WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I filed bankruptcy on XX/XX/XXXX and reaffirmed our XXXX XXXX XXXX that was financed with XXXX XXXX XXXX XXXX. We continued making our payments as agreed and were never late during the entire duration of the loan. I paid XX/XX/XXXX payment on XX/XX/XXXX and then we traded the car in on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported to Transunion that we were 120-149 days late and as of today XX/XX/XXXX the account is still opened and showing derogatory. I contacted them in XX/XX/XXXX to have this resolved and sent in all 12 months of my Checking account statements as requested and they refused to remove it from my credit report, causing me to have a low credit score and difficulties with financing. I have also disputed this with Transunion and it continues to be on my report as of today XX/XX/XXXX. XXXX XXXX XXXX XXXX continues to tell us that we were late in XX/XX/XXXX ( Pmt made on XX/XX/XXXX ) and I also made XXXX pmt on XX/XX/XXXX. I have all of my bank statements where every pmt was debited from my checking account and all of the loan coupons with confirmation numbers on them due to paying them either online or over the phone. I really need this resolved as it is preventing me from financing a home. Please help.
My XXXX loans given to be while attending XXXX XX/XX/XXXX, were converted to loans because the XXXX I ended up working for was not low-income ; even though, this is ridiculous because teaching in math is a difficult task in itself. That was problem number one. Problem # 2 - Then years later, my other loans from XXXX were taken by XXXX XXXX and then passed on to XXXX. This past year when I applied for the Teacher Loan Forgiveness, my loans from Navient got sent to FedLoan and since then ( XX/XX/XXXX ) I have been dealing with XXXX. To begin with, my account showed 'delinquent ' for an issue that was FedLoan 's for not applying my payments correctly. Currently, after trying to consolidate, my payment is high because the paperwork I submit is never correct, but no one ever calls or sends email to let me know what the problem is even though I always call to make sure I am submitting the proper paperwork. It seems as though all the people working for FedLoan have different information and there is no office where I can personally talk to someone. I just keep having to call an obscene amount of times talking to different people to give me different answers to my problem. This consolidation is XXXX too since once I consolidate that is when the 120 payments will start counting towards the Teacher Loan Forgiveness even though I have been paying now for 8 years and I am near the end of my 120 payment. I think that it is ridiculous how difficult it is to teach ( especially math in any school ), and how it is so difficult to have part of these loans forgiven after giving back to the community by teaching kids. The school rates are ridiculously high and all the hoops that one has to go through just makes it seems as though it is nearly impossible to have Loans forgiven after 10 years. There is something really wrong with the system. It 's like being punished for going to school. Now I see how people see going to school : as a way to be in debt for life and feel like one just works to pay off loans for getting an education. I am so tired of paying these ridiculous amounts in which my debt never seems to come down since it all goes to interest. I hope more people feel the same so there is a way to change this ridiculous system.
We had a loan with another bank and had no issues for two years, XXXX XXXX XXXX bought out the bank. Never received any paperwork or any phone calls about the changeover. The first bank ( original bank ) took out a payment on the XX/XX/XXXX of the month and XXXX XXXX XXXX cashed a check and also took out payment through automatic withdrawal. Called the first bank and they apologized and overnighted a check for the mistake. Called XXXX XXXX about the double payment and stated it was a mistake as they were only supposed to cash the check and not do a automatic withdrawal. Only reason we sent them a check was we did not want our payment history disturbed. We pall all of our bills on time and there payment is due the first of the month. The said they would just credit our account for the double payment. I said no, I would like a refund immediately. The rep was kind of nasty and said we would have to fill out a 5 page request and said a letter head from our bank and it could be up to 4 weeks to take place. I decided to go to my bank to dispute the charge and they within 3 days had our charge back in out account. XXXX XXXX then at the leisure decides to withdrawal XXXX 's payment and add a return check fee for there original mistake. Called XXXX XXXX XXXX and asked them why they charged me a return check fee for there mistake and they replied that they had made a mistake and would look into returning the fee. Explained that the agreed amount each month is the legal amount they can take and not what ever they feel necessary. So again I went to my bank and disputed the return check fee. The reversed the charge in 2 business days. XXXX XXXX XXXX wants to now charge me two return check fees. I get a call from a rep and she states I now need to pay a payment but over the phone as she states, the bank will no longer do automatic withdrawal. I replied that's fine as I do not want them having access to my account. I stated I will request a paper statement each month and I will send them a check. The rep stated they will not accept our check, I'm floored, They make the mistake and refuse anything other than a pay by credit card payment. I have called in several times and they continue to say upper management is looking into the two return check fee 's that were clearly stated that they would remove them. Now every time I call in they saw ooh you have outstanding fees with us. Then to top it off they charge me XXXX to process my payment by card, well you don't give me any options to pay other then by card. I still to this day have not received any mailings showing there lending practices or there fee 's in regards to our loan with them. I have even tried setting up a electronic payment on there website and it has me locked out from that. I ask them why and they say I do not qualify for that payment option. This bank is horrific and has the worst customer service.
This all started back in XXXX 2014. A collection agency, XXXX XXXX XXXX, reported to XXXX and claimed I owed XXXX from XXXX. I have not had XXXX service in several years. To ensure, I contacted XXXX and verified my acct was closed in good standing and was never sent to collections. They also confirmed my information was not used to open any accounts after my account was closed, which would theoretically rule out identity theft. I submit a dispute with XXXX and it gets removed almost immediately. Great! 

