WillisBack/dataset-financial-user-claim huggingface dataset:
In 2007 I received a check in the mail for {$5000.00} from XXXX XXXX, after losing my job. I called the company to confirmed that the check was legitimate. They persuaded me to come to their office and consolidate my bills into one payment to them. I borrowed {$30000.00} and took out a second mortgage on my home. The interest rate was high, but they said that if I made my payments on time the interest rate would decline and my payments would decrease over time. I 've been paying for this mistake ever since, and the principal on the loan has remained at {$30000.00}. The interest rate is currently at 12.290 % with no signs of decreasing. Since then my loan has been sold/transferred to different companies and is currently being collected by XXXX/XXXX XXXX XXXX. They 're saying that my payments are late and have destroyed my credit in the process. Is there anything I can do to resolve this problem.
I am attaching a letter that I sent to Equifax, XXXX, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.
Hi there Portfolio Recovery has been literally harassing me daily via my phone # regarding a debt that was paid off in full via a settlement agreement in the very early XX/XX/XXXX 's ... ... yes thats correct over 15 years ago!!! They contacted me back aroundXX/XX/XXXXish stating I needed to pay this debt ( which I had with XXXX, we came to a settlement agreement ) I told them this and when I got something  in the mail from them stating that I owed ( actually more than what was really originally owed ) I sent a certified letter back with all of the info on the debt and it had been resolved and it just stopped ... ... NOW, they are calling me constantly again ... almost 10 years later!!!! I have since moved and discarded all of the stuff as seriously .... its been over 15 years and I had heard nothing more so, why would I have kept something like that? I tried explaining this to the last fellow that called me ( on my cell no less ) and he was very belligerent .... cursing, even called me a liar and told me to pay my XXXX bills. I hung up on him ... .. I did find it odd that the lady I spoke with last week ( who was just as rude ... but did not yell at me ) had the date of this debt as XX/XX/XXXX instead of the original XX/XX/XXXX. I, # 1 dont think that is legal and # 2 I still think that is out of the actual time frame that they can harass me correct? I am furious that I am being harassed for a debt that # 1 was settled over 15 yrs ago & # 2 was almost 20 yrs old now .... What the XXXX??? Also this time I have received nothing in the mail .... only the harassing phone calls!!!
We asked Wells Fargo to arrange to close our account and transfer the funds to our XXXX bank account. This was arranged on the XX/XX/XXXX and we were promised the money by the XX/XX/XXXX, the transaction confirmation number was XXXX and the amount was {$9400.00}. The money did not arrive and following prolonged discussion with Wells Fargo the wire transfer was rearranged on the XX/XX/XXXX and we were promised the money by the XX/XX/XXXX.  Transaction confirmation number was XXXX. Again, this did not arrive. We have been in discussion ever since and have now asked for a bank check to be sent to us. We have been told that we can not have this until Wells Fargo have received the money back. We have said that this is unacceptable as we should not be kept waiting any longer for this money. The lady dealing with it is XXXX XXXX in the executive office and she has a case file open, number XXXX. 
She is sympathetic but says there is nothing she can do as responsibility for this is with the wire transfer department. We have asked for a senior manager to contact us but this has not happened.
I started at XXXX XXXX in 2008. I was told that all of my classes would be in the class room. Unfortunately, XXXX XXXX went to an online format for my remaining XXXX credits. They also told me that they would accommodate my XXXX and my work schedule. My XXXX is XXXX XXXX. While I was trying to fix the problem with XXXX XXXX  and their refusal change from online classes to in-class instruction, I was not given any more funds and had to start paying my loans. At the time, I asked for the loans to income based. Navient put me into forbearance at least 7 times that increased the interest. My loans are costing me {$72000.00}. I would like to consolidate my loans ( I have three ). Navient has told me that I can not consolidate. I need help with this situation. I am paying for loans and have no degree. Any help that you can provide would be appreciated. Thank you.
I ordered XXXX cable/internet service in XXXX 2013 for my apartment. I cancelled service and returned all equipment in less than XXXX days, and have been told on multiple occasions by XXXX representatives that I did not owe any money because of their " 30-day money-back guarantee ''. I received several bills afterward and have been harassed by debt collection agencies ( multiple phone calls a day ) for the past two years regarding a ~ {$200.00} debt I do not owe. Every time I reach out to XXXX they confirm that they see on my account that my equipment was returned in under XXXX days and I should not have been billed. They also continue to promise me that they would clear my account, yet the harassment continues. I have wasted countless hours dealing with this issue for the past two years.
I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX XXXX XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
I have student loans from the years spanning XX/XX/XXXX-XX/XX/XXXX for XXXX and XXXX school. They are a combination ( roughly 50/50 ) of FFEL Stafford Subsidized and Unsubsidized loans.

