WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX, the company name is Regional fin., out of XXXX .and XXXX and XXXX, XXXX, there were located out side the XXXX XXXX XXXX , I return from XXXX, needed money to get home to XXXX, the company I.D . they self as XXXX, so this might build my Credit, I did not read fine print, all I want was the Monthly payment which was {$94.00}. for 18 months. I could do this. So I took out the loan XX/XX/XXXX, I kept paying the {$94.00}. monthly fee even when I was XXXX. So I stop ever thing XX/XX/XXXX, when I put in to my calculator {$94.00}. X XXXX = {$6900.00} to date. When I question them about it, and how much, I still owe, I want to pay off, they said I still own like {$1500.00}, on loan, I was confess then. So I went back to XXXX, that I show them and they took it away and shrewed ( cut it up ) it was 640 %, now it 's 450 %, but because I did n't pay off in the XXXX three year, and the Government say, they can not charge 640 %, But could charge 450 % + {$300.00} for Service fee, + {$200.00}. for application fee, which bring it up to {$1500.00}. + interest = {$1800.00}. total amount to be finance. So my payment was due XX/XX/XXXX, but because I was researching, and checking into my problem, of signing into this company, they started Collection Proceeding again me early.. Like I say payment was n't due till XX/XX/XXXX, on XX/XX/XXXX, they started calling me at the business place they are ( seniors, also ) contractor for Post Office, contracting me at the V.A. even trying to force they way in, while I was in bed getting treatment, called friends ( with hassizment ) and other, my phone I kept all phone calls by Regional Fin., Voice mail, internet mail, must be XXXX phone number they have for collection. Some day it XXXX calls night and day till now XX/XX/XXXX, threats and to do harm, by sending in XXXX XXXX, to collection from my home, over and about what I own, I tried to get help here in XXXX and XXXX, XXXX, even the Police are scared of the gangs, no attorney will take the case. I just turn XXXX year young XX/XX/XXXX to XX/XX/XXXX. CAN YOU HELP. thank you XXXX XXXX of XXXXXXXXXXXX my cell phone number is XXXX
I filed for Chapter XXXX bankruptcy in XXXX of 2017. The courts were automatically taking payments out of my payroll checks ( bi-weekly ). For some reason in XXXX of 2017, the courts dismissed my case. My creditors came after me for payment and I settled with most of them. 

My complaint is that I would like for the negative public record to be removed from my credit report. 