XXXX months later, I got to apply for something and get denied. Check credit report and a new collection agency by the name of XXXX has this so called debt now. I submit another dispute with TransUnion and after they went through their investigative process, they removed it as well because the Collection agency could not verify the debt. 

During the investigation, XXXX could not verify the debt and sold of the debt to a new collection agency, AFNI INC. That new collection agency is now looking to collect on this false debt. I am sure after I submit letter of verification, they will attempt to sell it off again. 

My concern is that I will be in this loop for ever. XXXX claims they can not do anything because every time it is sold to a new Collection agency, the acct numbers change. 

Is there anything I can do?
On XX/XX/XXXX at XXXX XXXX  EST, I received a call from a company called Unifan ( sp ) claiming they called on behalf of XXXX XXXX in regards to a debt that they obtained from XXXX XXXX XXXX. I informed the gentlemen that I had not received any communication from either his company nor XXXX XXXX and that I was formally requesting information regarding this alleged debt from them. I had not received any communication from either company prior to that date and I requested validation of the account via the phone. The guy refused to provide me with information regarding this debt via the mail and kept saying, " we will email you '' and " this is already in collection '' and " we don't use mail ''. I have a legal right to request communication regarding alleged debts to be mailed to me via the United States Postal Services, and this company refused my right to this request. When I informed him that I was recording the call ( Georiga is a one-party consent state where I can give consent to record a call without prior notice ) he hung up on me. This is a direct violation of my right to request information in writing from a debt collector on an alleged debt. 

XXXX XXXX is now reporting this debt on my credit report, and the company they hired to collect this debt violated my rights. This account must be removed due to a violation of my consumer protection rights. 

I have an audio recording of this phone call, as does Unifin since they record all calls, so there is audio proof of this company 's refusal to honor my rights as a consumer.
I had submitted complaint ID  XXXX  and this has since been closed. However, the matter has not been resolved. I sent the attached letter to  Synchrony  on    XXXX   XXXX     2017  and have not yet received a response. I have also not received the {$100.00} in return that I overpaid on my account.
After checking my credit report, I see a listing from XXXXCHASE. I disputed the claim.This is not my account and never was. I then sent a verification and validation to chase about the loan. I got no response. I then recently disputed it again with XXXX It came back updated with a new last reported date of XXXX. It says the last payment was made on XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX and American Education Services ask for XXXX payment for multiple student loans. I missed a few payments in the past, but they reported to my collection agency that I missed a payment on every single government loan. If they ask for XXXX payment per month, it should only report to credit bureaus that you missed XXXX payment, not multiple. Though all of my students loans are paid to date, this is killing my credit score and preventing me from obtaining a mortgage. This has happened to thousands people and their credit scores and it needs to be addressed.
I get  XXXX  students loans showing on my credit report who actually getting paid by my mom monthly. The company just now reopen my debt and doing a garnishment on my paid stubs bi-weekly. I do not own a student loan the debt is under my mom credit report.
I just received an email last week and updated, or thought was an update on a account that said a payment didnt go through, okay I was thinking what the heck. I pay my bill every week! I answered that email with the payment issue that I was thinking what in the heck are you even talking about. I thought it was fixed then get another email today saying their was a problem with my account. Once again what in the world are you talking about. Well the guy says I have {$180.00} in return fees. Okay, wait a minute WHAT? I come to find out the card you are all running is a card that had to be reissued by the bank due to a fraudulent charge back at the XX/XX/XXXX. Okay, I was told I had been called about it. Well I personally didnt get any phone calls as its hard for me to answer my phone, so no voicemails either. The next form of communication is mail not email, but mail for which I never received anything and I responded to both emails. Thinking everything was still right. You all charged me {$180.00} in chargeback fees for a card that wasnt even working, because fraudulent behavior on the account. I never noticed it not coming out because I have quiet a few transactions. I asked about this chargeback fees and said do you take my payments out on a Friday he said yes and I said there is no way thats when my husband gets paid and their is ALWAYS money in the bank even if not on a Friday. Mail, you couldnt have sent me something by mail, for which you did not. {$180.00} in fees on a card that was no longer working. You could have sent me a piece of mail yeah never did and I responded to the two emails. I paid my {$160.00} odd dollars to catch up and also that {$180.00} fee. You did them offer me pay out at {$500.00} the actual merchandise was barely {$250.00} not counting what you had already collected with the right account information and I also put money down. This is shady, very shady! I dont have a choice but to warn others, even the XXXX. I cant notify you if I dont know whats going on. No mail and two emails I did answer. UNACCEPTABLE, because I do not run my finances like this.
I had opened Citibank Savings account under a promotion which gave {$350.00} if I deposited more than {$25000.00} between XX/XX/2016 and XX/XX/2016 and kept the money till XX/XX/2016. I fulfilled the requirement and was waiting for the bonus to arrive. 
I also verified with the customer service agent at Citi that I qualified for the offer and they confirmed it saying I should receive it within 90 days of completing all the requirement. 

