WillisBack/dataset-financial-user-claim huggingface dataset:
I took out an education loan back in XX/XX/XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally two loans. One of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : 1.  The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
2. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
3. The past due amount should have been {$33000.00} Not the amount reported. 
4. They have positive payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XX/XX/XXXX. 

In XX/XX/XXXX I made two payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current one in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Amount reported : {$45000.00}, {$45000.00} also said a portion was charged off.
For XXXX XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from XXXX, XXXX, and Transunion as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.
XXXX sold my account to two different companies and it is now showing up on my credit report two times with two different companies at a {$1.00} difference. I disputed with no response.
This was removed from my credit profile because account was paid by XXXX XXXX the proof was sent twice to the supervisor of the collection agency and also to the client for which his collection agency is collecting for. Even though agency when I called they advised me if was removed again from my credit file it has not request this collection agency be fined for improper collections acts. This agency just reported to collection agency without sending a letter or calling prior to placing in my credit profile. Something should be done to prevent from happening
I was frustrated in my attempt to get a free credit report. 

Transunion is not offering an unambiguous free credit report. They require a credit card and make you subscribe to a {$19.00} monthy subscription. I submit this makes it " not free '' even if this money is refunded, or if the subscription can be cancelled before charges apply. 

It is a matter of intentional impediment to set it up this way. The consumer has no way of knowing how difficult it will be to avoid charges. Sometimes to cancel subscriptions a wrenching experience with the telephone is required, and there is no way to know if this will be the case here or not. 

They direct you to this link, XXXX XXXX XXXX XXXX XXXX XXXX : center : tu Please help, thank you. 
XXXX
I have settled a claim from XXXX XXXX XXXX that I owe a debt to them. I filed XXXX claim after I had spoken to many different managers at XXXX XXXX that claimed that my balance was at {$0.00}. No debt was owed as a result of poor service and I have communication from them attached, showing that the debt is no longer owed to them. Over the past 16 months, I have gotten MULTIPLE debt collection companies attempting to collect a debt that is not owed. These various companies appear to be selling this debt to other companies when they realize that there is no debt to collect. Every couple of months I get a new letter from a different company stating I owe them money. How do I get this to stop?
I have received several recent inquiries on my credit profile that I did not initiate. The credit reporting agencies did not protect my file by instructing the companies that i must be notified first before viewing my credit.    XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX
I saw an ad on XXXX that was talking about Loan Forgiveness, I called them and they consolidated my loans but charged me XXXX I am only paying {$39.00} dollars a month but this does n't really make sense to me. They told me in 4 years of paying my school loans would be forgiven. Is there any way I can recover some or all of what I have paid them if they are in fact scamming me?
Issue : Student loans by Dep of Ed/ XXXX  (  XXXX  ) are being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to  XXXX  who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans (  XXXX  ).     I last contacted credit bureaus in  XXXX   XXXX  about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during  XXXX  and  XXXX .
i had fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done and that violates my rights as as consumer, i reached out to transunionon more than one occasion to advise of my credit being pulled with out my permission. the listed inquires were pulled with out my permission XXXX XXXX XX/XX/17, XX/XX/17 XXXX, XX/XX/17, XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XXXX XX/XX/17 XXXX/XXXX XX/XX/17 XXXX XXXX XXXX  XX/XX/17 XXXX XXXX XXXX XXXX XXXX   XXXX  XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX XXXX
The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX does not have any documentation, they need to retract this from my credit file immediately.
The promotional period ended but the credit card company did n't send any information regarding the fact that the APR was going to change. When contacted the company told that the promotional period end date was mentioned in the statement. There was no time to do an opt out of the higher APR and the CC has charged me around {$3000.00} as interest. As I am enrolled in paperless statements, there was no emails/paper statement send out to me regarding this.
I opened a account with Coinbase about 3 months ago and after one month and a half I could n't transfer any bitcoins to other trading platforms because I do n't receive any SMS messages.I called the mobile provider and they said the problem it 's from Coinbase because I receive messages from anyone else which make sense.I emailed again Coinbase asking them nicely to disable any form of authentication so I can get my account back and after a week they said ca n't do that ( other exchanges can and sorted the matter within hours ) and the only thing I can do is to change my mobile number and I tried and it does n't work as well.Since last week I sent them 3 more emails and did n't get any answer.I do n't know what to do anymore.please help.
XX/XX/2018. 
XXXX XXXX XXXX XXXX ( Remex ) XXXX XXXX XXXX XXXX, NJ XXXX Telephone : ( XXXX ) XXXX Received numerus calls from this agency. Also just received a letter for collections for a medical doctor they represent. XXXX XXXX XXXX XXXX. Remex stated in the letter that I owed money for an outstanding bill. In their letter it states that they would like to resolve this matter prior to reporting derogatory information to the credit bureau. Called Remex about the claim as the balance doesn't correspond to any of the bill 's that I have received from the doctor. Remex proceed to tell me the inflated bill was because I had to pay a collections fee. I proceeded to ask for an itemized bill to show the amount owed and was told by Remex that I needed to supply them with my social security number and Medicare number for them in order to obtain an itemized bill. Didn't give them any private information and proceeded to call XXXX XXXX XXXX XXXX about an outstanding bill that was over a year ago. I was informed by their billing department that I owed no outstanding bill and nothing has been sent to collections.
My loan was transferred to Seneca Mortgage Servicing LLC ( NMLS ID XXXX ) effective XXXX/XXXX/2016 from another loan servicer. The Seneca Mortgage Servicing LLC transfer letter indicated I could use my bank 's bill pay program for payments. However, Seneca Mortgage Servicing LLC rejected XXXX bank bill payments scheduled in XXXX 2016. I called Seneca Mortgage Servicing LLC Customer Service on XXXX/XXXX/2016 and XXXX/XXXX/2016 after the XXXX payments were rejected. The explanations provided by XXXX ( XXXX/XXXX/2016 ) and XXXX ( XXXX/XXXX/2016 ) in Customer Service were not consistent with the transfer letter. I was told by XXXX Seneca Mortgage Servicing LLC does not accept bill pay payments from the borrower 's bank for a newly transferred loan until after the borrower calls and confirms the loan and contact information. I was later told by XXXX my loan was flagged for research. These unique restrictions were not contained in the transfer letter or posted on the Seneca Mortgage Servicing LLC website. Seneca Mortgage Servicing LLC should have accepted my bank 's bill pay payments for a loan in good standing at the time of the loan transfer.
In XXXX of this year, I had statements that reflected my payment was not due until XXXX 2017. They never placed the overage I was paying against any of the loans. I requested them to leave one month cushion and place the overage on my smallest loan. I pay before the due date and have late payments every month for they area simple interest loan ( highway robbery ) so why have a due date!! They took all the payments an placed on the loan making one month behind now and a rolling 30 day late and have crashed my credit rating. 

