WillisBack/dataset-financial-user-claim huggingface dataset:
1. in XXXX XXXX, i had to file for chapter XXXX bankruptcy due to the housing market crash. my bankruptcy was discharged in XXXX XXXX all XXXX credit reporting agencies kept the bankruptcy on my report for an additional year ( should have been removed XXXX XXXX, was not removed until XXXX XXXX. 
2. I submitted a letter to all three agencies about a mistakenly charged child support payment that was never finalized signed by XXXX and XXXX of them still have not removed it from my report. 
3. I had to short sell my house and was told that it would fall off of my credit report 2 years after the last late payment. XXXX of the agencies have dropped it, a XXXX has not. 

all XXXX of the agencies have been seriously negligent in correcting these issues and i have filed disputes constantly. when i called to find out why my credit scores were still so low, they told me it was because of all the disputes i had filed. so my credit report is supposed to suffer because i am complaining that they are not doing their jobs? 
i really need some help with this as soon as possible.
I paid off my auto loan with Santander Consumer USA XX/XX/2015. XX/XX/XXXX I received in the mail a release of lien to file with the DMV, I also received a letter stating my Santander Consumer account was paid in full. As well my credit report currently shows the account as paid off, I sent the release of lien in to the DMV in XX/XX/XXXX when I received it. On XXXX XXXX, 2015 a repossession agent from XXXX XXXX XXXX showed up at XXXX XXXX to repo my car. I stated to the individual I had a copy of the release of lien on the vehicle and a letter stating from Santander Consumer my account was was paid in full. I showed all documentation to the gentleman, he then stated he 's never seen paperwork like that out on a repo before but he had a order of repossession and had to take it. He, then took pictures of documents I showed him and let me get my belongings out of the vehicle. He was very polite let me gather my belongings and then took the car. The following Monday morning I called the DMV an they stated their was currently no lien holder on the title. I then called Santander to find out details to why the repossession took place. The first person stated He was very sorry and my vehicle would be returned in the next couple hours in my driveway, it should of never been repoed in the first place account is paid in full. He put me on hold an a few minutes later said it was all taken care just needed approval from a upper level manager an it was all done. The manger would call the repossession company for return. I then waited an called again a few hours later. An I spoke with a lady, she stated I had some of my payments Return due to NSF charges on my account which is totally false I paid the balance in full. An have the confirmation numbers for all payments and postings to my account. She stated she wanted {$6000.00} to get my vehicle back and an could not issue me a copy of the full account payment history. An if I did n't pay my vehicle would be sold on XX/XX/2015. This is totally bogus I never even received a letter or statement asking for payment or letters retaining to demanded payment or repossession notices.
I used rewards I had earned to pay off my balance to {$0.00}. I am now being charged with an interest charged because statement credits are not the same as payments. My balance was {$0.00}. How could I pay more?
i purchased a piece of software called XXXX that claimed to allow me to reset my forgotten password to my home computer. it was scam software. I tried to dispute the charge to my chase cc rep. they asked for my phone number so they could send a security code they claimed they were having difficulties sending the text and would call me back. did not happen.i called back they hung up. I called back they did the same security code thing again. asked how is sending a security code text to a number I provide prove who I am. I asked to accept my dispute claim. they refused
XX/XX/XXXX Complaint Against SunTrust Bank, Commercial Division : XXXX XXXX XXXX  number ( not included ) SunTrust account number ( not included ) I have a rental property that now has an encumbered title from an entity that the settlement statement shows was paid off by XXXX XXXX XXXX, later bought out by SunTrust. This was discovered when selling the property in XX/XX/XXXX. The loan from XXXX ( SunTrust ) was later paid off. But apparently two legal entities that the bank was supposed to have paid off were not. The title insurance company asserts that I do not have legal standing in this case because only the bank is insured by the title insurance. Suntrust has acknowledged culpability, but is no longer pursuing resolution. They have not returned communication for two months. Meanwhile, I have an encumbered title and can not move forward with the properties sale. This matter has dragged on since before the first of this year. Further, the attorney used at closing and approved by the title insurance company later was convicted of embezzlement and was sentenced to prison. Suntrust has acknowledged the problem and filed an internal complaint and I was given a customer advocate. Then it was sent to legal according to the customer advocate where it has disappeared. Now no one returns my phone calls. The loan administrator for SunTrust for the loan is XXXX XXXX. She can be reached at ( XXXX ) XXXX. She reports that the case is now out of her hands. But she has all relevant documentation to this case. I also have documentation that supports my assertions, which I am happy to share with you beyond the 2 files I have attached. Will you act on this? <P/>XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX
XX/XX/2017 From XXXX XXXX XXXX XXXX : Stearns Lending fraud. 
XXXX XXXX XXXX Dear Sir/Madam I have continually had issues with my loan with Stearns. Almost every payment they either reverse or re-apply to my detriment. I have been sending in extra payments yet they have recently charged me late fees and refuse to correct them. I have also sent in several cashiers checks recently of which some they have applied then later marked as " bad check reversal '' and un-applied them even though they are CASHIERS CHECKS from reputable banks. Regardless of the bank I use, they continually use these purposefully confusing shady fraudulent practices in order to hide the extra payments and mark my mortgage owed as higher than what I have paid. 