However, I got another message from Citibank saying that I will not be receiving the bonus as I do not qualify. I have attached the offer terms which I signed up for and the chat with Citi agent confirming my qualification
XX/XX/XXXX i got a car loan through Lobel Financial in XXXX XXXX California. In order for me to drive off the car lot, I had to obtain and show proof of full coverage auto insurance which we maintained while having the car. We moved to XXXX XXXX NV in XX/XX/XXXX. In XX/XX/XXXX they repossessed my car. They told me that I owed {$240.00} for extra fees for not maintaining insurance. We had brought our account current and were only missing the $ XXXX that I refused to pay because we in fact had full coverage the entire time. They repossessed the car unfairly. When I called them the same day it was repossessed I was told that they had to re-evaluate my account and let me know how much to pay to get the car. They did not reach out to me for 3 weeks and said that i needed to pay {$1100.00} + the repo fees and the storage fees. I could not afford that. They continue to increase the amount owed by at least {$300.00} every month on my credit. My car should have NEVER been repossessed. PLEASE HELP, I am working on my credit and trying to just have it removed.
My first stop was the Federal Trade Commission website to find out how OPT OUT of Prescreened Credit Offers. 

I found a link to XXXX which is apparently run by the major credit bureaus. 

After two days [ XX/XX/XXXX-XX/XX/2018 ] and numerous attempts to OPT OUT, I believe this site is intentionally defective and designed to not process valid consumer requests. 

I have filled out the form dozens of times including the CAPCHA and get the same two errors every time. The screen shot is attached.

Must Use Valid Format on the ZIP Code field.

Must Use Valid Format on the State field. 

I have tried both XXXX and XXXX to no avail. 

The State information is a pull-down list, the website fills out that field incorrectly on its own. There is nothing I could possibly do to fix it. This incompetence or another dirty trick from the Credit industry. 

I believe this form was intentionally designed to prevent consumers from protecting themselves from unwanted credit offers.
On XX/XX/XXXX my friend called me upset because a lawyer called her saying they were sending deputies to her place of business to serve me with papers for a lawsuit. She informed them that I did not work there and was not there but the woman continued to be mean and told her to give me a message which was her phone number and a case number. 

I called the number to XXXX XXXX XXXX XXXX and was told by XXXX that it was regarding a credit card from XXXX. The woman claimed the card had a {$500.00} limit and I owed the bank {$700.00}. She went on to say I was being sued for over {$4000.00} ( she said the extra {$3000.00} was for court fees ) and a wage garnishment would be starting. I told her I had no idea what this debt was and asked why hadn't I been contacted before. I also asked why they called my friend 's store looking for me. I have lived at the same address for seven years and have received no mail whatsoever regarding this matter. I've had the same cell phone number for 15 years. The woman claimed the business was listed as my employer at the XXXX County Clerk 's office. After hanging up I contacted the clerks office and was told they don't have that type of information. 

After going back and forth about me having no idea what this debt is about, I was told to ask for a chain of title from the bank that issued the card. I called Matrix the bank and was told they didn't have any information before XX/XX/XXXX and was told to contact United Debt Holdings where I was told to contact XXXX XXXX XXXX where no one answers the phone. I have left several messages. The recording says someone will contact you within 24 to 48 hours but its almost two weeks since my first call. 

I just want proof of this debt and I want this lawyer 's office to stop calling my friend. I also find it odd that this debt isn't on my credit report and just surfaced out of nowhere. XXXX has very bad ratings online and I can see why.
I checked my credit report today to find a negative credit on there in the amount of XXXX issued by recovery one debt collector. The following address is what is on my credit report. XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX. After calling the company to find out it was in debt to a XXXX XXXX XXXX, I asked how the debt was issued on my credit report since it belonged to a corporation that I worked for. 

