WillisBack/dataset-financial-user-claim huggingface dataset:
This loan was sent to a company called XXXX XXXXXXXX XXXX XXXX XXXX for payment handling in approximately late XXXX or the beginning of XXXX. At that time, my automatic payment option was discontinued without any notice to me. 

I received a bill from the company in XX/XX/XXXX, and paid this amount in full. On XX/XX/XXXX, I received a Notice of Past Due Account advising that my student loan payment had not been received and that I owed them {$53.00}. 

When I called the company, I spoke with an employee named XXXX XXXX. He advised he had looked at the records and confirmed it was their error and I owed them nothing. 

However, by the time I reached the office, I had an email from him indicating that I owed {$55.00}. I was not provided with any documentation showing why I supposedly owed {$55.00}. 

When questioned further, he sent over statements from XXXX and XXXX that I had never received. The XXXX statement he sent indicated that I owed {$53.00}, not {$53.00} and not {$55.00}. 

Further, the XXXX statement I had received at my house showed I owed XXXX cents. When I called the company upon receipt of that invoice, they advised this was in error and would be taken care of. 

I have now been told twice that the bill was sent to me in error and I owe nothing. 
In the alternative, I have been told that I owe : XXXX cents {$53.00} {$53.00} {$55.00} All except the XXXX cents took place within the last twenty-four hours.

I have complained to the company and asked for documentation. I have been told ( yet again ) that they've made a mistake, but I have received no documents supporting their most recent claim that I owe {$55.00}.
U S Bank claims the payment is late for about 6 months now. Furthermore, they have falsely reported to all XXXX credit bureaus as late. I have checks and documentation to prove it has never been late, moreover, the online account even shows the mortgage to have been paid on- time for the past 6 ( six ) years. On a daily basis they call and harass with threats and I continually tell them I have sent certified letters explaining the mistake and showing the mortgage to be paid as agreed.
XXXX, NJ XXXX XXXX XXXX, 2016 Caliber Home Loans XXXX, OK XXXX Account Number : XXXX RE : Request for Payoff Statement TO WHOM IT MAY CONCERN : We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to 12 CFR 1026.36 ( c ) ( 3 ). For the record, we continue to dispute the validity of the alleged debt. 

" PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. '' Thank you. 
Sincerely, XXXX Cc : Consumer Financial Protection Bureau ; NJ Superior Court
spent one hour just now trying to dispute something and make a payment. while american express bills me for interest i was promised would not be, and which i will be unable to pay based on that. they wasted 70 minutes of my time with XXXX calls either answered with extremely limtied XXXX or transferred me to business.. sometimes you call you get business card sometimes you do not its random and its annoying. wastes my time so i still need to dispute XXXX dollar XXXX and get interest refunded and make a payment. in light of my time wasted today and being hung up on 2 times early am today i want my itnerest refunded was i was promised last year. To bill me for charges stemming from vandalism to my home is in poor taste. esp with what i endured now and have in the past. XXXX calls this am. and i was hung up on twice and transferred all over teh world i want interest refunded and XXXX dollars back from XXXX. period
I am requesting with great dissolution, pain an anger a review of my financial documents for a work out plan that would be affordable.. I am XXXX and my hardship began XX/XX/XXXX when th e economic became horrific. The economy faltered and my business fell. This was the beginning of our struggles. The reduction of income and increased expenses. In the midst of the economy downfall our property taxes went up adding to our expenses. Shortly after I was XXXX. I was no longer able to perform to my job capacity after the accident as a XXXX. I am now recuperating and business is increasing slowly. 
Our mortgage is upside down, the values around have taken from when we bought our property. Refinancing was and at this point is not an option. We have taken distinct steps to better our financial situation. We 've cut back our household budget, eliminating some debs and no credit cards. We heve provided to Caliber homes our financial documents asking for a modification with no success. We have just found out that our house has a sale day of XX/XX/XXXX. I am devastated it and asking for your assistance I want to maintain my home. It is not a palace but is the home that my wife and I have struggled for. All we are asking Caliber is to extended the terms, lowering the rate and adjust the principal balance will make our home definitely affordable and sustainable. 
I hope, you all consider my request. 