How can this be clear up? They are the worst company and govern reports that student loans never get paid back!! you should have a term loan not legalized loan sharks handling this ....
A collection account was made against my credit report. I disputed this with Experian and Transunion and they were deleted from my credit report. Dispute several disputes made with Equifax over the past year, and additional several dispute made recently. I have provided Equifax with Proof of payment was made before this was sent to collection. I have provided them proof from the collector, that this will be deleted, yet it still remains on my credit report. Equifax claims they have investigated this but can provide no proof of any such investigation actually occurred. All the evidences shows this should have been deleted a very long time ago.
On XXXX XXXX XXXX at XXXX I received a call from GSB inc ( XXXX ) XXXX. I agreed to make a XXXX payment for the medical bill currently held with GSB. I requested more information since the rep was indicating my debt would be sent to a lawyer. I was transferred to a supervisor ( XXXX XXXX ). I again indicated I would apply XXXX toward the debt. XXXX told me, paying that amount would not be acceptable and would not keep their lawyer from suing me. XXXX XXXX continued to threaten me that I would need to contact the lawyer and would not explain his threat of a lawsuit to me. I requested XXXX XXXX supervisor because I wanted clarification about the lawyer that was going to sue me. At XXXX on XX/XX/XXXX I spoke with XXXX - he indicated he was a supervisor at General Service Bureau Inc. I made a XXXX and requested additional information about the threat that I was going to be sued by the lawyer. I have not received any response from the company. After months of this company harassing me, repeated auto calls - some minutes after I made a payment, I now can not get them to contact me. This company has called me up to 5 times a day. I explained I will pay what I can to the debt. Before they threatened to sue me, I gave the company permission to leave phone messages. I was not attempting to avoid payment or the calls. A supervisor at GSB inc. threatened me that my payment would not prevent a lawsuit, yet I am unable to get a supervisor to call me back. Is it not against the law for a phone rep to threaten a lawsuit?
THIS DEBT WAS PAID BY THE VIRGINIA INJURIES COMPENSATION FUND TEL:XXXX
I was advised by rushcard of an update on XX/XX/XXXX between XXXX and XXXX XXXX. At XXXX XXXX that day i got an email stating it was taking longer than expected but would be up at XXXX. At that time, i was able to use my card, however my balance was not updating. my direct deposit was scheduled to hit both tuesday and wednesday, my balance still does not reflect that. i have no money to pay my rent, or feed my daughter. i need my money ASAP
I received a collection letter from PennCredit in XXXX XXXX regarding a delinquent utility bill from " XXXX XXXX XXXX or XXXX '' for {$240.00}. In addition, I received approx. 5 calls per day, every day ( even weekends ) regarding this debt. I responded back with a certified letter disputing the debt due to identity theft, and did not hear anything back until today ( XXXX XXXX XXXX ) when I received several calls related to this debt. It would appear that PennCredit chose to ignore the dispute of the debt and is still attempting to collect on it, despite violating FDCPA.
I 'm XXXX XXXX, I 've been trying to solve this problem going on a year now, since I 've filed Bankruptcy 2014 and nothing is cleared off my Credit File, I filed a Chapter XXXX and it was discharge nothing has been remove from my Credit File, all XXXX Credit Bureau keep transferring my information to each other NOT deleting, I also request to have the fraud alert remove from my Credit File and it has NOT happened, I 'm I 'm filing this complaint because I 'm getting the run around
I have requested that Equifax remove inaccurate information from my report since XXXX 2016. Not only are they reporting false information that I have requested verification of debt on they have failed to provide to me. They just keep sending me letters saying that they verified the debt but no proof. They also have the same accounts on my report XXXX which is negatively affecting my score and causing me great XXXX. I contacted the federal trade commission they advised me to write them and give them a chance to correct it and they have failed to do so I will attach the XXXX accounts and proof that I sent everything certified mail. I have asked them to provide me contracts and signatures saying that I had an account with XXXX XXXX and XXXX XXXX XXXX. Why are these on my credit report XXXX for the same amount and they fail to fix it. I have spoke with a lawyer my first step is you and my next step is to sue. This is causing me great XXXX. Please help me with this situation attached is the proof. Please take a close look at how these items are on my report XXXX for the same amount for the same company. I do n't know what else to do I have contacted them numerous times. They can not verify that I had an account with XXXX XXXX or XXXX.
In XX/XX/XXXX I leased XXXX XXXX and in XX/XX/XXXX, I returned this car. I leased XXXX XXXX XXXX from XXXX XXXX XXXX. Before I leased this car, they run my credit history and never missed any payment and have an excellent credit history. 10 days ago I received call from the company All Trans Financial, Phone number XXXX. XXXX XXXX threatened me that they I owed money. I explained him, that I can not get new car from the same company if I owed money. Every month money goes directly to XXXX XXXX  from my checking account. XXXX not only threaten me also told me that Trump can deport you. He called me many times to my house and my cell phone. I did not owe a single penny to XXXX XXXX. You can check my credit history that my XXXX account closed and never make any late payment. Please stop them to play with my credit history. I explained XXXX that why XXXX company never called me and they gave my new car if I owed any money. Please help me. I XXXX XXXX in University and never owed any money.
Credit report shows two different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is XXXX digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found XXXX different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.
I received XXXX suspicious emails from NetSpend regarding a debit card account that is held by a complete stranger. They refused 4 times to connect me with their Fraud Department in order that I may ask them to look into the matter. It appears that they are unconcerned with potential fraud within their accounts, and suggested that my local police should be responsible for any investigation. I consider this negligence on the part of NetSpend, and think they should be required to clean up their affairs!
I keep getting a call from XXXX saying that they are representing Tier 1 Capital LLC and that they are going to send me a summons for failure to pay on a payday loan that I did not take out nor do I owe. He was trying to confirm other personal information. They are also calling my husband 's phone. 

