process. We said why ca n't the money simply be reversed and reapplied to the correct account and we were told it can not happen that way.  <P/> We never yet saw {$200.00} come into his checking account.   I received on  XX/XX/XXXX  {$190.00} refund. I called again and asked why  1 )  I got this check and  2 )  why was n't it for the {$200.00}.  <P/> Response from  FedLoan Sevicing : Th at my account had a balance of less than {$25.00} owed and it is their practice to keep the amount owed if issue a refund. That explained why {$5.00} was reduced. I accepted that fact and gave my son the {$190.00} for his student loan payment. It seemed very irregular and opposite of what I was told, but for {$5.00} why argue more about it.  <P/> I asked why was I never sent billing statement for the {$5.00} balanced owed? I was told because my remaining balance was less than {$25.00} they do not issue monthly billing statements and they basically had written the loan off ( evident as closed in my credit report I had received before any of this started ) and I got my paid in full statement.  <P/> Very surprised to see that ten days later I get a notice saying I owed {$200.00} principal and interested.  <P/> Explanation received : FedLoan Servicing actually did reverse and reapply the loan payment on  XX/XX/XXXX . FedLoan Servicing issued me a refund for {$190.00}  (  less the {$5.00} remaining in balance on XX/XX/XXXX . And FedLoan Servicing then realized they made two different transaction trying to correct this issue which moved my originally paid in full account to be owing {$200.00} P & I.
on XX/XX/18 I got a email alert from credit bureau that a loan company from a unknown source had accessed my XXXX XXXX credit report in violation of [ fair credit reporting act ] with a hard inquiry sending my score down.i have not applied for any credit any where.nor have I gave permission to anyone to do so.
I just recently submitted a dispute to XXXX Credit Bureau on XX/XX/XXXX. They have just notified me on XX/XX/XXXX that the dispute has been updated and the results are to stay the same. National Credit Systems ( a collection agency ) has been negatively reporting on my credit a balance of {$2200.00} since XX/XX/XXXX of XX/XX/XXXX. I have made numerous attempts to remove this false report since then which includes : contacting the realty company that initially sent the debt to National Credit Systems, contacting the collection agency via phone and by mail, and several disputes with my credit bureau. National Credit Systems and the realty company is claiming that I did not provide sufficient notice of my move out date. I have provided sufficient evidence showing that a notice was provided and that all fees were paid prior to move out date, however, this claim keeps getting rejected. Due to this false claim, I was forced to move into second chance leasing where I have encountered several dangerous situations and it is preventing me and my family from being in a safer neighborhood.
Macy 's Credit Card, part of Citi Retail Services, routinely sends statements well past their due date, sometimes not at all. I had a payment due on the XX/XX/XXXX, I just got an email today on the XX/XX/XXXX that my statement was ready. I never received a statement last month, so now I have a late fee I have to call and argue about. 

They purposefully exploit the paperless statement system. I 've had issues in the past where I never received a statement, and had to call and argue with them to remove the late fees etc ... They know about this issue, yet nothing changes. 

This is definitely intentional. It makes zero sense that an electronic statement should be coming a full week after a payment is due or not at all.
Six times since XXXX XXXX, 2016, I have received reports from XXXX that there have been Hard credit inquiries on my credit report that were made without my knowledge or authorization. Each time, I have spent many hours on the telephone with XXXX, Capitol One, XXXX, XXXX, and XXXX. I do not have the energy to fight this any longer. Inquiries that are still on my credit are as follows. 
1. XXXX XXXX, Capitol One Bank USA NA. 
2. XXXX XXXX, Capitol One NA. 
3. XXXX XXXX, Capitol One. 
4. XXXX XXXX, Capitol One. 
5. XXXX XXXX, CBNA. 
6. XXXX XXXX, CBNA. 
There has also been an attempt to open a checking account in my name and with my SSN at XXXX XXXX XXXX a few months back. 
Please help me remove these inquiries from my report with the XXXX credit reporting agencies. None of the XXXX agencies seem to care that these bogus inquiries remain on my report.
XXXX XXXX forclosed on my home XX/XX/XXXX. I believe I was fraudlently foreclosed on. It is impossible for me to owe both XXXX XXXX and Ocwen. My loan was orginally serviced by XXXX XXXX. Ocwen purchased XXXX 's assets back inthe end of XX/XX/XXXX. Ocwen reaches out and states they can assit. I enter the SAM Modification and I was still paid my first 2 trial payments and I was still foreclosed on by XXXX XXXX. The paperwork was robo signed and I was cleary done wrong and my rights in general and due process rights were violated. XXXX XXXX has transfered ownership to their name. I have attatched paperwork and court cases which should assit in my explanation. 