I
'XXXX XXXX XXXX XXXX ' company issued my information to a debt collection agency for a debt I do not know about or owe. I have no outstanding business with them and I told them to investigate the transaction to see who was using my information to take things out in my name and they had agreed and told me to ignore the attempt to collect any money from me. 

Now they have sold my information to a debt collector who is harassing me for money that I do not owe. XXXX XXXX XXXX XXXX XXXX, was the name and telephone number I was given to call to find out why they are calling as XXXX XXXX XXXX it claims they no longer have any information for me on file.
I attempted to pay my mortgage ( as always ) on or before the first business day of the month via the XXXX website. When I was not able to do so, I called. They informed me that my loan servicing ( no word on whether the loan itself ) was transferred to XXXX XXXX. 

The problem is, they did not provide adequate notice. The representative said they mailed the notice on XXXX the XXXX. The effective date of the transfer is XX/XX/2018. Even if applying the " Mailbox Rule '', that does not provide 15 days notice. Also note, that they never provided email or other electronic notices.
I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XXXX and XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XXXX. I remained in Forbearance until the loan was consolidated. 

Details : I graduated from my bachelors and masters program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But XXXX  refuse to take actions to correct this issue.
I called Equifax on XX/XX/2016 about credit inquires that were not authorized by me on my credit report. I was told by the representative that they do n't have to remove anything and that I should call each company. I also faxed a letter on XX/XX/2016 asking for the removal of such inquires. I did not give any of the companies authority or permission to pull my credit and inquire and no true credit was given to me. Equifax reps was very rude and disrespectful. I made multiple call attempts and faxes sent in multiple times hoping for change.
I was astounded to find out there was a 30 day mark on my credit report recently for this auto loan. My ex husband has this vehicle and the account is paid on time every month. My ex husband traded this vehicle in for another one and this loan was to be paid off in full. He made all the payments on time, I am not sure why this is reporting a 30 day. I am asking to have the 30 days mark removed from my credit report as a courtsey due to you can see my excellent payment history. I am trying to buy a house and when this popped up, it is seriously impacting my credit and the ability to buy a house.
I am not the actual borrower. I am a loan officer at another company. I have had many customers come to me very confused about the mortgage application process. These customers have come from a different company, Specifically All Western Mortgage. These customers had been dealing with a " loan consultant '' that was actually a former loan officer whose license was taken away by the court. Not only was this loan consultant discussing all aspects of the loans, exactly functioning as a licensed loan officer, He also was requiring {$800.00} upfront to begin the loan process. Ostensibly the {$800.00} was to lock the rate on the loan, however the customers had n't even picked out a house, much less had a sales contract. Just how many people this company has ripped off i ca n't say, but I have had more than one customer tell me their stories about them. It is a shame that they are still allowed to do business.
I had a loan though XXXX, they sent me damage furniture and XXXX XXXX agreed to settle with me and gave me my money back and cancel the loan. I asked XXXX to remove all derogatory and negative impacts from my credit report and they did. XXXX and XXXX XXXX has removed this from my credit report but Experian refuses to remove that account after submitting several disputes.
The loan was discharged in bankruptcy in XX/XX/XXXX. I XXXX XXXX XXXX obtain the loan approximately XX/XX/XXXX, and started reporting to the credit agencies. I would this to be removed.
On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The response was removal of a collection with XXXX, XXXX and XXXX XXXX staying on my report despit no verification. 

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The result was XXXX XXXX staying on my report despite no verification or communication to me. 

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me and Im anticipating the results. 

