WillisBack/dataset-financial-user-claim huggingface dataset:
I had to take off school for financial purposed in the spring of XXXX semester. I had full intention of getting back into classes during the fall semester of XXXX. However I had my my loan deferment period end because I was out oaf school for so long. I skipped the fall semester again to try to get more hours at work so that I could try to pay some of it back. Looking into to lowering my over all payments from month to month, I was able to file for income driven payments for my federal loans. My payments went to {$0.00} because I only make about $ 13,000- {$15000.00} a year. This helped me out. However when I try to solve the same problem with XXXX XXXX on XX/XX/XXXX for the balance of {$580.00}, they have no options for trying to solve my problem. I am informed that they have no options available to lower payments. They instead try to see if there are any family members or friends that I can borrow the money from to make the payments. Telling them no to this option, my only option at the time was to pay them {$150.00}, which doesn't get applied to any balance that is over due.This payment was just to stop harassment of 6-10 phone calls a day and the emails to me and my my father who is the co-signer. I agreed to this, however, I asked that that amount get taken out the following day so that I could move money into the account. My next step would be to pay in amount of {$580.00} by XX/XX/XXXX. The next day XX/XX/XXXX they attempted to take out {$300.00} from my account. The payment didn't go through because I didn't that much in the account at the time. After this happen the phone calls and emails started right back up again. On XX/XX/XXXX myself and my father got an email stating that if the account was not brought up to date by XX/XX/XXXX they were going to report me to the consumers reporting agencies. My father reported to me that he had paid the amount and that I need to just get enrolled in school again to at least half time to get the account to go back into deferment which I can do. Even though this payment had been submitted I still received a phone call from this agency about trying to make a payment. All of the phone calls and email have been documented and I have dates to along with them. I have been made to feel like that i have no true options beside bankruptcy. I am stressed about this everyday and it is always on my mind. I just wish there was a way to make it all go way.
IndyMac/ One West / Douche Bank committed fiduciary practices and illegal XXXX signing. 
I was paying {$5000.00} a month for a {$420.00} dollar loan. When I ask them to restructure my loan to reduce the monthly payment and receive a lower interest rate, they told me the only way would be to default on my loan. At the time I owned a transportation company that was doing well until XXXX and the gas prices started to increase and airlines were filing bankruptcy. In order to adapt to the changes, I needed to restructure the business. After questioning IndyMac 's offer to default on my loan to reduce payment. They convinced me by telling me nothing will be affected, and I would only have to default on XXXX payments, in order to receive a loan modification. Well here I am about to lose my home that I worked so hard for. My business was ruined after I missed the XXXX payment. As soon as my creditors found out I had missed my payment, that was the beginning of the end for my business. I lost everything because of my lender, and have been fighting for my life, my whole world changed and my wife and children have suffered andsacrificed to try to stay in the home they grew up in. I even tried to hire a attorney from The XXXX XXXX XXXX XXXX who ended up in receivership after one and a half years. One week before they told me that I had a 90 % chance of recovering damages from a tort litigation law suit in my name that is still filed in NJ court system. I received a email from the Florida district attorneys office informing me that myself and XXXX XXXX of there clients have just lost XXXX XXXX dollars each, plus monthly fees totaling millions to these criminals. They were a legitimate law group before I gave them our last savings, including my Son and Daughter 's college savings and then they screwed us. I even checked them out with Congressman XXXX office and Senator XXXX XXXX office. Indy Mac and company ruined my life, business and my family 's future. This is the short version, I was also audited by the IRS and XXXX after the default and had to file Chapter XXXX lost my business that I worked and sacrificed so hard to build. I have worked form the age of XXXX with my family business and was thought to work hard and be honest. With all of this happening and more my father is XXXX and my mother has XXXX. I cant make this up, I just turned XXXXyear old and have been fighting every day for the past several years. 'PLESE HELP ME SAVE MY FAMILY ' I am tired and frustrated I have worked hard all my life, XXXX trades and always tried to teach my kids about being helpful, respectful, and if you work hard good things will happen. I have XXXX great kids who are doing well academically my daughter is XXXX and my son isXXXX I have nothing left for them but hope. 