The foreclosre is still being reported negatively on my credit reports. This damages my character many other damages that come with that type of negative reporting.
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency, using their online too I was listed as one of those whose data was compromised. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, and credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XX/XX/XXXXthrough XX/XX/XXXX of this year. The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Equifax Inc. did not inform those affected in a clear and timely manner, nor have they provided clarity or made effort to rectify their problem. They are placing the onus on those affected to right their wrong.
Debtor timely responded to debt collection lawsuit by filing an appropriate Answer and Notice of Appearance. Plaintiff debt collector then filed a Motion for Default twice and denied receiving the Answer, which there was proof of filing, mailing, and proper service.
I requested a copy of the bill back in XX/XX/XXXX that is leaving a negative mark on my credit report. I have not received a copy of the bill.I explain that this could be my son bill which he has his own insurance if not I'm willing to pay off.
There was a fee on my Amazon store account through Synchronicity Bank that should not have been there. They are promoting a 6 month interest free payment plan, however I purchased something outside of that promotion, and then made a payment, they did not apply the credit to the non-promotional balance, thus fees started to incur. I contacted them and I assume the funds have been properly reallocated so I will no longer incur fees while the promotional balance is paid off. However, I believe they are in violation of the law by not applying payments to higher interest purchases first. I just want to make this aware to CFPB so they can remedy any illegal actions by this bank and protect other consumers that might not be aware. Thank you.
I am facing a foreclosure and, despite many attempts, have been unable to speak with anyone at the mortgage servicer who can be helpful in what is a complicated situation - I am a first mortgagor but do n't hold title to the condo, having been foreclosed on by the second mortgagee, who took title.
This debt was actually a mistake on XXXX behalf. I had XXXX internet and they mistakenly charged me for months of usage. I was on the phone with XXXX for over two hours and I was able to take care of the charge and pay a total of {$45.00}. This also came up last year and I disputeted and it was taken of my credit but this has appeared once again and it 's pretty annoying seeing my perfect credit have a derogatory mark. I have never received anything from them either so I have no idea how they received my info and ss.
Someone calling him/herself " XXXX XXXX XXXX '' has contacted me multiple times attempting to collect an alleged debt. I have demanded that " XXXX '' provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that " XXXX '' is authorized to act in loco creditore. " XXXX '' failed to provide all of the information I requested.
I asked XXXX and Trans Union to investigate some accounts on my credit report over 2 weeks ago. Over 45 days have passed, and they have yet to respond.
I first received a letter from Clear Spring Loan Services , Inc. in XXXX of 2017, their letter which is attached was dated XX/XX/2017, and immediately sent them a letter disputing this alleged debt and asking for them to verify it. I received nothing back until just recently, letter dated XX/XX/2017, which clearly shows they totally ignored my letter which they received on XX/XX/2017 and was sent USPS Certified Mail with Return Receipt. I am asking Clear Spring Loan Services , Inc. to either verify this alleged debt or delete this from their records and from my credit report if it was reported. They also have n't proved to have any right to be on my credit report because I know for a fact I 've never contracted with them nor consented them to be able tomake any communication on my credit reports. Clear Spring Loan Services , Inc. is also violating the  FDCPA by continuing collection activity when they can not provide any documentation to prove I owe them anything.
I moved from XXXX in XXXX XXXX and paid all debts off including XXXX XXXX. I began receiving mail and calls from XXXX trying to get over {$400.00} from me claiming I told them to put my account on hold for 9 months. I sent mail and called XXXX to tell them they messed up and I never asked for a " hold '' on my account since I did n't even know where we 'd be living let alone what tv or phone services we 'd need. We used XXXX XXXX while we lived in XXXX from XXXX XXXX to XXXX XXXX and I have a letter proving this fact. I recently found out XXXX sent me to Allied Interstate Collections and it affected my credit score. I 've explained this again to XXXX and the collection office and I 'll be sending the documentation to Allied as well. I WILL NOT BE BULLIED into paying any money I do n't honestly owe. Both XXXX & Allied tried to scare me into paying and I was very clear that I ALWAYS pay what I owe and that I would not pay them a dime. They are thieves.