All correspondence on my part were sent certified mail so I know that they were received but this account with XXXX XXXX has yet to be proven to belong to me but wont leave my report.
I sent all requested identifiers to Experian. I waited some time and called special handling to verify their receipt and validation. All items were accepted at said point. I elected to place several items in dispute with Experian, including but not limited to Date of birth, Addresses, Name indifferences, and several unknown credit inquires, and collection accounts. I waited the time frame they are allowed by law they elected to remove some items from the credit report such as collections who did not respond in their time frame and that is really all. I asked about the collections that remained and was told they remained because they were validated by the source, I explained the source has agreed the debt is not valid and has asked it be removed via XXXX update ( XXXX DELETE ). They said the debt was valid and refused to delete. I explained that several of the credit inquires were agreed to be deleted as well I sent them correspondence from the source to them via certified mail that explained the same and they refused to remove said items. I asked what items in specific the creditors had verified when they had verified bad debt they said it was not their responsibility to disclose. When I call to inquire further with Experian, they elected at their sole desertion to have my call automatically transferred to an answering machine in special handling based on my input of social security number. I have left several messages and allowed some time to pass and never received any follow up calls. They have also elected to block access to online reports or disputes and ask me to send in identifiers they already agreed to receiving, even if I elected to pay for my own report. When I applied for a credit card and they used Experian, I was informed their was no Experian report found. I have a credit report that Experian sent me.
Wells Fargo closed my primary checking account in overdraft, but the overdraft was entirely due to the bank 's assessment of fees for unauthorized debit attempts. 

Now, I can not access any historical data or monthly statements, even though the bank promised to provide 18 months of data online if I went " paperless. ''
Debit card number and pin number somhow obtained and used to withdraw money fraudulently. Bank of America account and they denied claim and will not reinburse funds fraudulently obtained. Also have requested numerous times for evidence leading to their decision and to date have received no documentation on matter. I have been on the phone speaking and holding for many hours trying to resolve and have gotten no where. I have only one debit card and was used by me and fraudulently geographically about XXXX miles apart within approximately one hour which to me shows that a fraudulently made card existed and was used. Some how Bank Of America decided that no such card existed and continues to deny the fraud claim. The fraud which occurred from XXXX XXXX to XXXX XXXX of XXXX totaled about {$2100.00}. Also during these transactions I was never contacted by Bank of America XXXX department in regards to the unusual activities on account. This is odd because on most occasions if I travel from my home state of NY out of state my card will be shut off upon attempting to use if I do not issue a travel notice. I am now to a point that I believe Bank Of America is purposefully denying my claim repeatedly in hopes that i will give up and no longer pursue reimbursement. Given all the times, amounts and locations of transactions it is obvious that fraud has occurred and find it very difficult to believe that the professionals who investigated this claim did not come to the same conclusion.
RSI Enterprises continue to call my home early in the morning up until late night from various different numbers, they leave a message advising that they are a Debt Collector. I have not spoken with them but I do not have any business with them and would like them to discontinue calling my phone number
I 've sent Experian copies of letters and proof of payment of an account I am disputing but Experian still will not remove the negative account with XXXX XXXX XXXX XXXX this has cause me to fall out of escrow, potentially lose a home.
We opened escrow on our house on XX/XX/XXXX, 8 days in and Guild has not ordered an appraisal. 2 days ago we asked them to transfer our file to another lender who was giving us a way better interest rate and no junk fees. Still by end of business today they have not ordered an appraisal and/or transferred our file so our new lender can order the appraisal. They have wasted over half of our 17 day contingency window.
This is in reference to the hack of Equifax on XXXX and Equifax improperly securing critical identify information, where over a hundred million people may be affected. 

Furthermore, after taking manual steps to analyze and verify my credit information, I am unable to retrieve my credit report from Equifax through the government-mandated XXXX website.
There is Public Record Information on my credit report that I am challenging as inaccurate in its filing. First, the term " Dismissed '' means that it is adjudicated by the law, IT DOES NOT EXIST!! Since my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. It is obvious that the credit bureaus have retrieve my information from a third party entity without my authorization. The agencies state that the VERIFICATION comes from the " origin '', this is INACCURATE. The Bankruptcy Court ( THE ORIGIN ) has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. Please advocate for me in this challenge.
There was inquires from Chase Bank USA, N.A on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I had a truck loan that was repossessed unlawfully. The company turned around and sold the truck for way under what the truck was worth but continue to bill me for the remainder of the loan which is predominantly interest as this is a subprime auto loan. I have an attorney and they were notified that I was filing bankruptcy so they hurried to file suit. I decided not to file bankruptcy very recently and was going to settle with the company but all of a sudden I have a garnishment on my paycheck for {$560.00}. I can not afford that payment amount and can not afford my bills now. I want to find out how much the loan company is ACTUALLY out from the truck without interest as I know it is not the {$6000.00} they are trying to charge me. The truck was never worth that amount. I was tricked by the dealership into even signing for this loan. XXXX and XXXX XXXX trick customers into loans they can not afford and then repossess and that is how they make their money. Slovin and Associates is who garnished my wages for XXXX. I need help with this company. I will pay what I myself caused, but not {$6000.00} to a greedy company making money off of customers who are desperate and easily tricked. This is unfair and deceptive. I want to settle on this and stop the garnishment.
Sampler points XXXX {$2900.00} Down payment : {$0.00} Used three nights so far. 