Thank You
On XXXX XXXX, XXXX I was contacted by Allied Collection Service regarding a debt with no explanation of what it was for so I disputed the debt right away through certified mail. It is my belief that they never notified the credit bureau 's of my dispute. On XXXX XXXX, XXXX Allied BUSINESS ServiceS contacted me again claiming to validate the debt. Allied COLLECTION GROUP waited until XXXX to report the account to the XXXX major credit bureaus. Upon learning of their false and erroneous reporting I disputed the debt directly with XXXX on XXXX XXXX, XXXX. After waiting 16 days I decided to call and let them know of my intention to sue for violations of the FDCPA, the FCRA and my legally protected interests. That day, XXXX XXXX, XXXX they removed their false and erroneous report. On XXXX XXXX, XXXX Allied Business Services sent me a letter stating they had removed all negative marks on my credit report. On or about XXXX XXXX, XXXX I had applied for a car refinance and was given a higher percentage rate due to their negligence. This has caused me much harm in the form of emotional distress, defamation of character and among other things. They also violated the FCRA and the FDCPA many times over including using XXXX different business names to deceive me.
I called collection agency  XXXX   XXXX   XXXX  spoke to  XXXX   XXXX   XXXX   XXXX   XXXX ,  I a dvised  XXXX  this was a Fraud Account that I resolved 3 year s ago with  the  XXXX  and their Attorney and I was removed from the lawsuit and I have Documentation from Court and NYS Sheriff 's Dept showing I was excluded due to the Fraud and i need it to be removed from my Credit Due to the fact i am trying to buy a home.  XXXX  proceed to threaten me saying that I am the guarantor and a judgment is against me and even if I get Attorney I still have to pay and it 's my responsibility an d Hong up on me even when I told him I had document to show that 's not true.
Attempted to electronically payoff Bank of America HELOC, funds were sent from my primary bank, XXXX. After XXXX days, and confirmation from XXXX that funds had been sent, BoA claimed they had not received the funds ( told me it had likely been lost in mail ) and to cancel payment and resend. I cancelled the check on XXXX XXXX. 
For my XXXX attempt, I mailed a check with payment stub to payoff majority of account. Payment of {$10000.00} was debited from my XXXX checking account on XXXX XXXX. I called BoA on XXXX XXXX to understand why the HELOC had not been credited at which time they told me they had no record of the payment. I faxed copy cleared check to BoA and am waiting for resolution. 
My concern is that I did not " Recieve Prompt Credit for Payment '' which was debited from my account. Under most conditions, I would not have resorted to this level of escalation, but this has been drawn out for a month with little to no assistance from BoA.
Hard inquires on my Credit Report by Clarity Services has damaged my report. I was not asking for any type of credit. 
XXXX XXXX XXXX XXXX XXXX I have tried to have this removed from my credit report. I also understand now Clarity Services was fined my the Federal Government for misuse of credit Report. I would like them removed from report.
XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and Grant & Webber Attorny, There are XXXX medical bills for my family and they will not bill insurance. 
XXXX XXXX XXXX XXXX XXXX California
In XXXX we rented an apartment with the XXXX XXXX, we stayed there from XX/XX/XXXX to the first second week of XX/XX/XXXX. When we left we moved to XXXX and rented for 16 months with no issues. I found out that the XXXX XXXX lost the property due to fraudulent activity like like making bad leases and using peoples info to rent apartments to people. Also to roach infestations. This info was given to me by the new owners of the XXXX XXXX XXXXThe old owners, which we rented from, gave my info to someone who rented there from XX/XX/XXXX to XX/XX/XXXX. And then that person skipped out on the rest of the months rent and so they tried to put the XXXX XXXX collection agency on me to get the rent that the people using my Social Security number left behind. There address in XXXX Tx is still on my XXXX report also and I never lived there.
Comerica has to be one of the WORST banks out here. I just checked my balance today and BOTH my accounts are overdrawn ... ( that has never happened to me since I have had an account ( s ) with them ) I have had complaints sent to XXXX and CFPB in the past about them. Yet ... they STILL get their way. 

I am charged an excess fee of some sort in my savings account. I do n't know how I have excessively done anything ... when I learned that the branch where I opened up my account has been transferring funds to and from the accounts? They claim it is to avoid an overdraft. 