Hello to whom this may concern, My name is XXXX XXXX and on XXXX XXXX 2015 I received a letter from Bank Of America stating that they were forgiving my second mortgage debt. I ' am currently in the middle of a refinance transaction and am trying to get the forgiven lien from my property title. I have contacted Bank of America several times now trying to additional information for the title company but I have ben told that they might take any where between 30 to 90 days. This effects my current transaction and locked interest rate. If I do not get anything from them soon I might be subjected to new interest rate pricing or not qualify at all. What I would like is for Bank of America to provide me with a letter to satisfy the lien and have it removed from my title. 
Thank you, XXXX XXXX
They have my spouse name listed as XXXX, this is not correct. Also iam listed as living @ XXXX XXXX co. XXXX. Also incorrect. Also XXXX addresses with similar address, XXXX. co. XXXX this address is correct, the other XXXX similar addreses are not.
On XX/XX/XXXX I sent letters to EQUIFAX requesting verification. EQUIFAX continues to break federal laws according to FCRA. EQUIFAX has conducted a improper investigation. Equifax has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Furthermore, Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly DELETE all information which can not be verified. '' I REQUEST THAT ALL UNVERIFIABLE INFORMATION BE PROMPLTLY DELETED.
This a medical bill that my health insurance should have paid and after months of arguing with Insurance company and collection I agreed to settle with the collection agency, I have ask them repeatedly to delete entry from the credit agency and they refuse, I am sick and tired of collection agencies acting like they can ruin peoples life, without any consideration, some consumers are used by the medical/Doctors over billing of insurance companies, and insurance companies under paying and leaving large balances to consumers
This is the XXXX time Citi Cards has closed accounts I 've had with them due to recent inquiries despite the fact that all of my accounts are in good standing and I 've had several of them for well over a XXXX now. I have found them very frustrating to work with trying to get my accounts with them reopened and I want a real solution to this matter or at least having Citi remove the XXXX XXXX, XXXX accounts removed from my credit reports. 

My very XXXX Citi card was a Citi Forward account opened XXXX 2013 and that was used to build my credit. It astounds me that none of that has been taken into consideration with regards to these account closures they 've done on me. I do n't like the deceptive bait and switch tactic of approving me for these accounts and then closing them like this.
I was under bankruptcy and my mortgage was included in the plan. However, I became disable and my financial situation changed. Although my financial situation was different I still struggled and paid under bankruptcy for 5 years. And when I realized that I could not continue, I applied for a loan modification with my mortgage company and my bankruptucy was dismissed. I have now been under modification for 2 years and I was transferred to another servicer. Upon looking at my bankruptcy records, I discovered that the loan modification figures were incorrect, so before being transferred to the new servicer I contacted my then servicer about the deferred fees discrepancy along with my bankruptcy records as proof. However, they told me that they were no longer my servicer and I needed to contact my new servicer, even though this was well in advance of the transfer. Therefore, I tried to contact the new servicer for about three weeks even leaving messages after being transferred to an account manager, but was not able to make contact with them. So I sent a certified letter and then finally someone from the new servicer responded via letter and said they would look into the matter. However, when they did follow up it was a verbal response over the phone. I requested something in writing but I was told there was nothing to send. I was also told that I needed to send cancelled checks showing I had paid what I claimed to have paid which was over {$8000.00}. This is the issue, when the loan modification was first written up by the servicer, they used figures from my bankruptcy records. I filed bankrupcty in XXXX and ended in XXXX. The arrearage and deferred fees they used in preparing the loan modification were the same as when I first begin my banruptcy which was a little over {$11000.00} of which I paid over {$8000.00} as stated above. So instead of subtracting the {$8000.00} and the fees associated with it from the amount owed when preparing the loan modification, it was never done. So according to their records right now I owe over {$12000.00} with growing interest which will be due in full when my 5 years ends. So I will owe my mortgage balance of {$83000.00} plus over {$12000.00} ( whatever the interest will be in three more years ). And as for as my monthly notes, they are {$550.00} ( paying interest only ) and I have never been late since under modification for 2 years. Neither servicer has been fair with me. They are making me pay again, what I have already paid when I was under bankruptcy and attaching interest and fees on top of that. Please note : that while I was under bankruptcy not only was I paying arrearage and fees but I was also paying my ongoing mortgage payments of {$1300.00}. That was the hold point of going under a loan modification.
BANK OF AMERICA seeks to collect a debt that is barred by the California Statute of Limitations. No judgment or debt has been filed or had by BOA against me.
