WillisBack/dataset-financial-user-claim huggingface dataset:
In the past my loan payments were being made through XXXX student loan services. About two years ago I received notice that XXXX was being taken over by XXXX education services. My loan payment is made quarterly and I've been making faithful and on time payments for about a year online at XXXX 's website. That last time I was able to make a payment was in XX/XX/2018 and I have the receipt of payment for that. In XXXX I noticed that I had not received notice for payment for my XXXX loan in sometime and went to the website so see about the loan. I received a message saying that the service that I requested could not be accessed at that time. I assumed it was an issue with the website. 
Here we are now, in XXXX, and I am receiving the same message. I called the company ( XXXX ) and received absolutely no help. Initially I called and was transferred to a 100 % automated " department, '' that did not reconize my SSN for logging in. I called back and was transferred to the " loans department '' where someone proceeded to tell me that I do not nor have I ever had an account with XX/XX/XXXX services. I have multiple student loans and I do not know which ones fell under XXXX services. She suggested that maybe it was a Perkins Loan and transferred me to that department. This was again a 100 % automated department that did not recognize my SSN or birthdate for logging in.

I called back and was told there was no manager to speak with and the " customer service departments '' that I have been previously transferred to was all that they had to offer. 
In short my loans are in limbo and no information can be offered by the company previously in charge of them as to where to make a payment. It frustrating because I don't want to default on a loan simply because a company has less than professional business practices. If it has to come to it I will definitely get a lawyer and take this problem up legally, because it is unfair to expect me to have to pay any outstanding charges being accrued at this time. I've looked online and have seen many comments and reviews similar to mine, referencing their experience with XXXX. It is my hope that something gets done about this and puts these crooks out of business.
There is unauthorize hard inquiries on my credit report that I did n't consent to pull my credit 1.  XXXX   XXXX   .Dated J XX/XX/XXXX  2. XXXX  .Dated XX/XX/XXXX .3.  XXXX   XXXX  . XX/XX/XXXX  4. XXXX  . XX/XX/XXXX  ... 5.  XXXX   XXXX   .Dated  XX/XX/XXXX .
1.  XXXX   XXXX   XXXX  , Michigan  XXXX  2. XXXX .  XXXX   XXXX  , Texas. XXXX ..3.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Texas. XXXX  ... 4  XXXX   XXXX     XXXX   XXXX  , Texas. XXXX .
I have a   XXXX   XXXX   XXXX   vehicle I do n't need another car. I have   XXXX   kids and I am single Mom.
All the hard inquiries are destroying my credit and scores and my chances in getting credit approval on new beds and baby crib for my  XXXX  child and my daughters that are under the age of   XXXX   years old..
I have two unused XXXX XXXX gift cards which show XXXX balance bought from paypal_digital_gifts on XX/XX/2017, could you help me check this case? I suspect my gift cards ' information was leaked by paypal. 


Dates : XX/XX/2017 amounts : two {$150.00} XXXX XXXX Gift Card Actions : I contacted with paypal digital service and XXXX XXXX digital channel support, got the reply about " Unfortunately we are unable to assist with inquiries of this nature as we do not have access to end user information. ''
My husband and I closed on a house on XXXX XXXX, 2016 with Mortgage Lenders of America. They notified us about one month after closing that our flood insurance is not federally backed. It is privately backed, which apparently means they are unable to sell off our loan. They sent us the very first statement for our loan, and have not sent anything since. Every month I have paid using my bank 's online bill pay service, but I have no idea that it is being received, or how it is being credited to the account ( I have been paying extra each month ). I understand that they are in the business of closing loans to sell them, but this is an error on their part. There was a delay in closing specifically regarding the need to purchase flood insurance, and what we purchased was cleared by Mortgage Lenders of America for closing. This seems to be in direct violation of the Periodic Statement Rule. I sent an email to our loan officer, XXXX, requesting a monthly mortgage statement to confirm payments and proper allocation of additional funds to principal. This was the response that I received from him : " I told you that we do not have the capacity to service your loan. And is why we needed the FEMA certified flood insurance. To get this sold to the investor to take care of you. I have no idea but will send this on to see if we have been getting them. If you could please provide us with FEMA certified flood insurance we can get this sold and you will get all the payment coupons and a place to pay online and all the things most people have with their mortgage company. 