I have requested via email and I have called and they either promise to fix and never fi or they refuse to fix their error saying it was my error. My loan should be a full {$10000.00} less right now than what they show ( not including the interest paid they need to refund me ). 

I am only contacting you out of desperation because they will not help me and at this point my mortgage statement is so messed up it may take a forensic accountant to fix it. I am sure you will find more complaints regarding this company. The problems started when I began paying extra so I can only assume someone there has been funneling my money elsewhere. 

PLEASE HELP!!! I can no longer accept this fraud and I need someone to force them to fix my mortgage correctly. 

Thank you! 

XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Wells Fargo Mortgage contacted me regarding an escrow overagecaused by non-payment of real estate taxes. I notified them that thepayments should be spread out in the next 12 months. I am male. Theco-borrower contacted the lender and spread it out for 60 months. Icontacted them and stated that this was not what I requested. Thelender stated that it could be changed verbally by either party. I said tochange it back. They stated they would. They called today to state thatthey would not. The lender stated they did not want to be involved. Istated they already were by spreading it to 60 months. The lenderrefused to change it back. So, it would appear the female co-borrowerhas the right to change my decision, but the male primary whose incomethe mortgage is based on has less rights on my own mortgage.
I sent a copy of an FTC affidavit of identity theft and a police report to all  XXXX  bureaus. By law they must block the information from my credit reports. To date, Transunion complied but  XXXX  has only deleted on account not blocked the information they were required to and I can not tell on  XXXX  if it has been blocked or not.
Some small-time collection agency CCS Inc.is using illegal tactics by refusing to provide any debt validation despite my written requests to them to do so. They keep sending threatening collection notices for a debt that is not mine for {$110.00}. Not sure why they have chosen me for this or why they refuse to validate debt. Now they are threatening to crush my unblemished credit history by reporting this fake debt to the credit reporting agencies! Please help.
I have medicare so there is no reason an emergency visit to the doctor should be on my credit. Please help me take this off.
I contacted Equifax on XX/XX/XXXX to dispute information on my credit report. 
There are accounts on there that NEED to be validated due to my identity being stolen by a family member. On XX/XX/XXXX ( which is technically AFTER the 30 day mark ) Equifax provided me with a response stating that this accounts belong to me WITH NO INFORMATION OR EVIDENCE to SHOW that these accounts are mine. I have gotten these accounts removed from my XXXX report after they completed their 30 day research with no problem at all! The account they did verify had a XXXX balance and was paid off before it went in to collections/charge off is still showing on my credit report EVEN THOUGH THEY VERIFIED THIS INFORMATION.
Seterus mortgage asked for proof of flood insurance. Sent it as requested but kept getting letters saying they did not receive it.Ending up sending it XXXX times and following up with a phone call. Finally they acknowledged they received it. then a month later they took money out of escrow to purchase flood insurance that i already proved I had.Numerous calls to resolve this have resulted in being put on hold forever, being told they would investigate and call me back which they never do, or saying its been fixed which it has n't I am on a fixed income and need the money back in escrow to pay taxes which are due in a few months. They are causing a severe emotional and financial harddship over such a simple thing
A certified letter was sent and received by the company on  XXXX   XXXX . The letter was disputed information on my accounts listed on my reports. The company failed to respond and mark the accounts as disputed within the 30 day period. This violates both the FDCPA and FCRA.
FedLoan Servicing/Pennsylvania Higher Education Assistance Agency has lie d to me on numerous occasions with regard to whether my payments qualify for t he Public Service Loan Forgiveness program. In a pho ne call in   XX/XX/XXXX   a representative for  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency  told me that  only three pa yments during my time with my current employer would count toward the 120 required payments to quality for loan forgiveness. She told me that the payments must be consecutive and that each forbearance or missed payment would restart the count. This is a lie. When I found out that she, representing  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency,  had lied, I called back to let them know I was aware that the company deliberately misled me. I was told in mid  XXXX  by a different representative to resubmit my payments for review. I was again told that my payments during my current employment did not qualify. This time the reason was that I had paid  XXXX  short of the amount due. No one would ever pay less than a dollar of the amount owed. They could n't even come up with a decent lie. I am unable to address this because only the five most recent payments I 've made are available on the website. Only the most recent statement is available. I have been paying loans since  XXXX . Luckily, I keep screen shots of all my payments. The representative said that it must be an issue with my previous loan servicer. That is also a lie.  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency ha s been my loan servicer since well before I started working at my current employer. In fact, they approved every  one  of my payments at a previous employer with no trouble. Their efforts to exclude the payments I have made toward my loan balance at my current employer is baffling. In addition, I was advised not to pay more than my income-based total so I would " not seem as though I did n't need it, '' the it meaning the  Public Service Loan Forgiveness program. At no point was I made aware that my overpayments could be put to ward the principal balance. Rather than apply the extra amount paid toward my principal balance,  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency  instead reduced my amount due each month so that  I at one point had a balance due of {$0.00}. The practices of FedLoan   Servicing/Pennsylvania Higher Education Assistance Agency  are predatory and illegal. This has happened because the federal government privatized and outsourced its loan servicing.
Numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at   XXXX   XXXX   XXXX   XXXX  , CT  XXXX  yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I have also attached a court order showing the  XXXX   XXXX  ACCOUNTS ARE NOT MINE NOR AUTHORIZED BY MYSELF AND DO NOT FALL UNDER LEGAL CREDIT REPORTING. I DO NOT WANT TO HEAR THE COMPANY VERIFIED  MY INFOR A S I NEVER LIVED OR RESIDED AT THE ADDRESSES ASSOCIATED WITH THESE ACCOUNTS. They were a result of ID Theft so obviously the  SSN is matching. I would also like a free updated credit report sent to my address once the se accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question.   Accounts Reported Balance   XXXX   XXXX   XXXX   {$4600.00}   XXXX   XXXX   XXXX   {$3600.00}   XXXX   XXXX   XXXX   XXXX   {$5400.00} I do not nor am I asking for a generic response that inquiries are a matter of Record of Access to my credit report. The following inquires did not have the  Legal Permissible Purpose to access my credit report and under FCRA can be disputed thro ugh the credit bureau. It is then the companys responsibility to prove permissible purpose i. e. Inquiry fo r credit and or employment purposes. None of the following had this permission and or permissible purpose and therefore need to be removed immediately.  <P/> Inquires Number T hereof   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   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   XXXX   XXXX   XXXX
# 1 ) I checked my credit report and noticed I was charged for late payments from XXXX XXXX XXXX XXXX. I had lost my job and was behind payments, but made payments every month on time. I was charged an additional {$50.00} every month due to missing one or two payments. 

