WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently a XXXX student at The XXXX University XXXX. After losing my job in XXXX, I defaulted on XXXX private student loans because neither of the lenders would work out any type of arrangement with me in the way that my federal loan lender did. ( The loans pertained to my previous education at the University XXXX and the University XXXX. ) After enrolling in the XXXX program, I began working with our student XXXX office on campus to see if they could help me settle this private student debt because it had ruined my formerly XXXX credit. The private loans had been sold a few times, and I was having trouble even tracking down the owner of the loans. With a lot of assistance of a lawyer at XXXX State, we were able to track down and settle XXXX the loans in XXXX XXXX even though the lenders never did produce proof of debt. XXXX Student Loans, one original lender, was still holding one of the loans and dutifully updated my credit report once the loan was settled. However, the other loan had changed hands many times from XXXX to XXXX ( and perhaps other companies XXXX and was finally settled with Weltman, Weinberg XXXX & Reis, a law firm XXXX. My lawyer specifically requested proof from Weltman of the firm 's authority to settle the debt in full as well as full account details, but Weltman never did provide full account details. Weltman failed to update my credit reports, so my lawyer contacted the firm again in writing in XXXX XXXX to prompt them to update my credit report. I have just recently checked my credit reports again, and I have found that XXXX is showing a credit item owed not only to Weltman but also to XXXX. XXXX This is in fact the same loan, as verified by my lawyer and by me. ) XXXX shows XXXX accounts in collection XXXX WeltmanXXXX and XXXX XXXX XXXX XXXX, but here again, this is all the same exact loan. And, as I explained above, I settled this loan with Weltman in XXXX XXXX. As best I can tell, my XXXX credit report does not have a problem. I have notified the lawyer at XXXX State about this ongoing problem, but she has not had any luck resolving the issue as yet. It 's maddening how difficult it can be not only to track down the loans but to settle them and then move ahead with rebuilding one 's finances, and we students XXXX or former students ) are left completely powerless in this whole process. There is no way I would have been able to get anywhere close to settling these loans without a lawyer 's assistance, and even with a lawyer, I 'm still unable to get Weltman to update my credit reports accordingly. Weltman and others were more than happy to constantly report negative items on my credit reports and call me incessantly at all hours for years on end - and even through terrible times like the prolonged illness and death of my mother - but then they refused to do their part and take the one final step to update my credit report once I have settled the loan with them. There appears to be very little accountability for the loan holders.
I have a delinquent account. I have made previous arrangements to pay the balance. The first payment cleared in XXXX, XXXX. I set up subsequent auto payments in the amount of XXXX for 5 months. I have the confirmations. They continue to call and continue to give me wrong information for transactions I did not authorize. They are calling to the point where I am being harassed. They have the payments set up, I do not understand why they continue to call or why they have the information wrong when they call me.
XXXX XXXX XXXX keeps calling me for a debt I do not owe them.
Despite multiple requests, the unverified item with XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you 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 you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I paid off the loan and the bank continued to take the money out of my account there fore making me overdraft my account and then they charge me an overdraft fee. This has benn happening for  over one year an d I am owe more money for over draft fee than they are will to provide.
the company name XXXX XXXX XXXX calling themselves the debt collector for my XXXX accounts calls me 3 times a day in my cell number, my girlfriends number and my work place number. I requested them not to call as i am having financial hardship and national debt relief is working on my behalf to help me debt free. but the person named XXXX won't listen. I told him i can not pay {$8700.00} and something they are asking all at once. he is just forcing me that its a one time deal and you dont get to pay this again. i told him the calls are disturbing me, its harassing me and making me depressed but he wont listen. the company and person named sudhirs calls me 3 times a day in 3 phone numbers which is 9 times everyday for straight 7 days. I would like to request them to stop harassment as i am already facing hardship and can barely manage to pay monthly to my debt relief program i am enrolled in. If the harassment wont stop, i will like to file a lawsuit against the company for XXXX, XXXX  and threat.