All my loan information was accurate as I made payments and dealt with financial hardships to arrange for Forbearance and Deferments, while I was with my original loan provider, Sallie Mae. 

My load was sold to Navient in the year XXXX, and at this time, things took a confusing turn. My loan principle went from its original {$60000.00} to {$81000.00} what it seems was as a result of the transition plus further increases over first few years the loan was with Navient. The amount taken in by Navient is also far off from my original principle amount. I believe the additions to my principle were a result of interest capitalizations I was unaware of and uninformed of. After many attempts to get solid information from Navient, information that made sense based on my interest rates and also subsidization of my loans, I was unable to receive an answer that matched up to what I understood. The customer service reps seemed scripted and also uninformed and provided very very general information without any detailing of interest charges. 

My interest rate also went up 1 % and there is a notice of another consolidation in XXXX, but I have record and recollection of only one consolidation on my end, which was earlier, prior to XXXX school. Again, several things that did not match up took place when the loan was sold to Navient. 

As such, I believe I am a victim of what Navient is being taken to court over, and want to see if it is possible to get more robust information on what occurred when Navient took over the loan.
When i checked my experian account online, they dispute my XXXX credit card report, and they removed my fico score, i paid {$4.00} and {$19.00} for my credit increase but it goes down, they are telling me that if i will not update and pay them they will unlock my account and anybody can check it.. they are going scam not outside people but the inside who handle out credit. Its not fair.
In short, on XXXX XXXX, 2011, I took out a VA Mortgage Loan with WELLS FARGO BANK. Everything appeared good up until the point when I took some private accounting, constitution and banking classes. To make a loan story short, I discovered the fact that WELLS FARGO BANK participated in banking fraud. How is this so? All banks are governed by the Federal Reserve Bank. The Federal Reserve Bank published various publications such as " XXXX '', " XXXX '', " XXXX '' & " '' XXXX '', which openly admits that Federal Reserve Notes are not only real money, but how commercial banks NEVER loaned any money to anyone ; it is the borrowers ' signatures which create loans in the first place. Not to mention according to US Constitution, Federal Reserve Notes aka US Dollars are not lawful money. According to Article 1, Section 10 of the US Constitution, the only lawful money is gold or silver coin. Consequently, what happens is that when a bank receives a borrower 's signature, the bank endorses it as a check or money order and then report this as a deposit as a off balance book sheeting accounting transaction, creating a lack of financial transparency. Furthermore, the bank then reports this transaction as a bond with the United States Treasury. The United States Treasury then sends funds for the bond to the bank. In addition, the bank convinces investors to invest into the mortgage as a security by biding it on the Stock Market. The mortgage is then transferred into a " Special Purpose Vehicle '' as a " Collateral Debt Obligation '', which means the bank was paid twice as soon as the mortgage contract was signed ( XXXX by the borrower 's signature and XXXX by the investors ). This is further explained in my memorandum of law, which is attached herein. Furthermore, various correspondence was sent to WELLS FARGO BANK in regards to an inquiry about whether they were an actual lender as well as the demand for the original note. As a result, WELLS FARGO BANK did not respond and I put them into default. These documents will be provided at a later time.
Mohela applied payments I made to the principal of my loans to " future payments. '' Basically, they took money I specifically directed that they make towards the principal of my higher interest loans, and then applied that money to my scheduled payments. It was not applied to the principal on any loans. It reduced my payments for a limited amount of time. 

For example, if my regular loan payment was {$600.00}, they took the {$2000.00} lump sum extra I paid and spread that over a couple years of payments, so I was paying {$500.00} a month for 20 months. 

They spread it over enough time that when I was just looking at my monthly payments, it looked like I had paid down the principle, so the monthly payment had come down. 

Before making the lump sum payments, I specifically called their customer service representatives and made sure I was following the proper procedures. I indicated the particular loan I was paying towards in the memo field of the check. 

