WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX tell XX/XX/XXXX My student loan from XXXX Department of Education shows DELINQUENT or PAST DUE OF 90- 120 days, which is not correct. 

I had emailed XXXX Department School Loan and I have proof of the email as well, and also a email with a response back from XXXX Dep Education employee named XXXX XXXX and XXXX XXXX, stating that your FORBEARANCE has been APPROVED and my next payment is not tell another 4 months and I am not required to make any payments at this time and it will not affect my credit or interest rate as it is a fixed interest rate. 

Knowing that my foreberrance is approved, as I can not make any payments being in XXXX XXXX and being a XXXX XXXX XXXX XXXX at XXXX XXXX University, XXXX continue not to make any payments. 

I got my credit run by Homeland Security Immigration Services in WA DC for school clinical related reasons. I was then notified that my School Loan from XXXX is showing Delinquent by 120 days. 

I then again had contacted XXXX, sent over all the documents and proof showing that my forbearance was approved since I am in school, and sent a letter explaining what happens and that I should not have any late payments showing on my credit, I was told that it would be taken care of by XXXX XXXX XXXX Employees, I checked and that never happens. 

I then called again around XX/XX/XXXX to follow up with everything and I was told that XXXX XXXX XXXX is working on it. 

I recently checked my credit again, and its still showing 120 days late, and it shows 9 LATE PAYMENTS since their are 9 small subsidized and subsidized loans.

This makes my credit very bad and me personally look like an irresponsible person and also as a XXXX XXXX, which I do not want and I am not either. 

Please get this issue resolved and removed from my all of 3 Credit Reporting company 'S including Experience, XXXX, and XXXX asap, I WOULD LIKE THIS ISSUE RESOLVED.
I had thought this situation was resolved. I was on my XXXX XXXX and see XXXX/XXXX XXXX says I have a balance of {$440.00} with a XXXX limit. This account was paid for and closed to my understanding so I do not know if there was fraud involved or what the situation is. To my knowledge I do not owe them anything. They are saying that I had months of late fee 's however I had paid this off and closed the account so how can I have late fees after the account Is closed? 

I am hoping this situation can be resolved so that my credit can appear accurate. 

If I do owe anything it would be very minimal but I don't believe I owe them anything for the reasons stated above. 

Thanks, XXXX
they have been raising my payments and when I call to speak with them they are very rude and get upset because I speak XXXX. I called you all and told you about my complaint and I have my daughter checking for the report number but it say I don't have a complaint number can you please call me XXXX XXXX  speaking please
Never have been a XXXX XXXX customer. I was at ahelter during the time they provided the servive in dispute.
Constantly chase bank witholds my information to  XXXX , a payday app.. they donot give my oayday infirmation as it has to be done they give it too late resulting in me not being able to borrow from my check, ive called chase in numerous occations asking how this can be fixed and i never get a deffinitive  answer. Please push chase bank into updating my account info with  XXXX  so i can live at peace.. thank you !
I received a letter from XXXX XXXX dated XX/XX/2017 and less then 1 week a collection was placed in my credit reporr in a clear violation of the FDCRA but the worst part is that XXXX amd EQUIFAX allowed XXXX XXXX to place an incaccurate account open in a lapse of time I was not living in the address and obviously opened using my identity. 
The date show XX/XX/2017 and during that period i was in a shelter for over 1 year since XX/XX/2017 as shown in a residency letter. 
The account number is XXXX as appear in the collection letter for XXXX with XXXX as original creditor. 
XXXX AND EQUIFAX violate the FCRA by allowed the collector to place imaccurate and false infornation in my credit report without any supporr or verification.
The Bankruptcy on my Experian report should be removed immediately, it is unlawful to have a third party furnishing the wrong information on my credit report. As it can be seen, nothing showed that I have debtors/creditors/collectors that are included in the BK what so ever, therefore it has to be removed ASAP. The Bankruptcy courts do not affiliate with credit reporting agencies as I was told in writing from the court itself, and I have shown you the proof before. Should you not remove this frivolous action reported on my credit report, I will have to contact the court to order Experian for a removal, and I will file a lawsuit against your Bureau for the all the years and damages that was caused to my credit. Experian keep saying that they got the information from a third party which is unlawful by FCRA LAWS, their answer has been always the same.
The following companies, and their customer service would not help and take care of the negative inquiries reported to your credit report. I have disputed information on numerous occassions, and these inquiries were done quite excessively. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Also the account with Santander Consumer USA has been closed as of XX/XX/XXXX and they have sold the vehicle without my knowledge of doing so, and have an incorrect amount listed that is due.
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION TRANSUNION AND XXXX DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Hi, I have been monitoring my credit scores with Transunion and XXXX. I have some derogatory credit history ( including a settled judgement ) caused by periods of unemployment. Consequently, I am not able to get much of a credit line. However, I am maintaining a credit card account with XXXX XXXX. I have a {$500.00} line of credit with this card and use it frequently for small purchases. I often use nearly all of the available credit. Then, I make a payment of typically $ XXXX dollars well in advance of the due date. My credit sources inform me that both Transuion and XXXX have lowered my credit score because I used nearly all of the available balance. My question is this : If my score can be lowered for using nearly all of my balance, why do I not earn points for paying ten times the minimum and paying it two to three weeks in advance of the due date? This is clearly an unfair business practice and, I believe, grounds for a federal lawsuit for defamation. 