XXXX XXXX no number to reach. Paying XXXX for i dont know why
I have XXXX via the state of Georgia on my TransUnion credit report. I have attached documents that provide proof that the following should be deleted from my report.
My name is listed as a guarantor on a XXXX line of credit opened by my ex husband XX/XX/XXXX with Bank of America. I found out about this last XX/XX/XXXX when I received an email about ordering checks, which I did not. Since then I have spoken to over 20 BOA employees, faxed them my divorce decree and visited several banking centers. I have spent hours during the past several months talking with various employees, getting no where. I have been told that if my ex fails to pay on his loan, they are coming after me! My ex and I have been divorced since XX/XX/XXXX, and I have NOTHING to do with his business, yet BOA has somehow included my name on his line of credit for his current business. I never signed any paperwork, nor did BOA verify me, or contact me, but yet they have me listed as a guarantor on my ex 's XXXX credit line. I filed a fraud report XX/XX/XXXX worked with a XXXX, for several months. She told me in XX/XX/XXXX that she removed my name and social from one account number ending in XXXX.But she told me my name is still listed on the account ending in XXXX and she can not help me.When I visited a local BOA banking center, my name is STILL listed on at least 2 accounts involving my ex and his business line. My ex has called several BOA employees and has gotten the same run around.There seems to be several account numbers linked. We believe that BOA pulled up information from 20 years ago when we were married, and never verified current information. We had credit cards for this business 20 years ago in both our names.My ex and myself have asked BOA to remove my name from ALL accounts associated with my ex and his business. My ex wrote a letter to BOA XX/XX/XXXX,  which I signed, requesting to remove my name from any and all accounts associated with him and his business. NO ONE has been able to process this request, and they refuse to put anything in writing. I am asking for help on this matter as no one from BOA seems able or competent to solve this problem. BOA has failed to perform due diligence to verify the accuracy of guarantors for a XXXX credit line and instead has used information that is no longer accurate.
I owed XXXX XXXX a {$3200.00} balance, in XXXX I negotiated with Diversified Adjustment Service, INC ( DASI ) the collection company for {$2100.00} to settle the debt. My bank XXXX   XXXX XXXX prepared the Bank Check and sent it to them with my Account # on it. Approx 3 weeks later, my credit union received the check back with the attached letter. The letter stated that they are no longer handling the account, send payments to " XXXX '' ... and listed the address. My bank did exactly that ( attached is the " new '' check and that same check after cashing ). After a few weeks I noticed that I received no notification that this was paid, so I called XXXX. I advised them that a check was sent to them, deposited, but my debt is still outstanding. They advised me that they never received a check!! As I stated, my account was for XXXX XXXX not XXXX. I advised them of the letter that they wrote to my bank, and that the check was cashed. They are stating to me that the check was sent back and the money put back into my bank account because the check was made out to XXXX, not XXXX. I then told them that " You are the company that told my bank to do that. '' and sent them the letter. I spoke to my banker she followed the direction of the letter, possibly thinking I made a mistake of the carrier 's name. I called my bank, the money was not deposited back into my account, the check was cashed and the money is gone. They attempted to have me pay them {$1500.00} now to settle. " I said no, you have {$2100.00} of my money, I'm not giving you more '' ... They said to me that they never received any check, and when I mentioned the letter again, they said " It could be  another Diversified '' ... I asked with the same account number? I apologize for the " ramble '' What I am attaching with this is the email from them stating that they will settle for {$2100.00}, the letter that they sent my bank along with the check for my XXXX account saying they are not handling the account, an email from my bank to me, a copy of the bank check before and after being deposited my DASI.. I hope something could be done, I would like to be able to find this money and get it back so I can talk to XXXX and take care of this. Diversified cashed that check and the money is somewhere. Please let me know what I can do to help .. Phone : XXXX email XXXX XXXX
XXXX XXXX and myself have been disputing and notifying Equifax of FRAUDULENT activity regarding a hard inquiry by XXXX XXXX on my Equifax credit report via US Ceritifed Mail and electronically to no avail. I am continually receiving generic responses in both electronic and US Mail essentially refusing to remove the hard inquiry or recognize the fact that I'm stating it as fraudulent activity. 