Further, I can pay them monthly through their auto debit system, but to make payments on the principal, I have to mail a check. I have to rely on them looking at the memo section and applying my payment correctly. 

When I discovered this error and got on the customer service line to correct it, they said there was nothing they could do. I even talked to a manager.
On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX XXXX   TO XXXX ( XXXX XXXX XXXX XXXX . A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX balance. Between XX/XX/XXXX and XX/XX/XXXX XXXX sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.
My complaint is against Rushcard, my funds were held up for 6 days because of there system updates. When I did n't get my deposit on XXXX as I normally would get 2 days earlier than my pay day XXXX, I started placing calls to them, then was told would get funds on the original pay day due to system upgrade which would have been XXXX still no funds on that day I kept calling and holding for over XXXX minutes each time to be told they can ' provide me my account information because the systemwas n't work, I placed several calls a day to the company between XXXX, i finally spoke with a lady on XXXX who got my funds released on XXXX this was the worst experience ever with this company
The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance.
3. Court Order.
4. Employments.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 3. XXXX XXXX XXXX DatedXX/XX/XXXX( XXXX ) 4. XXXX XXXX DatedXX/XX/XXXX ( XXXX and XXXX ) 5. XXXX XXXX DatedXX/XX/XXXX ( TransUnion ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX  DatedXX/XX/XXXX( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( XXXX ) 9. XXXX Dated XX/XX/XXXX( XXXX ) 10. XXXX Dated XX/XX/XXXX ( TransUnion ) 11. XXXX Dated XX/XX/XXXX ( TransUnion ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.
I had a bank of america checking, savings and cash rewards credit card. I closed my checking account with them because they took a double payment towards my credit card without my consent and left me without enough funds when I had bills to pay. This was early XX/XX/XXXX. I had in XX/XX/XXXXmoved to Ohio where there are no branches locally for me to visit to get resolution for their systems error that caused the overpayment. It took over a month for them to fix this issue, so I opened a XXXX XXXX Checking account in the town I live in now, in Ohio. My credit card with them stayed open for a while but Fraud happened on the card and I didn't realize it because I hadn't been using the card and I had a zero balance the last I used it. When I discovered the fraud I disputed it and money was owed back to me because my account was overpaid. It was shown that I had a negative balance on the card and interested and late fees accrued were removed. I resolved this issue and during the time the account was defrauded Bank of America closed my credit card account. The fraud department assured me that they would reopen the account after the investigated was completed but it never happened. My account remained closed and I had called in to see why and get this issue resolved. 
First, I spoke to XXXX in Texas, in customer service, he transferred me to Fraud dept and XXXX Spoke with me and said I had to call back on Monday the XX/XX/XXXX because the people I needed to speak to get my account re-opened were not there on weekends. Existing Fraud Claims Dept will need to be contacted by their Fraud and Authorization, is what he told me. XXXX felt that they will reopen the account for me, especially due to the circumstances surrounding the closing of my account, that should not have been closed in the first place. I spoke to their manager XXXX XXXX and he said he submitted for my account to be reopened. He said he would call me back by last Thursday, XX/XX/XXXX, to let me know the status of the request. He called me back and told me that Bank of America wouldn't open my account again and he apologized to me and offered no additional help. I then asked to speak to one of his superiors and he was unable to put me in touch with one but said that one would call me back in the next 2 to 3 business days. That is unacceptable to me because I can not guarantee that I can be available at all times to answer a call as I work full time and he had his supervisor available then but their policy doesn't allow for one to speak to a client immediately. I have been mishandled and mistreated by bank of America and I am very frustrated.
In XXXX I called Wells Fargo to request a repayment plan for XXXX, XXXX an XXXX payment. I was told I had to apply for a loan mod and the company will determine what option I will get. In XXXX of XXXX Wells Fargo decided to give me a payment {$20.00} more than what I have been paying and the company up my interest rate. I still do not understand y I could n't just get the repayment plan I asked for during the time I called and ask for assistance. Now on XXXX XXXX, XXXX I tried to make a mortgage payment online and was not able to. The weather was bad in XXXX and also the bank was closed on XXXX XXXX XXXX. I bank with Wells Fargo and should be able to make a mortgage payment online.