# 2 ) I have no idea what {$50.00} from XXXX XXXX XXXX is. I never took a loan out from here. 
# 3 ) I received {$9.00} back from XXXX XXXX XXXX for a class action lawsuit for data overcharges. I stopped my contract due to these data charges and extreme billing. I do not owe XXXX XXXX XXXX anything. Now, XXXX has me on an account for charges and would like them removed.
Ditech has increased my mortgage payment consecutively each year citing escrow shortage. Although my liabilities did not increase this year they have now added an additional {$75.00} to my monthly payment. My current escrow balance has {$770.00} in it. Over the course of this next 12 months my liabilities will total {$4300.00}. They collect {$360.00} each month in escrow. I will pay {$4300.00} over the next 12 months to escrow. Adding that {$4300.00} to my current balance of {$770.00} the total in escrow will equal {$5100.00}. That is way over the cushion they claim to have. This company is constantly trying to overcharge customers in fees and escrow. I would like them held accountable for their bad business practices. I would like my payment to accurately reflect the cushion they claim exists. Their cushion is listed as {$480.00}. If they were calculating correctly using this cushion and my current escrow balance, my monthly escrow charge should be only {$290.00}. Not the {$360.00} they 're currently charging. I 'm currently overpaying.
My name is  XXXX   XXXX   ( da ughter- XXXX  ), we called Sallie Mae on  XXXX / XXXX /  XXXX   and applied for a Smart Option Student Loan and was approved for {$10000.00}, which aligns to my daughter 's school obligations. We chose the Fixed-Deferred option with an interest rate of 9.827 %, which we were quoted and told that would be on the document when we went online to e-sign/accept the terms. Nothing was mentioned of APR during this conversation, at all! When we finished the call, my daughter and I signed onto our accounts to each complete the acceptance/e-signing process. I noticed right away that the Deferred-Fixed option was chosen, but the interest rate indicated a 10.38 % and no mention of an APR. I called customer service back and asked why I was seeing on screen the 10.38 %, and not the 9.827 % I was quoted/accepted over the phone. Neither the representative on the phone nor their supervisor ( when I asked to speak with after th e 3rd time being put on hold because she did n't understand, nor could explain why I was seeing the differe nce ) could explain why this was happening. The supervisor was very empathetic saying that he totally understood what I was asking and agreed, but when I asked why this was he could n't explain it! I 've accepted the current rate, because he reassured me that the true rate was 9.827 % ( only because we are at the deadline of having to secure my daughter 's spot at school ), and that I was going to be contacting the CFPB to intervene. I asked the supervisor if the 9.827 % was the rate with the 10.38 % being the APR, and he said he could n't tell why, but that they had to show the 10.38 % online due to a law. This does n't make any sense at all and need help in this matter! I do n't want my daughter having to overpay on a rate that was quoted but misrepresented.
In XX/XX/XXXX, I called Navient after they constantly called my mom. I told them I was homeless at the time, and I could n't afford to pay for anything. The guy was very pushy and insisted I make a payment. 'I 'm sure your parents would let you move in, right? ' I replied, 'No, that is n't an option. ' He just kept persisting, gave me absolutely no options to delaying payments and making suggestions on what to spend my money on. My only income was and still is XXXX. I got sick of it, and he said he 'd call me back the next morning wanting my debit card information. I never returned the call. While I eventually found a home, my mail was still sent to my mom 's address. <P/>Fast forward to XX/XX/XXXX. My XXXX payment was $ XXXX less than before. After getting the runaround from my debit card company, I called the Dept. of Education to find out what was going on. My XXXX checks were being garnished because my student loans defaulted. I NEVER received any mail or correspondence from Navient for that matter. I knew I had to do something, or else I would be on the streets again. I was garnished fromXX/XX/XXXX to XX/XX/XXXX. <P/>I knew about the total XXXX discharge, and I am XXXX, which I told Navient many times over the years. Navient does n't like anyone asking, mentioning nor suggesting it as a debt relief option about the XXXX either. They were rude when I asked for more information. I printed off the forms in XX/XX/XXXX, and in XX/XX/XXXX, my application was approved. Navient owed me for payments made during the approval process. They were very slow to return my money, but I got it eventually. <P/>If there 's a class action lawsuit, count me in.
A company named XXXX contacted me they told me that they are a collection agency who behalf XXXXXXXX company. I call them we agreed to pay {$92.00} then they will remove the inquiry on my credit report. I did pay {$92.00} on XX/XX/2018, and still, the inquiry is on my credit report. any time I talk them they say we will remove next week. I am tired calling them because anytime I call them they put me on hold about 45 minutes. please help me to solve this issue. 