The following are the dates I submitted complaints concerning this matter via US Certified Mail ; XX/XX/XXXX and XX/XX/XXXX. In these communications I have also included responses from XXXX XXXX  recognizing the fraud and their diligent efforts to have the hard inquiry removed from my Equifax credit file. The responses from XXXX XXXX were sent via US Mail on XX/XX/XXXX and XX/XX/XXXX and transmitted to Equifax by XXXX XXXX  in addition to the copies I mailed to them. 

The following are the dates I submitted complaints concerning this matter via electronically on Equifax 's website : XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. Again, I am receiving the EXACT identical generic responses to my concerns. 

It should be noted that XXXX and XXXX immediately removed this hard inquiry once XXXX XXXX notified them of the fraud. 

( Please Note that I am including all of the aforementioned communications in this complaint with the CFPB )
I have an Auto Loan with Consumer Portfolio Services that commenced in XX/XX/2015. The balance was {$22000.00} when it commenced and my APR is 14.99 %. My monthly payments are {$470.00}. I made a {$470.00} payment XXXX/XXXX/15 for the XXXX XXXX due date, a {$470.00} payment on XXXX/XXXX/15 for XXXX XXXX due date. I then had a bump in the road and CPS agreed to give me an extension. Next payment not due until XXXX XXXX. Since then I 've made my payment of {$470.00} on XXXX/XXXX/15 and {$470.00} on XXXX/XXXX/15. They are claiming that my balance is still {$21000.00}. I know my APR is high but I 've done the math and they are showing an incorrect loan balance and wo n't fix it. I would like to know what can be done. Also they funded this contract before my Chapter XXXX BK discharge on XXXX/XXXX/2015. Can I just give the car back and tell them to pack sand?!
On XX/XX/2019, I made a payment of {$320.00} on my credit card account. My credit limit is {$750.00}, and my balance is showing {$400.00} ; however, my credit limit is showing {$22.00}. I checked my account to see what was going on and I sent an email to see what was going on but never received a response. I contacted Capital One via telephone on XX/XX/2019 and was told that Capital One is holding the funds. Capital One has never held funds to my account in the past. Capital One has taken the funds from my bank account as of XX/XX/2019. Capital One has not notified me to explain why they have chosen to hold a payment in such a manner. This practice of holding funds for no reason is a shady practice. I far exceeded the minimum payment in an effort to get my credit balances down and Capital One is holding the funds, for what purpose? On my credit bureau accounts, it looks as though I am still using more of my credit than I am because it lists available credit. Capital One manages XXXX XXXX and it also fails to reflect the accurate information for my Capital One accounts.
As of XXXX, 2017 Receivables Performance has been reporting a collection on my credit report for an undisclosed amount. I do not know the origin of the account or why it exists. The amount listed on my report is left blank. I have attempted to contact said agency to no avail. Again, They are reporting a collection. I do not know it's origin. And, the amount on the report(s) is  [or XXXX dollars].
I opened this account on XX/XX/XXXX with the expectation of receiving a {$200.00} new account bonus.

The requirements were : -You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

-Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

-The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

On XX/XX/XXXX I received an direct deposit from my employer in my BBVA account in the amount of {$300.00} meeting the terms of this new account bonus. It has now been many more than 60 days, but my new account bonus has not posted.
There are 3 Hard inquires happened with out my consent. Seems, someone got my SSN details and misusing that in past 2 months. I reported this incident into police station in my area and they asked me to work with credit bureaus and banks to resolve this issue.

I reported all credit bureaus and placed the freeze on my credit report. 

I reached out to XXXX and XXXX XXXX to dispute the hard inquiries. I am working with XXXX XXXX to remove hard inquiry entry. 