XXXX XXXX
On XXXX XXXX, 2016, I contacted XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX NM XXXX. Through their website I applied for an auto loan for a used car. A short time later I received a call from XXXX XXXX. XXXX said he was employed in the Finance department at XXXX XXXX XXXX XXXX. He said " You 're approved for an auto loan '' with us. He mentioned payment amounts with a wide range. Since I had not yet specified a vehicle, I could not figure out how he could quote me payment amounts. Regardless, I told him I would review the financing offer, continue looking at this inventory, and let him know. 
After several hours when I had not gotten the financing offer, I reached out to XXXX XXXX again via email to find out what the delay was. I received no answer. The next day when I still had gotten nothing, I reached out to my salesperson, XXXX regarding the financing offer. She responded that she would have XXXX XXXX send me the correct info. He did n't. Since the date on which I applied for credit, and today, its ' been more than 10 days. During that time I have requested the specifics on the financing no less than 12 times!!! I have asked verbally on the phone, via email from both XXXX and XXXX and via their chat service. As of now I have NEVER gotten anything verbally or in writing to tell me what the results of my application for an auto loan was. As of this morning I have stopped trying to obtain this information from the dealer and have elected to file complaints regarding their deceptive and illegal financing practices. As far as I am aware, whenever a consumer in the USA applies for credit, they are to be provided, upon request, the information related to the outcome of the application. If denied, there must be a way to request the reason for the denial. If approved, the consumer must be provided with the information to make an informed decision, i.e. interest rates, financing company, additional fees if any, etc. NONE of that information has been provided despite more than a dozen requests to do so. 

Please feel free to contact me for any additional questions or info you need to move forward with this complaint. I can provide copies of the emails we have exchanged back and forth with my numerous unanswered requests for information. 

Sincerely, XXXX XXXX
My personal information was lost as part of the Equifax breech. The company 's handling of this issue, from the lack of adequate security standards, to an unacceptably long time before notifying us of the breech ; was totally unacceptable.
In addition to Experian NOT completing my disputes using the information I provided, I was charged to use Experian.coms website to get my supposed free results of a dispute XXXX months ago. I was sent an email and a link to see results of my dispute and when I hit the link, I was given a response of " We can not provide your results online at this time ''. I asked a rep why this was and they suggested using the experian credit tracker instead. I was told I had to give credit information and was charged each month since almost {$25.00} per month. I called a rep today to cancel this and asked for a refund and was only given XXXX month as a " Courtesy ''. I am sick and tired of dealing this this company. They continue to tell me my disputes are frivolous, they charged me for a free result of a dispute result and they send me form letters saying they will not honor any of my disputes unless I provide new information. I 'd love to be able to, but they continue to validate numerous XXXX accounts and Court records using false information, then telling me it came back verified. Why are XXXX and XXXX able to do manual investigations and Experian not? They are clearly not investigating using the information I have provided and match these accounts with my name only, never looking further to see that the name XXXX XXXX does not legally exist or was ever attached to anything on these accounts with me. Then to add insult to injury, they tricked me into paying for credit monitoring to get results from an investigation I did back in XX/XX/XXXX of this year.
Hello, I called My bank Pentagon Federal credit union at the end of XXXX asking if I wanted to pay the cash advance from the balance transfer I had how can I do that. The member service rep told me. # 1 Stop making purchases on the card. So I cut the card up. # 2. Any additional money paid to the credit card would get applied first to the cash advance and then to the purchases. # 3 the agent mentioned I should transfer the cash advance balance to a 0 % interest card to get that paid off if it was fee-sable. I said great. I ended up opening another card with another company to transfer the balance of the cash advance. 