Sincerely,
here are inquires that i dont recognize nor did i give approval to look into my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX6 XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
I was notified on  XXXX   XXXX ,  2017  by  XXXX   XXXX   XXXX  agency that Convergent Outsourcing, Inc informed them to reinstate a bogus collection account which was deleted off my credit report at the request of Convergent because they feel that they information is correct.     On  XXXX   XXXX ,  2017  I filed a complaint with CFPB against  Convergent Outsourcing Inc,   complaint #  XXXX  in which they responded that the bogus and derogatory collection account which contains incorrect identifying information not relating to me would be deleted from all my credit reports which they did but then on  XXXX   XXXX ,  2017    XXXX   notified me saying that Convergent requested that the collection account which does not belong to be placed back on my credit report base upon they believe the information that they have to be true, correct and accurate.
On Tuesday XXXX/XXXX/2015 I purchased a Bluebird prepaid debit card at the XXXX on XXXX XXXX XXXX in XXXX XXXX WA. I paid {$5.00} for the card itself and at checkout added {$150.00} in funds to the card. The directions on the box told me I could use the temporary card and to register online for a permanent card. I made a purchase on the same day at XXXX at the XXXX in XXXX XXXX WA which left a balance of {$97.00} on the card. I went online to register the account and found that I actually had to apply for an account ( this is not indicated on the Bluebird card packaging ) and had to be approved before Bluebird would send me a permanent card.I filled out the application and was denied an account for undisclosed reasons. I called Bluebird customer service on Wed XXXX/XXXX/15 and they said they could not tell me why but that I would be able to use the funds on the temporary card any place that accepted American Express. I tried to use the card at a restaurant and it was declined. I called Bluebird customer service again on XXXX/XXXX/15 and they told me they could n't help me and to take the card back to the XXXX I bought it from. I took the card to XXXX on XXXX/XXXX/15 and spoke with a shift supervisor in the money center who tried to cash out the card as well as get cash back with a purchase. They were unable to retrieve my funds. I called Bluebird customer service again on XXXX/XXXX/15 and asked to speak to a supervisor. I was told that a supervisor was unavailable but that a supervisor would call me back in XXXX to XXXX hours. I have yet to hear back from Bluebird and I am still unable to use the card or access my money.