My name is XXXX XXXX. I am a widowed mother whose XXXX husband and myself attended Education Management Corporation 's XXXX University for a short time in 2009. I myself only attended for just under XXXX months, but XXXX claims I was there a year taking classes I have no recollection of attending. A letter I received from XXXX 's Assistant Chancellor for Student Affairs, XXXX XXXX, states in it that they charged me for a class I never attended. It also states that I never attempted to use the tutor service, which is not true, I attempted to many times with no answer. XXXX University, the online division under EDMC specifically, has had a whistle-blower named XXXX XXXX allege job placement fraud, which I can certainly say I was a victim of. Every call I made for help, I was sent to dead-end voicemails that never got answered. When I tried to leave the school, no one was there to help me with the process. My fianc, to whom we have a XXXX month old baby boy, has been making XXXX predatory schools, and we have been harassed and abused by XXXX XXXX and EDMC 's lawyer XXXX XXXX. The Department of Education keeps these schools alive that have defrauded America 's future professionals of the lives ' they deserve. EDMC only cares about money, we students are treated like a hindrance to this goal of theirs. The ED looks the other way and ignores cries for help. I have already sent letters to my Michigan AG, and the Michigan XXXX. XXXX University should never have had a license per XXXX XXXX allegations. While this case is under trial, it makes me wonder how the ED has the right under the 4th amendment to seize my tax refund, and hurt my family tremendously. I am on strike for this fraudulent debt, and if the Government illegally seizes my tax dollars again, everything will be documented. I have proof I 've found that I will send to you, and I also need to follow up and send new information to all the State and Federal Departments I have already sent letters to. Please Help, XXXX XXXX
For the last 20 yrs I have been working on my credit report trying to build it to a XXXX or above unfortunately all methods dont work if I pay a bill or write them regarding the statutes of limiations or pay several bills the credit score wont go no higher than a XXXX
Caller called my place of work and stated they were calling from " Performance '' company and that my daughter gave my name for a reference yet they refused to explain anything except tell me they needed to talk to her. The woman also mentioned another family member and my daughter told me she never used either of us as a reference. The are giving false information ( company name ) and lying about her giving me and another family members information. I am not callow ed to receive personal calls at work.
I dispute XXXX XXXX XXXX is from a XXXX account that was paid in full. I cancelled this policy and went with XXXX XXXX I do not owe XXXX any money
I attempted to contact the bank as the charge they approved was not authorized and they charged me {$230.00}. I would like this resolved asap. This put a major setback in my life and I feel taken advantage of in this situation and by the bank.
I was checking my three credit bureaus reports on XX/XX/2018 and noticed a tradeline unknown to me listed as collections. Company : DIVERSIFIED CONSULTANTS , INC . 
To challenge the reporting and compliance on listed account that is being reported on my credit report with incorrect/missing info. Data that appears on terminal screens to credit bureaus centre and collection agencies operators may have masking dynamically applied based on user security permissions. Not based on consumer reporting.This improper procedure is highly damaging to any consumer. Also I am very litigious in small claims court and forwarding today in contacting DEPARTMENT OF BANKING to investigate DIVERSIFIED CONSULTANTS , INC . for FDCPA, FCPA also FCRA.
Banamex /USA . This company refuses to handle my written responses. I have not communicated through EMAIL pertaining to this matter since reporting it.
On XX/XX/19 someone used my debit card number to spend {$100.00} at XXXX 25min away from where I live. I immediately received a alert limit email notification which I set to be {$75.00}. I reported it to Chase immediately. They issued me the money immediately and told me they would investigate. A couple weeks later I notice that Chase took the money back out from my account. I called and they said they denied my fraud claim and stated I need to provide more evidence. I contacted my local sheriffs department and filed a police report so they can get ahold of video surveillance to prove it wasnt me. The police officer told me to contact Chase and to submit the case number and that they know what to do since they always deal with this stuff. I contact Chase again and now they are telling me to have the Sheriffs department fax the police report to them. I contact the sheriffs department and they stated they usually dont do that type of stuff. Chase is making extremely difficult for me to get my money back and for them to accept fraud claim. I thought I had fraud protection, but its not working for me. I dont feel safe with Chase having all money ( they are my primary checking account and its where all my direct deposits go to ). Luckily it was only {$100.00} but its not the amount of money that matters, its the principal. It will be weeks until I get my money back. Extremely unhappy with how Chase has handled this and how they are making so difficult for me to get my money back. I will be closing my account with them soon once this hopefully all delt with