The company I opened the transfer with sent pentago federal a check for {$4000.00} I looked at my statement today and i noticed that I'm still showing the purchases and I'm still showing the cash advance. Both have the same interest rate. I told them they should of got rid of the cash advance and only had the purchases. 

Purchases 13.99 % {$2500.00} {$29.00} {$2500.00} Cash Advances 13.99 % {$2500.00} {$30.00} {$2600.00} They Specified per Government regulation that they had to do it this way. So I would like to know if this is indeed accurate or if they could of applied it all to the Cash Advancement and any remaining to the purchases. 

Here was there response to me. I'm not satisfied since I did what there rep told me to do to try to clean this up. 

Upon speaking directly with our credit card department, they stated the following : When payments are made over the minimum, the remainder will be applied to the balance with the highest interest baring balance. If 2 balances are at the same APR, we split the payment between the 2. There are numerous outstanding purchases on this card. Purchases and Cash Advances ( or expired balance transfers ) are at the same rate, therefore the system split the payment between the 2. 

Unfortunately, the Member Service Representative you spoke to may have misunderstood the situation and provided incorrect information. 


Please let me know
Good afternoon, I received a call from two phone numbers today. First, XXXX, stating her name as XXXX and that I was on her list for being served in the next two days. She left me a number to call back, XXXX. When I did, I spoke with someone named XXXX, XXXX, I couldn't quite understand her name. She had my full social security number, full name, and stated I owed over {$3000.00} to US Bank and that I would be served, sued, and even possible jail time in the next two days. She also  mentioned that the previous call from " XXXX '' shouldn't have happened and it must be her " first day on the job as we were not supposed to hear from her, it was just supposed to be a surprise when my paperwork showed up. '' What?? Not my kind of surprise. I haven't held an account with US Bank in close to 7-10 years. I do not have any delinquent accounts with this company. When I asked her to state her name and place of business again, she claimed she worked for XXXX? And that they barely make any money off small accounts like mine, it was mostly big real estate deals, and then she said she would see me in court and hung up. I am concerned because of the information she had about me. This is just ludicrous.
My phone has been ringing off the hook the entire month of XX/XX/XXXX. I receive phone calls every day, multiple times a day from a company called " Diversified Consultants '' a debt collector, for a debt that I do not owe. 

I have repeatedly blocked the numbers calling me, and the very next day after blocking the numbers calling me, I will receive calls from a new number, but from the same company seeking a debt that I do not owe!!! Every single time they call me phone, they never ever leave a voice mail, but they continually call me day after day after day with new phone numbers. 

As of XX/XX/XXXX at XXXX XXXX E.S.T., I have been called a total of 21 times, by 13 different phone numbers, all of which belong to Diversified Consultants. 21 times in 29 days ... That is beyond excessive and absurd, and to make matters worse, I DONT OWE THEM ANY MONEY, NOR IS THIS A DEBT THAT BELONGS TO ME! This is a SCAM! 

I am contacting my attorney and filing a lawsuit for harassment, and as soon as this is published, and they are notified via XXXX XXXX XXXX XXXX, they will be also receiving a certified letter in the mail, notifying them that they are being served. I will have my peace of mind! These scammers need to be taught a lesson. 

These are the phone numbers that they use to call, and how many times they've called using these numbers so far for the month of XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have called me on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There is still one more day XX/XX/XXXX, and I can bet they will call me at least two more time before the month is over. 

This company must be stopped and will pay dearly in court due to their gross harassment.
I had an account since XXXX 2012 with capital one auto. After XXXX years of paying on the loan capital one began harassing me with several phone calls a day and now text messages. I also have a late payment that I disputed with them after a representative stated they only mark your account late if the payment is n't in by the end of the month for reporting. I also was promised paperwork to restructure my loan and then I was told it was n't sent because I stated I would be hiring an attorney.Company has called over a XXXX times back to back. I have enclosed only a handful of calls.
I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any bill only harassment phone calls
I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have XXXX to remove these inquiries from my report.
Hello, I am trying to resolve an issue with a charge from XXXX XXXX in the amount of {$990.00} for services not as described, details enclosed for your review. 