Thank you, XXXX, NMLS # XXXX Senior Mortgage Loan Officer Mortgage Lenders of America '' As consumers, we did everything they requested of us in order to purchase our home and I feel we have a right to receive mortgage statements and/or payment coupons, and also, basic customer service from the company that holds our mortgage.
Brief history of problems with Mortgage CompanyIn XXXX my ex husband and I sought to refinance the original mortgage combining a second mortgage and securing enough to make significant repairs to the property. The house was not livable and my XXXX year old parents needed to be safe. My ex-husband and I applied to XXXX XXXX who had taken over the mortgage we had for the previous seventeen years. 
The lender turned down the loan but within a few days they contacted my ex-husband and asked him to submit a second set of tax returns. They explained to him what he needed to do and he complied. The loan closed in XXXX of XXXX. In XXXX of XXXX my ex-husband moved out and refused to make the payments. I managed to keep the payments up and had no idea that there were any problems with the loan. The bank had been adding a late charge on the payments made in cash and directly transferred to the loan electronically. This is the system the branch manager set up for us. It was over a year before we learned about the added charges. None of the payments were late according to the stipulations in the note. 
In XXXX the state of Florida granted XXXX service connected veterans a tax exemption for which my father qualified. This became the largest problem. We provided the bank with all of the proper documents in the first week of XXXX. In XXXX they were still escrowed for the taxes. In XXXX I received a check for {$700.00} approx. as a refund for the escrowed taxes. The taxes were XXXX a year so seven months would have been more than that amount. We never did receive an accounting for the funds. 
Late in XXXX my ex-husband filed for bankruptcy in Federal court. This caused the demise of communication with the lender. They would not provide me with the information necessary to make the payments. Without knowing what the actual amount was I continued to pay the last known amount. During a telephone conversation with the loan processing center I learned that due to the fact the payments were not to the penny they were not posted to the loan but placed in suspense. 
The last payment I tried to make they refused to take. 
I sought an attorney to try and resolve this mess. This past week the judge signed an order of foreclosure against me. The day before the court date I received a loan payment statement from Caliber Home Loans. I eagerly called the number on the form to try and resolve this issue. They could not find any record of the loan by number, the property by address or my name. If I had sent them a check where would it have ended up? 
In the foreclosure action they failed to notify my son who is co-owner of the property. Therefore he had no defense. And during the proceedings they amended the original mortgage to include a parcel of land never included in the original mortgage or any subsequent mortgages. It has a separate deed and tax number. Would n't this be considered theft?
i had to open AmEx Delta Gold card with AmEx on emergency to obtain a ticket on Delta airline.after i opened card i did not receive a number so i was forced to use other meaning to buy a ticket.After i got to NY next day i called to AmEx on XXXX XXXX to cancel card without even without getting a number yet but was told i have to wait until card arrive, s in mail.I left NY next day and came back XX/XX/2016Called to AmEx to cancel card, which came in a mail, even before it was activated.Card number is:XXXX. Expiration XX/XX/XXXX.Spoke to XXXX XXXX who said there is a new promotion and it would made me re-consider cancellation.She transfer me to promotion department and XXXX XXXX, after consulting her superiors told me if i keep this card and spend {$2000.00} within 3 month i would get XXXX Delta Airline points and {$50.00} more if buy any Delta products.I spent {$2000.00} and instead of XXXX XXXX Delta points i was promised received only XXXX..Contacted AmEx XXXX/XXXX/16 and asked why, was told by XXXX investigation open since XXXX/XXXX/16 about it.I did not understand what to investigate, but let it go.Contacted AmEx again to clear it XXXX/XXXX/16 and was told same thing investigation is going on, but when i asked what they investigate my " Chat '' session was terminated. Why AmEx, who seems to be respectable enough, does not feel obligated to keep their own promises.
getting calls from a company called XXXX about a debt I do not owe. my id was stolen and a police report was filed with XXXX county XXXX pd. ive tried to expain the situation to this company and have failed. they have now started calling from a XXXX number with different area codes to harass and threaten me. they say they are not governed by us laws and call 6 to 12 times a day.
On XXXX XXXX, XXXX, I had suffered an XXXX incident that left me XXXX  and in a XXXX for ten days. During this time, XXXX XXXX XXXX XXXX was holding my college loans which were on deferment and scheduled to resume payments in XXXX of XXXX. The nature of my injuries were XXXX and XXXX. I have no memory of what happened before the event and nothing for 2 months following it. Through extensive therapy, I was regain physical control of my body back nearly 100 %, with the exception of a XXXX issue that involves XXXX  because that is XXXX in nature. Due to the nature of my injury which left me in an XXXX status for quite some time, my mother contacted NELNET and advised them of my medical status. She had to do so, because I was in multiple hospitals until approximately XXXX XXXX of XXXX. She was advised to fill out a request for XXXX status, which she did, but NELNET never followed through on it. In turn, NELNET had continued negatively reporting on my credit report and until I received a notice almost a year later. I was forced in to resubmit all the documentation my mother sent them to get my loan placed on a XXXX status, but the damage was already done to my credit. While I was unable to care for myself, my mother ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Account status incorrect had faxed Nelnet 's XXXX program medical verification. I had to refax all that she had sent them with the fax confirmation report to have them complete the process after receiving a delinquency letter. I was out of work until XXXX of XXXX because I was on an extended leave from my job do complete advanced therapy. During such time, I was receiving supplemental income through my enhanced XXXX protection insurance that I had taken through the school board where I work, until I was medically cleared to go back to work full time. But, during this time, NELNET had damaged my credit and even though I had filed a successful bankruptcy in XXXX and was cleared by the courts, college loans because they are subsidized by the Federal Government are not impacted by such legal actions. This issue is impacting me getting a mortgage to purchase a home at this time.
XX/XX/XXXX Bank of America # XXXX. My income was decreased at XXXX XXXX and Social Security for no apparent reason. I talked with Bank of America about the problem. They agreed that I was unable to pay the debt and charged it off. Now it is appearing again, not to be cleared until XX/XX/XXXX. I explained to them that I was permanently XXXX and elderly, now on an extremely low income. By continuing to report this resolved debt for several years past the 7-year report period, I am continuing to be unable to rent an apartment or other necessities. This is undue hardship on top of on-going financial hardship.
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT DIVERSIFIED CONSULTANTS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the  pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DIVERSIFIED CONSULTANTS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
On my credit report, it is showing that I owe XXXX XXXX for two past due accounts in the amounts of {$360.00} and {$160.00} - see information below. I know I paid both of these off to collection agencies that would not stop calling. I am wondering why they are still showing as open on my credit report. The calls have stopped since I paid them off. They have not contacted me about this since I paid it. 

ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX/XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$0.00} {$0.00} {$360.00} XX/XX/XXXX COLLECTION ACCOUNT $ XXXX ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX/XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$0.00} {$0.00} {$160.00} XX/XX/XXXX COLLECTION ACCOUNT {$160.00}
PINNACLE CREDIT SERVICESXXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( collection for XXXX XXXX XXXX ) Has been reporting a collection balance of $ XXXXThis account is included in a Chapter XXXX Bankruptcy and has been discharged. 
Pinnacle Credit continues to report the account as UNPAID
To whom it may concern, I have had a Home Equity Line of Credit with XXXX XXXX for almost fifteen years. Recently, XXXX XXXX chose to report, " Account Closed '' on my credit bureaus, even though it is OPEN with a balance that I make payments on each month. XXXX XXXX had blocked access to funds back in XXXX when real estate values had plunged. I 've never been a day late on my payments, EVER! And now my account is considered " CLOSED ''!? 

The issue I have is that this move by XXXX XXXX of reporting my account as " CLOSED '' has caused my credit scores to suffer terribly because still having a {$71000.00} balance now makes my utilization percentage on my credit reports soar to over 100 % virtually killing my credit scores. So much so, I 'm having trouble getting credit and refinancing my house. It 's unfair and causing financial hardship for me and my family. 
The stress is unbearable, as I am unable to acquire new credit for my business or refinance my house. I need your help. Please advise.
My mortgage is serviced by XXXX XXXX ( XXXX ). InXX/XX/XXXX, I had to stop working due to illness. I reach out to XXXX for a loan modification approximately XX/XX/XXXX. They did a forbearance plan instead a permanent loan mod. Each forbearance was for 3-4 months and each time I had to reapply in advance. I did always. One forbearance period ended in XX/XX/XXXX. I had already applied for a loan mod and by XX/XX/XXXX, it was still pending with XXXX. I was told it was still under review, but told me I could not send any payments until they ( XXXX Underwriters ) made their decision. Towards the end of XX/XX/XXXX, they made the decision to continue with a forbearance plan and the next payment was due XX/XX/XXXX. I was specifically told I could not send in no other payment except for that in the forbearance & had to follow the plan. If not, the plan will be breached & I would be required to pay the full arrearages. Later in XX/XX/XXXX, XXXX, put on my credit report that I had a late payment for XX/XX/XXXX. I disputed thru the credit Bureau & XXXX. Explained to them, that because our case was under review, they refused any payments until they agreed to a plan. Once completed, they instructed me to make a payment starting XX/XX/XXXX. I remained under forbearance until XX/XX/XXXX, never missed a payment or defaulted under the forbearance plan. You can never continue in a new forbearance plan if you are default from the previous. However, XXXX, still has a late payment on my Credit file ( over 420 days ) & refused to resolve this matter. For this reason, I am unable to refinance or get help from another financial lender. The loan has been under review with the underwriters since XX/XX/XXXX, & still no decision. In the meantime, no payments or being made or accepted by XXXX until the review is finalized. They are sending someone to inspect the property on XX/XX/XXXX before they make a determination. XXXX   has been unorganized, added false info to my credit report, not reporting correctly of our agreed forbearance amounts/plan & they are showing all our agreed payments as unapplied. Numerous attempts have been made to resolve this matter but they have been unprofessional, uncooperative, & refused to correct or remove this derogatory info. It has negatively impacted me to move forward with restoring my situation. As of now, my case is still pending sinceXX/XX/XXXX. XXXX says the review takes 7-10 days, but it's been 60+ days, still no determination on their part. So we are helpless and continue to fall behind due to their unfair business practices & handling of my loan. As a veteran of the XXXX XXXX & the XXXX XXXX XXXX, I am appalled that they are able to treat our service men & woman this way & get away with it.
all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full.