Please help me on preventing my SSN details from mis-use and advice banks to implement better security procedure and verification procedure. None of those transaction happened without my consent.
CommentDEAR SIRS, I APPLIED FOR A " HARP '' LOAN THROUGH GREEN TREE LENDING IN XXXX XXXX. THE LOAN " MODIFICATION '' WAS APPROVED ON XXXX XXXX, XXXX. WE WERE NOTIFIED BY GREEN TREE ( GT ) THAT A TRIAL PAYMENT PLAN WOULD COMMENCE FIRST AND THEN OUR LOAN DOCUMENTS WOULD BE SENT TO US VIA CERTIFIED MAIL. 3 MONTHS LATER ON XXXX XXXX, XXXX WE BEGAN THE XXXX " TRIAL '' PAYMENTS WHICH WERE IN THE AMOUNT OF APPROX {$470.00}. THOSE PAYMENTS WERE MADE WITHOUT ISSUE. WE THEN RECEIVED THE LOAN DOCUMENTS ON XXXX XXXX. THE LOAN DOCUMENTS LISTED OUR REPAYMENT PLAN AT $ XXXX/MONTH. I DO NOT KNOW HOW OR WHY THIS BIZARRE AMOUNT WAS CHOSEN SINCE THE LOAN WAS FOR {$22000.00} APPROX. ON A XXXX MORTGAGE. SO THIS WAS A 40 YR LOAN. WHICH I HAD NEVER HERD OF IN HOME LOANS. WE SIGNED THE LOAN AND STARTED TO MAKE PAYMENTS REGULARLY EVERY BEGINNING OF THE MONTH ON TIME. THEN THREE MONTHS LATER IN XXXX XXXX I RECEIVED A TELEPHONE CALL STATING I WAS DELINQUENT IN A PAYMENTS. I SAID HOW CAN THIS BE WE " JUST '' STARTED THE NEW LOAN! THE PERSON ON THE OTHER END DID NOT KNOW ANY DETAILS OTHER THAN WE WERE {$1200.00} BEHIND ALREADY. I PROMPTLY WROTE GREEN TREE A LETTER TO EXPLAIN THIS ( XXXX OF XXXX LETTERS ). GREEN TREE FINALLY REPLIED ON XXXX XXXX, XXXX. IN THE MEANTIME I HAD WRITTEN GREEN TREE EVERY MONTH A COMPREHENSIVE BUSINESS LETTER FOR THEM TO OUTLINE OUR PAYMENTS/PAYMENT PLAN/HOW MUCH WE FINANCED/WHAT INTEREST RATE/AND COULD WE WE RECEIVE A WRITTEN NOTICE OF OUR MONTHLY DUE IN A PAYMENT COUPON BOOK. NONE OF THAT INFORMATION HAS EVER BEEN SENT TO US! TO THIS DATE ALL I HAVE RECEIVED IS NONE OF THE PERTINENT DATA REQUIRED BY LAW ON MY LOAN. ALSO GREEN TREE REFUSES TO ACT IN GOOD FAITH AS A RESPONSIBLE LENDER TO PROVIDE ANYTHING BUT MONTHLY ANNOYING PHONE CALLS THAT ASK ME WHETHER I AM GOING TO LIVE IN MY HOME, WHAT IS MY NAME, MY ADDRESS, HOW LONG HAVE I LIVED THERE? EVERY MONTH! NON STOP ALL THE TIME. I HAVE FINANCED XXXX HOMES BEFORE AND HAVE NEVER GONE THROUGH WHAT GREEN TREE DOES WHICH IS TELEPHONE BADGERING ASKING RHETORICAL QUESTIONS THAT HAVE NO VALID REASON EXCEPT TO INCITE A PERSON 'S TOLERANCE. I EVEN HAD TO HIRE A THIRD PARTY TO FORCE GREEN TREE TO REFINANCE THE LOAN AND PAY THIS THIRD PARTY {$3600.00}! AT THE TIME I HAD LESS THAN A YEAR ON THE LOAN A BIWEEKLY PAYMENT PLAN. I WAS A XXXX WITH XXXX AND BECAME XXXX AND CALLED GREEN TREE TO TELL THEM COULD I MODIFY MY LOAN? THEY SAID NO THAT THE LOAN WAS TO MATURE OR DUE. THIS IS THE WORST COMPANY EVER. THE WORK ON FEAR AND BY BADGERING THE CUSTOMER FOR MONIES. YET THERE IS NO ACCOUNTABILITY FOR THEIR TOTAL LACK OF PUBLIC TRUST AS A LENDER. PLEASE HELP ME
Misreporting of status of status of account on XXXX separate occasions as past due by at least XXXX days. My account with this XXXX has never been past due.
Dear Sir/Ma'am, - XXXX 2014 we entered into the modification process with XXXX Mortgage and we were suddenly stop mid process and instructed to start the process fresh again with Ocwen. Over the years with XXXX we encountered endless loops of miscommunication and misinformation. This was very welcomed hopeful news to start a process with Ocwen but a personal setback to continue in this agony for my family. We were very hopeful concerning Ocwen and hope that this is was the answer to our hope and prayers to help keep us in the home we love with my wonderful family in need of financial relief. We endured 6 months of endless paper requests fulfilling every wish and need of Ocwen Loan Servicing XXXX # XXXX. 
- a few years back an unfortunate embarrassing event brought on by the demise of the housing investment market subsequently found ourselves in bankruptcy and we were struggling to remain strong as a family but we compiled our dignity back and have moved forward. As a result our marriage suffered but we struggled to rebuild our lives. I am a XXXX veteran. I have proudly put our children and family first and I have stayed employed at multiple XXXX jobs to allow our children to remain in our home we love. 
We were declined after an exhausting process due to having been through bankruptcy a few years back. Which we had respectfully pulled our family through and now face the next step which is our primary home we have been living in. This was a fact Ocwen new entering into the process and continued the process for 6 agonizing months to dismiss us suddenly based on us having been through bankruptcy. A plan that has been in place and following for over 3 years. They were well aware of this and we have the financial means now to continue with a modification.
Security Finance in XXXX Al .. I have a loan with them.. I have had the loan for almost 3 years. They have changed management a couple of times during this 3 years. They have a manager there that is awful. She calls my cell phone 6 times a day.. She will call my cell phone hang up and call my work place. She call both location about the same amount of time. On XX/XX/XXXX was my breaking point with this company. I had originally told them I would be in on XX/XX/XXXX, I never gave a specific time as to what time I would arrive. I know their business ours are from XXXX-XXXX XXXX   on Friday. I work almost those same hours. I am going to provide you the times.. Please also be advised I was not working on Friday, I had taking a vacation day. I was out handle family matter with my daughter. 