They allowed XXXX dollars to be approved XXXX XXXX ... they have never in history of my account approved this transaction unless the funds were fully available. I am tired of them getting over me and accusing me of not having funds in enough time or whatever excuses/reasons they come up with. They need to fix this.
I 've been in foreclosure process with Wells Fargo for 3 years. During that time I submitted all necessary information to them via XXXX, Mail. Registered Mail, Fax and email. The process of loan modification was long but I was eager to keep the house. During that time I 've provided Wells Fargo with all they required numerous times. We went through the process with a Referee in the court, we got to making trial payments and then the process stopped with no response from the bank. There were numerous calls, I was in touch with all the departments, including Customer Retention Dept., Loss Mitigation Dept., Property Preservation Dept., President 's Office and others. During that time I was in a hospital for 4 months and the property was sold to XXXX. Eventually I was evicted from the house in 2015. 
Despite all the attempts made by me during that period of time, it was me who was pursuing Wells Fargo and not the other way around. Their procedures and practices were so confusing, my attempts were constantly neglected, it was impossible to talk to anyone. No one returned the calls. The names of representatives ( advisors, professionals ) changed. I did everything that was asked of me. At that time I 've lost my business and income. I followed every protocol and requirement in effort to keep the property. I received conflicted answer from all their departments. Since then my marriage did not survive XXXX and we divorced.
Used Lowe 's credit card to purchase washer, dryer, etc during XX/XX/XXXX sale and did not go through the card. We ended up using our own personal debit card to purchase all of the items and Lowes refuses to refund the amount on the Lowes credit card even though we have proof that we paid for it via our XXXX debit card. 

We have spent several hours on the phone with Lowes and they refuse to refund the amount.
hi i had a chapter XXXX bankrupsy back in 2006 due to a divorce. i have been rebuilding my credit ever since. it has been almost XXXX years, when will this bankrupsy come of fof my credit report? i thought it was after XXXX years.
XXXX closed the account many years ago and submitted it to CACH LLC for collection. This debt was disputed and the amount owed. CACH continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from XXXX. XXXX is reporting it as well as CACH. So I have XXXX companies reporting the same debt each with different amounts.
I was told over the phone and I received a letter from Exxon Mobil stating that my credit card did not charge annual fees. At that time my card had a XXXX balance. XXXX month later I was charged an annual fee of {$29.00}. I did not pay pending a reversal of that fee. I was refunded {$24.00} leaving me with a balance of {$4.00} and subsequently charged a {$2.00} fee for non payment of the {$4.00} and charged another {$2.00} fee on the following month. All due to an annual fee I was told I would not incurr. They refused to refund the late fees and I was forced to close the account so as not to incurr in further fees, or forced to pay the illegal fee charge.
IT'S A MEDICAL BILL. I HAVE NOTHING TO DO WITH THIS HOSPITAL NOR DID I RECEIVE ANYTHING SHOWING IT WAS MY ACCOUNT. I DON'T EVEN KNOW WHERE THIS IS AT. I HAVE SPOKEN WITH THEM AND IT WAS SUPPOSED TO BE REMOVED. NEVER HEARD BACK. THEN IT'S BACK ON MY CREDIT REPORT AGAIN. NO MATTER WHAT I'VE DONE IT'S ALWAYS THE SAME DEAD END. THEY DID NOT FOLLOW THROUGH WITH REMOVING. I SPOKE BY PHONE. DIDN'T RECEIVE LETTER OR RESPONSE, JUST HIT MY REPORTS.
I purchased a home in XXXX and moved out of it in XXXX. It has been a rental since XXXX. I have applied with 5 lenders for a refinance since XXXX. All mortgage lenders have confirmed value of house is {$200000.00} and payoff balance is {$78000.00}. I have been denied a loan five times because I do not have 6 months worth of monthly house payments in a seasoned bank account. I have been told there are " government guidelines which require the 6 months reserves ''. I was denied a modification by my current lender because they are a servicing company and because my payments are current, house is worth {$200000.00}, and has rental value of {$1400.00} and I receive $ XXXX monthly income from tenants who have lived in the house since XXXX. There was a " balloon '' payment due XXXX/XXXX/XXXX. 