The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Can you please check in to this and provide me with an update? Thank you!
In XX/XX/XXXX I had a loan with XXXX XXXX to pay my son 's XXXX XXXX XXXX tutoring. I was a co-borrower and the borrower has past away. I have tried to make payments and the balance never goes down. In XX/XX/XXXX the balance was still over 8000 on a XXXX loan. I feel that this is invalid and I am being scammed by Navient/XXXX XXXX.
Midland Funding called me attempting to collect a debt they say I owe. I tried to convince the lady they have the wrong person but she ignored me completely acting as if I 'm lying.. I finally hung up because she kept asking for my social security number and phone number. I told her since they called me she should already have my information. I figured it was a bogus phone call but then today I was notified they placed a Collection on my Credit report. I ca n't understand how companies can do this with NO proof of any kind.
On XX/XX/XXXX, I sent a debt validation letter to this company asking them to validate this debt they say I owe them. I have NO LEGAL BINDING CONTRACT with AD ASTRA therefore they need to cease communication with me as well as remove this account from my credit file.
I disputed a collection from XXXX which they claim I paid my debt through them. which I did n't I paid my debt through XXXX. I want the collection taken off of my credit report. I have proof on XXXX/XXXX/2015 I paid my final payment too XXXX for XXXX XXXX. have stated I paid them when I did not I have paid my debt through the original debtor
I received a bill from XXXX XXXX XXXX XXXX at law trying to collect {$10000.00} on an account that there was no judgement on I received a letter from Discover where they advised they were not attempting to collect due to the credit card had XXXX insurances after more than 6 years after the fact I have an attorney writing wanting me to settle on a debt that is not owed and is past the statue of limitations for the state of Mississippi to collect on
A door to door salesman for  XXXX   XXXX  came to our door and signed us up for an account. the account did not have as fast internet as promised and we cancelled within 1 week of signing up. We were told over the phone by  XXXX   XXXX  that no money was due and we were free of our obligation. When I viewed by credit report, I see a charge from  XXXX   XXXX  in collections. I called the debt collection company and they gave me the account number to resolve with  XXXX   XXXX . When I call  XXXX   XXXX  with that account number it comes up as a different person 's account.
On    XX/XX/XXXX  , I  got an email from USAA advertising their 0 % for a year promo for balance transfer, and if I acted by  XXXX   XXXX , I 'd get the 3 % waived. I found out today that I was charged the 3 % when I asked why, they directed me to the fine print that it has to be POSTED by the  XXXX , not initiated. I told them that was deceptive because I had no control of when they posted anything, they could deliberately hold posting beyond the  XXXX  to get more fees. I also asked them why 'd they send the offer on  XXXX   XXXX , knowing I could n't take advantage of it since it takes many days to process.. After an hour, I was basically told tough   XXXX   XXXX   XXXX  . They refused to cancel the balance transfer, refused to refund the 3 %. They told me I was free to pay the credit card off, but they 'd still get the 3 % I got transferred to the escalations department. I want to point out that I just wanted to take advantage of the offer. I never pay credit card interest, and never carry a balance so when they stole 3 % from me, they cost me money, not save it. Given that, as the consumer, this was n't clear advertising, but default they should be forced to make it right. When you initiate a transaction with a bank online, you do n't anticipate them to take a week to process it. Given the facts above, I ask that you submit to USAA and request them to make this situation right.
In 2013 a have singed off my paper work for withdrawal from XXXX XXXX college in XXXX XXXX XXXX, this was a recommended procedure from carrier services because I have a job offer in a different city, at that moment I was confirmed/ instructed by this school the indicated procedure to avoid any charges, I have financial aid to cover my tuition, I 'm paying on time every month for it. XXXX college have put in collection amounts about my tuition, the information provided to me at that time is completely different today. 

I did contact with the school and I 'm still waiting they contact me back with any information, contacted the collection company the ask me to contact the school. 

1. - I had completed ( on time ) my paper work for withdrawal from the college. 
2. - I had done the procedure the school recommends me to do. 
3. - Amount mentioned do not make any sense, since I only had attended to XXXX chases. 
4. - actually I 'm paying for government financial aid for XXXX dollars. 
5. - Every month ( 3 month ) at school I did a payment for the difference between what the financial aid on my tuition. 
6. - They have in my files all my paper work including my official withdrawal ; I have never stopped attending to School. 
7. - A company is calling me and sending letters about collection from this school, I have asked to dispute the amount but they say I had 1 month to do it, this company called my about 2 years and 1/2 after and they stated they do n't have nothing to do If I ca n't dispute this case because the time is expired.
Nelnet has now systemically and consistently demonstrated negligent and fraudulent practices.

Nelnet misapplied a {$30000.00} payment which caused great financial stress and hardship.

Since that time, Nelnet managers and advisers have consistently provided false and misleading information when I have asked for all my options to assist with repayment. 

In the most recent incident occurring between XX/XX/18 - XX/XX/18, I called this shameful group to discuss options for repayment. I explained to this company that I have been filing applications for borrowers defense since I went to a " for profit '' university who I charge made misleading statements regarding my job prospects, income prospects, and so forth. The manager, XXXX, said that Nelnet receives applications from borrow defense " within 24 hours '', which turned out to be a viscous lie. Another manager confirmed that Nelnet receives the request whenever the DOE sends them.

I explained to yet another manager that due to all of this, I have been homeless for the last 5 years. I explained my situation and she advised me to consolidate all my loans so I could qualify for a low income apartment grant. I was absolutely shocked and sickened to find out I could do this directly with the DOE. Further, Nelnet has lied when it said that my only other option was to put all loans on " administrative forbearance ''. AT NO TIME did they tell me I could consolidate into an easier payment plans. Nelnet has consistently advised me that I am ONLY able to consolidate with PRIVATE lenders.