1st call to my cell phone was XXXX XXXX. 
2nd call to my cell phone was XXXX XXXX 3rd call to my cell phone was XXXX XXXX 4th call to my cell phone was XXXX XXXX 4th call to my cell phone was XXXX XXXX  5th call to my cell was XXXX XXXX 1st call to my office phone was XXXX XXXX 2nd call was XXXX XXXX  3rd call was XXXX XXXX  There were other calls made through out that day, This is the only times that showed up with a log time.. They also, have 2 numbers XXXX, or a XXXX that is registered to XXXX XXXX.. I feel like they are harassing me.. When the lady kept calling for me at my job. She was rude and demanding my cell phone number for my co workers. Due to the line of business we work in she is not allowed to give out any of my personal information. Around XXXX I asked one of my friends if she could swing by and pay Security Finance for me because they kept blowing my phone up, and calling my office a lot demanding my phone number. She did go over to pay Security Finance for me. However, when she arrived she paid and the first lady that she walked up to stated OK that she would mail the receipt to me. Then the manager of the store starting yelling at her and told her to wait a minute. She told her to tell me that I needed to handle my own business and she will not be taking any 3rd party payments from me again. My friend said she did not know what to think, so she called back and asked for the District Managers phone number, and she wanted to know who she was and why she wanted the number. She advised her because she was a customer that was just in there and she was rude and she wanted to speak with someone else. The manager told her she was not her customers and she would not give her the number. She advised she told her that's fine that she could just give them her number. She advised she would not do that either, My friend told that she was going to speak with her sup visor regardless of her help. She than started apologizing. 

I will be up front with you I get paid twice a month so sometimes they have to wait until I get paid in order to pay them, so it is not always on time. In the contract I do have a 10 day grace period to make my payments. My payments are never more than 15 days late.