The numbers they are using are:XXXX and XXXX.
CRA VIOLATION / INACCURATE INFORMATION REGARDING NAME, ADDRESS EMPLOYMENT NOT AUTHORIZED BY ME APPEARED ON MY TRANSUNION CREDIT REPORT.
Contacted Honor Finance on XX/XX/XXXX regarding 2 hard inquiries done XX/XX/XXXX. The one I asked them about was XX/XX/XXXX. The company person did not explain why they ran a hard credit check twice, once on XX/XX/XXXX and XX/XX/XXXX. I explained to them that I would like the XX/XX/XXXX removed due to already getting one done XX/XX/XXXX. They refused, so I would like to dispute this.
Portfolio Recovery Associates are attempting to collect a debt that isnt mine. They claim I owe {$490.00} for a XXXX XXXX card that isnt mine. I share the same name with my father who passed away last year and I know he was going through financial hardship. I truly believe to the best of my knowledge that he is the one who owed that debt, not me. They have place a collection account on my XXXX and XXXX credit report.
XXXX XXXX XXXX Account XXXX COMMONWEALTH FINANCIAL Account XXXX I have no idea who these companies are or what this debt is for. I have no written documentation, billing information or any details of these. I have disputed with XXXX  to no avail.
Was sent a letter in XXXX dated XX/XX/2017. Stated that my account was referred to branch manager for legal review. That they expected me to pay within 10 days of that date. Otherwise could result in direct garnishment plus legal fees. Please don't make legal handling necessary. I am on XXXX receive $ XXXX  month. This was a scare tactic.
According to the response to my complaint, BBVA-Compass stated my mortgage was discharged XXXX XXXX, 2014 because my account ( # ... .XXXX ) was 133 days past due. 
I dispute the claim that my account was 133 days past due on or about XXXX XXXX, 2014. Copies of checks which indicate that my mortgage was current at the time BBVA-Compass discharged my mortgage.
According to a number of recent articles released today, such as ( XXXX ), Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.