Nelnet did not at any time advise me that this was an option. Had I known this, I could have not been XXXX for the last 5 years, could have avoided massive interest assessment, and could have begun a reasonable repayment plan. Shame on Nelnet.

I have spoken with an attorney and, despite using what little money I have to stay warm and get food, I will use that money to take legal action against Nelnet if this issue is not resolved as soon as possible.
I have an auto loan with XXXX. The vehicle I have discovered is only worth about XXXX however the loan is out for XXXX. This is due to thr high interest rate and overstated price at the time of purchase. I fell behind on payments. XXXX called me numerous times. At times over XXXX times a day. I did eventually make payments but also was told by Drivetime that they would defer my late payments to help me out. A few weeks later, XXXX repossessed my car. There are exhorbitant fees charged equal to entire car payments. Buying. Car from XXXX is not like buying a car from other places. It is a bad deal and impossible to improve your credit from.
Capital One and I have continued to have a tumultuous relationship. I have only had 1 credit card with them. Due to personal reasons, I was unable to pay the balance. However, I still paid them the balance, but they continue to send me notices from other debt collection companies stating I owe them for a card that I 1 ) do not have, 2 ) paid off in XX/XX/XXXX, and 3 ) was never actually supposed to pay due to XXXX XXXX XXXX and unemployment. 

Their negligence and inability to provide proper service hindered my ability to return to XXXX XXXX in a timely manner, prevented me from securing housing at a pivotal time in my personal and business career, and to date, they have refused to acknowledge their faults. 

Additionally, they are not working against me with XXXX XXXX and XXXX   XXXX XXXX and XXXX as well as another auto dealer in XXXX XXXX XXXX. These 4 actors are, to this day, refusing to take credit for their negligent and fraudulent acts that have kept me from securing personal loans, a business vehicle, and other necessities required to get my personal and business life on track. I refuse to pay, or be the victim of sedition and libel for mistakes of agents that are unethical. 