ThanksXXXX XXXX
I filed bankruptcy XX/XX/2015 I continue to get calls from these debt collectors even though the charges have been dropped. When I answer there is rarely anyone on the other side and they call often
LOAN # XXXX OCWEN LOAN SERVICES4 Months ago we request Hamp Loan Modification : XXXX this is XXXX XXXX XXXX XXXX on XX/XX/XXXX our business suffered a financial loss therefore I had requested to Ocwen Loan Services loan modification on our Home. Bankruptcy or Fore Closure is not an option we are willing to take. We have enough equity and after XX/XX/XXXX New Job. We had contacted Ocwen for the loan modification, they had advised to us to stop paying for the loan, since they said this had to be done in order to qualify for the modification program. I ended up checking my credit report, and they had reported it and my credit score took a huge hit. This has also created more damage in our business since now I can not apply for anything. We have still yet to hear back from Ocwen in regards to my loan modification Status after 4 Months. I want to file a complaint & maybe if somehow someone from your department could look into this, I would greatly appreciate it. Also, are there any options I have available in order to avoid foreclosure of my real estate. We only need loan modification ut it seems nearly impossible, Ocwen do not assist in any way and they never respond to us with any offer after 4 months we send all documents via e mail pdf, XXXX certifided mail, etc.. 
XXXX XXXX XXXX XXXX XXXX
There is an old address in my report. I moved out from this address since 2008. The address still appears in my report for over ten years at this point.
This is my 3rd complaint I 'm filing against the Vermont Student Assistance Corporation ( VSAC ). This is not a duplicate complaint, as VSAC asserted when I filed my 2nd complaint in XXXX XXXX. To note - I have escalated this matter to my State of Vermont Legislators and they were somewhat helpful. My emails reporting this matter to some members of the VSAC Board of Directors went mostly ignored. 

XXXX XXXX, the General Counsel for VSAC, has stated that VSAC will not allow me to utilize the remaining months of reduced payment forbearance that remain on my private student loan accounts. When I have inquired why not, he has provided the explanation that I have not provided a plan to make full monthly payments as " required '' for forbearances to be granted. When I have questioned this policy, as it was only this past XXXX that I was told by XXXX XXXX that I needed to submit a plan to make full monthly payments with my request for reduced payment forbearance, XXXX XXXX has dodged my question and to this date, has not provided a reasonable explanation as to why I 'm now just being required to submit a plan to have forbearances approved. 

On XXXX XXXX, in response to a letter I received, I did submit a plan to make full monthly payments starting in XXXX. To note, I had provided a draft of this same plan in a previous email, but it was ignored by XXXX XXXX. The plan provided on XXXX XXXX, provided an outline to resume full monthly payments, is based on my projected income vs. expenses for XXXX, and is based on being able to utilize all remaining months of reduced payment forbearance. XXXX response to this plan submission - which he requested - was an implied no that VSAC will not allow me to utilize my remaining reduced payment forbearance months left on my account. 

At this point, I believe that XXXX, acting on behalf of VSAC, is purposefully making things difficult for me because I have questioned his contradictory statements over approvals of reduced payment forbearances and pointed out his inconsistencies and delays to responding to my questions. I believe this behavior is not only unprofessional, but unethical. I have reported XXXX continued difficultly to his superiors - the President and Vice President of VSAC. To date, my emails to them have gone unanswered and I still have not received a reasonable explanation as to why I am being told - over a half a year in advance - that VSAC will not allow me to utilize reduced payment forbearances in the future even with a plan to make full monthly payments submitted.
a debt collector that is not licensed in my state is attempting to collect a debt they do not own I have asked via USPS certified to provide me proof that they in fact are the creditor and provide proof that I own the debt as well as proof they can collect in my state they have failed to provide me with that information.
Equifax discovered that from midXXXX through XX/XX/XXXX their files were accessed by individuals outside of the company. Because my personal information was stolen I believe Equifax should be liable in the event that I am harmed by this data breach. I do not know the extent of the damage as of yet and I may never know.
I applied to receive my free annual credit report and was denied. The site asked me what company I received my mortgage loan from, what month those loan payments fell on and how much those payments were monthly. I 'm XXXX and do not have a mortgage nor a need for a mortgage loan, nor have I ever applied to receive a loan from any bank at any time.
This has been removed and keeps popping up with different collection agencies on my credit report. I do not owe this nor have they responded to repeated attempts to validate and prove this is mine.
I have a big problem with freedom mortgage im trying to save my home I asked for help from them with a modification I am complying with everything they asked I even have a hud counselar working with me they stated I have something on my title that was about 6 or 8 years ago I was not living in the house that long they stated whats on my title is a judgement for XXXX I paid it years ago I even went to civil court to get a copy the bank is telling me they can not accept it the courts is telling me I have no judgement this is what they can give me I gave it to the bank they are not accepting this was years ago its paid I showed my proof im trying so hard not to loose my home but I feel they want me to I need some help from someone