I have contacted Southwest Credit Systems several times to validate debt of which i have no contract with them. They refuse. Southwest Credit Systems have also fraudlently contine to report to XXXX, XXXX, and XXXX untrue and not validated information. I have no contract with them.
I made XXXX payments on my account in XXXX month XXXX separate dates I go in to the store on Saturday XXXX located in XXXX I proceed to make a purchase and its declined. They declined my purchase because of non payment I made XXXX payments in XXXX month they failed to apply my XXXX payment to the month of XXXX and they charge me a late fee. I was stuck in the store for over XXXX hours and I had a wedding to attend that I missed becomes of this error that was made on account of Macy 's. I should have never been charged a fee then I was forced to make a XXXX payment just for the charge to go thru so in XXXX one month I made XXXX payments on an account that has never been late. I never use the card. I missed my brother wedding because customer service and the credit department where in capable of removing the block off my card. I was penalized for making an extra payment on my account keeping my account in good standing and paying on it early as a result of doing all that I was charged a late fee, my account was placed in internal collections, a block was placed on there as well as I was forced to make a XXXX payment in store so now my personal bank account was negative as well and I missed my brothers wedding because I was in Macy 's over XXXX hours trying to purchase a XXXX for the wedding. The service rep at the counter can vouch for the entire incident I was using the store phone as well as my phone and my wife phone to try to get thru to someone to unblock the card. Macy 's is horrible with posting payments correctly horrible customer service rude and condescending
Transunion has this information on Personal Information wrong as of XX/XX/2017 The rest is right Address That show on this report wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX WRONG XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) ZIP CODE IS IN WASHIGTON XXXX XXXX XXXX XXXX XXXX XXXXPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ALL WRONG ADDRESS NOT MY ADDRESS INFORMATION WRONG TELEPHONE # ALL CORRECT EMPLOYMENT DATA REPORTED : CORRECT AS OF THE REPORT MAIL TO ME XX/XX/2017 FILE # XXXX
Loan was originally from Cash Store. The company calling me is a company called XXXX. They continually call, threaten to sue ... they have called my family members in which they never had authorization to call them and gave them false information. They told my family they were calling because I had a returned check. Violating all sorts of fdcpa laws.
There are XXXX fraudulent XXXX accounts being reported on my credit bureau reports. XXXX is a XXXX XXXX credit card ending in # XXXX and the other is a XXXX XXXX XXXX account ending in XXXX. I have sent several notices to all XXXX national credit bureau agencies XXXX, Equifax and XXXX XXXX advising them that they are fraudulent accounts and have demanded validation from the creditors. Unfortunately, to no avail I have not received any information and they are both being reported as derogatory accounts. This is having an adverse effect on my credit rating. The accounts appear to have been opened by someone in my family and or household who has access to my personal information. This violates federal law under the FCRA and FDCPA.
A fraudulent convenience check was written on my account last XX/XX/XXXX. I never had the check in my possession and reported the fraud to Barclay on XX/XX/XXXX. Since then I 've been given the run-around with different numbers to call and XXXX different reference numbers and a case number. Even though I have an email that states " Please be advised that transactions placed in dispute do not accrue finance charges and are not included in your repeat payment amount while the charges are being investigated, '' I am being harassed with late payment emails and threats to my credit rating.
Ex spouse received property in the divorce settlement. Divorce proceedings give the account in question 100 % to my ex as well as the mortgage. Told this to XXXX XXXX as XXXX our names are on the note, but they did not care. Ex spouse is in the middle of a refi with XXXX XXXX mortgage. This action should have stopped them from ever placing a late payment on my credit. Since the ex is in the middle of the refi, he did not pay the monthly amount due, again not my fault, especially since I was not even aware of the situation in the first place. XXXX XXXX Mortgage erronously placed a late payment on my credit rather than the ex spouses credit. I contacted XXXX XXXX and they could care less. They have confirmed the paperwork has been approved and is awaiting my exes signature ( 2-3 weeks they said ) and this mortgage will be his and his alone. I would love to file a dispute with XXXX XXXX if someone could tell me how. Please see page of the attached divorce stipulated judgement granting my ex this property and not me. The account in question is XXXX XXXX Home Equity Loan balance of {$63000.00} on XXXX XXXX XXXX. Please see the attached Stipulated Judgement Page XXXX Item XXXX, Page XXXX, Item XXXX and Page XXXX the last paragraph on page XXXX going onto page XXXX.