We purchased a Sampler packageXX/XX/XXXX A Barclaycard was used to make the purchase. The card is only in my name but XXXX and I are both on the purchase agreement. We agreed to this purchase only because we had the agent XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX. We turned down XXXX XXXX. They brought in a second agent. 
They brought in a third agent, XXXX XXXX, who offered us the Sampler for {$30.00} dollars a month for 18 months and said there would be no down payment required. 
We repeatedly verified with XXXX that we would have NO down payment and would pay only $ XXXX for the 18-month period. The agents specifically asked us, What if it was just {$30.00} a month for 18 months and no down payment. 
This would mean our total purchase would be {$540.00}. They checked boxes on the agreement underneath the {$2900.00} that stated 1. No down payment due and 2. No balance due - so we felt assured this was a promotional package that would cost us only {$30.00} per month for 18 months. 
The first payment of {$30.00} was in XXXX XXXX. I noticed in XXXX XXXX the minimum payment increased from {$30.00} per month to over $ 75 month. 
I contacted Barclaycard. After reviewing the contract they explained no down payment means XXXX was paid in full by XXXX. In other words, it was a loan but no terms were stated. 
My balance is {$2800.00} as of XXXX. 
Because of our personal income and expenses I would have not purchased this product had I known or been informed of the actual terms. 
XXXX XXXX has been issued an Assurance of Discontinuance by the Arizona Attorney General accused of violating Arizonas Consumer Fraud Act. I understand that in Arizona alone there have been over 900 complaints from XXXX members about predatory sales and lending practices. In addition a lawsuit has been filed in federal in Nevada against XXXX for a XXXX dollars. 
This predatory lending needs to stop. I am hoping the Consumer Financial Protection Bureau will help us resolve this situation as I am not able to afford this product after being deceived into buying it.
I have had numerous issues with Transunion not reporting my correct balances on my credit accounts. The most recent is an XXXX XXXX account from XXXX XXXX. My Balance is XXXX and Transunion reported {$56.00}. I have complained previously about TransUnion not reporting correct account balances. Additionally, they recently deleted an open XXXX XXXX account in good standing and without my consent from my credit report.
On XXXX XXXX, 2015, I purchased a Reloadit Pack and loaded XXXX onto the card to later transfer onto my son XXXX XXXX card the OnlyXXXX Visa loadable card. I contacted the Reloadit customer service at XXXX. I spoke with the first person out of at least XXXX foreign speaking reps., they gave me the run around like I have never experienced. I contacted the company XXXX XXXX and asked what I needed to do if anything on my end. XXXX XXXX told me that they are no longer doing business with Reloadit. I called Reloadit back and asked to speak with a supervisor. Supervisor denied knowing anything about XXXX XXXX discontinued there relationship with them. Supervisor asked wait ANOTHER 4 hours to see if my money would transfer, mind you this is the 3rd time I have been asked to wait a 4 hour period. The money was not there again. I called back again and spoke with another rep., and was told to go purchase another prepaid card of any type. I called them back and gave them the card numbers and I was told they were not compatible that I needed to go purchase a specific card! I called back and asked to speak to another supervisor. He told me that I had to wait for another 4 hours. At this point I believe they are operating under a scam. Blackhawk Network is the owner of this operation. They do n't answer their phone. XXXX. 
A list of names I spoke with in less than 24 hours : XXXX, XXXX, XXXX, XXXX, XXXX XXXX and a list of other names )