XXXX XXXX card : XXXX - available : # XXXX XXXX  card : XXXX -available : {$10000.00} XXXX card : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX- available : {$5200.00} wells fargo card:XXXX-available : {$1000.00} XXXX  card:XXXX-available : {$6000.00} XXXX XXXX available XXXX Please help me
The account for XXXX was paid in full on XX/XX/2018 and disputed with XXXX. The account is closed and they once again added it to my credit file causing my score to drop 10 points. 

This was disputed and they are intentionally trying to ruin my credit. 

Account ending in XXXX. I have sent emails and they continuously do this. I am very upset. How can they continuously get away with this..
I work at a XXXX. When trying to order a payoff for a Comerica HELOC ( we had signed authorization to fax ) we were told by customer service that they will no longer provide payoffs to 3rd parties on Equity loans regardless of signed authorization from the borrower. We then asked the seller to obtain the payoff for us. When he called the lender, they told him they could not fax a payoff and would only provide it by mail and it would be 5 day turn around time. The seller then went to a branch of Comerica to try and speed the process up. They told him verbally the payoff amount, but would not print a payoff statement and told him they would mail it to him in 7 business days. I 've been in XXXX since 2000 and I 've never had this problem with any lender.
XXXX sold the debt to Jefferson Capital, and after selling it XXXX realized that the debt was an error and they sent me a letter stating the balance was deleted. ( letter attached ). And they also said they would take care of any third party vendors. Yet, even though XXXX did notify them, Jefferson Capital is still sending me a bill. I sent a copy of the XXXX letter to Jefferson Capital as proof I do not owe the bill, and they still are not removing it off my credit report. I am sending you all of the communication that I have thus far.
I am a new XXXX in MA and my pay is low relative to the cost of living in MA so I actively manage my accounts to make sure i do n't have overdrafts. Recently, I discovered Citizens Bank has XXXX ledger accounts. XXXX for the public which has a delay in reporting over the weekend and another which is in real time, which is not available to the public. I had XXXX overdrafts according to Citizens bank. My online account shows i had money in my account but their ledger shows I did not. Whereas I do not make a lot of money, if feel that I am being targeted by this bank for unjust fees because I ca n't keep a large balance in my account. It is an unfair practice that my account is assessed fees and they keep a separate ledger to take advantage of people who do n't make lots of money and ca n't maintain large account balances. I called the bank to get my money back but was flatly refused. This is a deceptive practice to make money and the this practices needs to stop. The public should have access to the same info they use to track funds. Not only do n't I have access to this real time ledger I ca n't even dispute their claim. I have to rely on their information even though my information, provided by them, does n't show my account going into the red.
I have been in Payment Agreement with XXXX XXXX XXXX a who purchased debt originally owned by XXXX/XXXX Since XX/XX/XXXX. I have made onetime monthly payments to them for outstanding amount reported on my XXXX   Credit report. However two conditions are not being meet under FCRA, # 1 the payments being applied are not being reflected in my credit file therefore changing the status as " current '' AND # 2 The amount due as reported online is not going down based upon timely payments.