I was then tranfered to a XXXX who i'm assuming is a manager, when I asked him about it, how it got on my credit report and also if he was showing a personal guarantee, he told me he could not share any paper work with me and that i would have to contact the company. I told him that they issued this against my credit report and I would like an answer if he had the paperwork to prove that I personally owed the money. I was then hung up on. 

Not sure how I am suppose to handle this when fraudulent activities are put against my credit report and the company holding the debt can not provide paperwork. 

Thank you for your time.
I would like to report inaccurate late reporting information on my vehicle loan through Nissan Motor Acceptance Corporation. My account should not reflect any late payments.
In the course of my 11 years having a mortgage with Bank of America, the bank has looked for every way under the sun to continue to unfairly collect escrow payments for my homeowners and flood insurance. Over 2 years ago, I requested that taxes and insurance be removed from escrow, and XX/XX/XXXX, for the first time, I was able to directly pay my homeowners premium, flood insurance premium, and taxes. XX/XX/XXXX, I received a bill from XXXX for my XXXX FEMA flood certificate, which I, directly, paid in full on XX/XX/XXXX, renewing my coverage a full month before it was due to expire on XX/XX/XXXX. One week later, BofA called my insurance agent stating that I had a gap in flood coverage and they needed proof of insurance. My agent sent proof of insurance twice. Note that at the time of their query, my XX/XX/XXXX policy was STILL in effect, and I had already paid my XX/XX/XXXX renewal premium. On XX/XX/XXXX, XXXX issued me a refund check for the cost of the premium I paid, stating it was a duplicate payment. BofA did not notify me that they had sought & paid for coverage from XXXX on my behalf, nor did they inform me how much coverage was purchased, nor at what price. BofA later issued a letter to me stating that I now owe an additional {$210.00} per month escrow to cover the cost of the Foremost coverage. The coverage I directly purchased cost only {$1300.00} in total, or about {$110.00} per month. The letter still did not explain to me the details of the coverage BofA purchased on my behalf. 
Over the course of 3 years, I have now twice been wrongly charged for insurace gaps BofA claimed I had in coverage. In the first occurrence XX/XX/XXXX, I refused to pay the additional escrow until the dispute was settled. BofA collections began to call me - a 10 year customer at the time, with not one single late payment on my record - and aggressively threaten to ruin my credit over a dispute of less than {$100.00}. This most recent occurrence is the most deceptive attempt to retain my money in escrow for their use. I have worked with at least XXXX other mortgage providers in the last 17 years of home and investment property ownership, and BofA is the only one to have employed such blatantly deceptive and aggressive tactics to take more of my money for their use.
Dear XXXX XXXX XXXX/Neltnet I recently viewed my credit report and noticed errors on my credit report. I 've contacted you notifying you about some fraudulent student loan accounts open without my authorization, consent. I 've sent you certified mail letters, a police report, documents verifying that it was all fraud but you fail to send me any documents bearing my signature and it 's been past 120 days and going on 6 months. You 've contacted the credit bureau notifying them that these accounts belong to me. I 've called several times speaking to customer service reps and making them aware of this situation but I have n't received any fraud packets in the mail. I was lied to and given the run around. It is ridiculous. I 'm accused of these accounts and I 've never been a member of any colleges or signed any student loan documents. I am a victim of identity theft, and have been a victim for some time and several times throughout my life and it 's not a great feeling. I refuse to be accountable for someone 's wrong doing and this will be my final letter before any legal actions are taken against you and the credit bureaus for posting false information on my credit file. No ongoing reporting from month to month shall be posted on my credit because these are fraudulent accounts I am not aware of these accounts. I will have my lawyer investigate any documents, if for any reasons I suspect that a signature was forged by someone impersonating to be me, I will be seeking a lawsuit against any institutions, credit bureaus, and XXXX XXXX XXXX/Nelnet as well. I am now giving 5-10 days total. I am not sending any documents I 've sent in the past because I 'm spending my hard earned money sending over certified documents and if your company did n't correct these issues before then it 's not my fault. I repeat for the final time these accounts are n't mine. I have been an identity theft victim several times in the past and impersonated. How much more would I have to prove my innocence to you? I have discriminated against by your company as a criminal because you continue to contact the credit bureaus verbally verifying accounts that does n't belong to me. If that is n't discrimination then what is it? I am disheartened that your company continued to verify month to month for several years that this account was mine and it was n't.
I have a visa card with XXXX XXXX XXXX with {$1000.00} credit limit. I recently opened an account in Wells Fargo bank and requested credit card which was not approved due to " serious delinquency ''. I do not shop online and dont use my credit card often either. I need to know what has happened. please inform me about the details.