The issues with my credit on the auto side originated at the XXXX XXXX branch. I met with a business banker and explained my ENTIRE business plan, and she, while kind, led me to believe that by doing a " soft '' credit check, there would be no hits to my credit by checking on a business vehicle. The actor following that transaction was XXXX " XXXX '' at XXXX XXXX. He promised he would not use my credit and only use the information on the form from Capital One. However, once I arrived at the dealership, nothing could be further from the truth. These two companies, and these two actors, in conjunction with one another, are the reason I don't trust banks, auto dealers, and based on how hard XX/XX/XXXX has been, the auto industry in general.
High Point Asset called my employer and told them they are trying to contact me to collect a debit. My employer took the phone number for me to call them back ... this was very embarrassing. the number is XXXX. I called them back and they tell me the are collecting a debit for XXXX XXXX from a loan 4 years ago, this is the first I have heard of this company and do not remember taking a payday loan from this company. Why would a company wait 4 years to try and collect a debit if it was a legitimate debit. I believe this is a scam.I had my identity stolen last year and a false tax return was filed in my name. They sent me an email after I asked for proof of the loan but it does not prove anything, does not even include the original creditors address or phone number.
To Whom it May Concern : After viewing a copy of my credit report I noticed three collection accounts placed on my credit report from you this in 2017 with the same account number # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Regarding the Equifax security breach, I checked my information at XXXX which resulted in a positive response - my information may have been impacted. This company has mishandled my information, which puts me and  millions of other people at risk. Placing a freeze on my credit should be free and should not require a police report. Prevention over reaction is a much better approach to this type of sensitive information.
I have a problem with Wells Fargo Bank. I am a resident of the state of Minnesota. My mother appointed me as her Power of Attorney under a Statutory Short form Power of Attorney XX/XX/XXXX.I had used the Power of Attorney several time at the local Wells Fargo bank until XX/XX/XXXX when my Mother died. XX/XX/XXXX, I added a Payable on Death designation to my Mother 's checking account at Wells Fargo bank in XXXX, XXXX. I met with a banker and filled out the payable on death designation adding myself and my sister to the account and signing as Power of Attorney. It was reviewed by the banker and I was told it was " good to go ''. From that date on, the monthly statement that were sent to my Mother/ and now to her estate, listed the P.O.D. designation on the statement. 
After my Mother 's death, when my sister and I attempted to access the funds as they were payable on death to us, the representative at Wells Fargo told us that the P.O.D. was not valid because my Mother did not initial the P.O.D. designation. In trying to argue this with the local bank we were told that the local bank could not do anything and there was no one at the local bank who we could talk to about this. We were told that this was the advice of their legal department. When we asked to talk to the legal department, we were told that we could not talk to any XXXX directly and that Wells Fargo could not disclose the name of the attorney nor the telephone number of the office where they worked. Instead we were told our only remedy was to fax a letter to XXXX XXXX to a " mythical legal department '' and that someone, some day will get back to us. When we asked how long it would take before we heard from someone they could not give us any time frame. 
In the end we have concluded that it will be faster to probate my Mother 's estate to access this money so that we can pay for her funeral and other expenses resulting from her death.
I did a credit report check through XXXX, and it's lists an Bank of America account that I've never used but states a balance of {$14000.00}. I have never used this account. I believe it is fraud.
Bank of America Accounts compromise, Bank of America personal checking account, Bank of America Business DBA Account, Bank of America Merchant Account, Bank of America XXXX XXXX IRA, Bank of America secure Platinum Credit Card Account, Bank of America Home Loan Account. My accounts compromise, without no reason code, tried to close My accounts. I have all the legal documents for my accounts, My accounts have large legal payments, verbal, written, Documentation for all my Bank of America Accounts. Documentation has been filed with the irs, tax, Congressman XXXX XXXX, XXXX
I refinanced my Loan in XXXX of 2014. We bought the sales promotion of XXXX and tried to do a refinance through them, only to find out that every time XXXX of the banks called they would pull a credit report without permission from us, thus lowering our credit score. Making it more profitable for the banks because they would now be able to give us a higher interest rate ( conflict of interest ) So my issue with the credit reporting companies is the use of the review or a credit as a part of the formula for a credit score. This is creates a vicious circle and allows the credit companies originally developed by banks to keep you with or in your current loan. When a customer shops for a loan, they need to talk to a bank, the credit score is then pulled, lowering your credit score. 
We finally received our loan but now the credit score because we shopped to get the best interest has gone against our insurance for our home. This should not be allowed.
XXXX XXXX XXXX - XXXX XXXX XXXX {$480.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.
I lost my job in XXXX XXXX, was granted deferment until XXXX with BB & T mortgage. Started a new job in XXXX XXXX. Resumed my mortgage payments. Sent {$1700.00} on XXXX XXXX, XXXX, they refunded it on XXXX XXXX. Paid them {$14000.00} on XXXX XXXX, they refunded it on XXXX XXXX, XXXX. All I 'm trying to do is keep my house. I will not allow them to take it. I do n't know what they 're problem is but I need help.
CCO Mortgage is purchasing flood insurance significantly beyond that required by the document we signed when we got the loan and charging our escrow account for it. I tried talking to customer service, the CCO legal department and submitting a CFPB complaint but they have not acknowledged the referenced legal document we signed at closing. My original complaint was that CCO is purchasing additional insurance beyond what we agreed but CCO did not address or acknowledge the agreement much less indicate why they believe the legal agreement no longer applies. Therefore I am submitting this complaint hoping that they will actually address the agreement that they are and have been ignoring.
I keep getting turned down and have been told to get my credit report for free and to check my score. Well I should n't have to pay for this if I 've been turned down. Please help me. This is so unfair. I have scores with my XXXX and my XXXX XXXX tracking and I do have an average score but none are showing when I 'm applying for a simple collateral loan of {$2000.00}.
I did a wire transfer 6 weeks ago inside the Bank of America XXXX XXXX bank. The guy who I gave the information to transcribed two numbers incorrectly and didn't notice til I came back a week later asking why my wire transfer had not gone through. So it seems they dropped it in someone else 's account is what they say and they can't get it out. It's been 6 weeks, its not been fixed and they have NOT reimbursed my money to me. They don't return calls and I've spoken to the branch manager, her boss and Bank of America corporate department with NO help whatsoever. Also- I've been a client for 22 years, have bought houses, cars, etc there and this is how they treat you when THEY make a mistake. They are completely incompetent.