My mortgage company has notified they will forebear any foreclosure as long as I continue making the house payments. 
Can you provide me the name, address and telephone number of the government agency who can verify if this guideline only applies to a new purchase and not to a home i purchased 39 years ago. Please provide me with all pertinent information as soon as possible.
I received a letter dated   XXXX   XXXX    2017, and  called the  Ability Recovery Services LLC to pay the debt. The original amount was {$69.00}, and they sent me a   collections notice for {$83.00}. I called to pay the {$83.00}, and was told they already sent my account to collections. I paid the " {$83.00} '' and completed my call. After a couple minutes the receipt came through on my email and they charged me {$88.00}. I called multiple times and the phone number no longer worked. I   XXXX    another number for them and called, and they told me that they charge everyone an additional {$5.00}, although they do not tell people. I was sent to multiple different people and they told me that the additional fees were not charged by them, but by the   XXXX   XXXX   XXXX  . After talking to the   XXXX   XXXX   XXXX   XXXX   XXXX  , she advised me they do not charge additional fees other than a late fee, which brought my account to {$71.00} and some change, and that the other fees were the collection agency. I told the collection agency that I did not authorize an additional {$5.00} fee to be charged to my credit card, and no representative told me they would charge my card an additional fee. After being passed around and put on hold for a lmost 20 minutes, they finally told me everyone was out of the office for the day and to m aybe try calling back tomorrow. Charging my card for an unauthorized amount is illegal, and it is not my fault that their representative failed to tell me there were additional fees on top of the fee that was sent in the collection notice.
On as many as  XXXX  occasions over the past year and as recently as   XXXX   XXXX   XXXX    , I have submitted disputes with TransUnion regarding an illegal tradeline on my credit report. The illegal creditor in question is  XXXX   XXXX . I have provided evidence that this lender is not legally licensed to offer loan products, nor collect in the state of Florida and this tradeline is therefore illegal and unenforceable under FL Statut e 516 of the Consumer Finance Act . In   XXXX   XXXX     following the closing of my dispute with TRU as " verified '', I contacted the creditor again demanding compliance with the FCRA, FDCPA and FL Consumer Finance Act by either providing evidence of the legality of the debt and full validation or removing this illegal account.  XXXX  responded with a statement that they do not need to comply claiming tribal immunity. They then reduced the alleged amount owed to zero, but refused to remove the reporting.     A brief search of the CFPB database shows that this particular creditor is well known to be an illegal, online predatory lender who does not conform to state or federal law and routinely holds people 's credit repo rts hostage to extor t money from them.     I have repeatedly disputed this account with TransUnion only to be told that it had been " investigated '' and found to be valid. This is simply not possible as a simple check of the online Florida  Office of Financial Regulation license  database shows that they do not possess a loan origination or collection license, making the entire alleged debt illegal, invalid, and unenforceable under state law.   XXXX   XXXX   XXXX   Statut e 516 of the Florida Consumer Finance Act clearl y states that a license is required in order to make consumer finance loans as well as very strict guidelines on interest rates and terms that  XXXX  is also in violation of. The law states that loans not in accordance with this statute are invalid and unenforceable.     TransUnion is in violation of the FCRA in that they are purporting to perform investigations and verifications that they are clearly not doing. Further, they are knowingly and willingly continuing to report negative information that has been proven invalid. According to the Fair Credit Reporting Act, accounts that can not be verified or are otherwise found to be invalid must be removed from credit reporting. TransUnion is in willful non-compliance with this law. I am asking for the CFPBs help in enforcing the FCRA and having TransUnion remove this illegal and invalid tradeline from my credit report.
I was contacted by Monterey Financial and spoke to a representative. She asked to speak with XXXX. My name is similar but not XXXX. I told her that I saw their company name on my credit report so they definitely have an open collections account but my name is not XXXX, last name was correct however. I explained that I am a victim of identity theft and she hung up on me. I called back and was repeatedly hung up on after explaining the situation. They said since they couldnt verify the account was mine, they couldnt speak to me. They did not ask for any other information to verify the account, only my name.
To Whom It May Concern : I paid my final bill directly to XXXX in XX/XX/2017. I checked my credit report recently and was surprised to see XXXX XXXX reporting a " Paid/Closed '' collections account citing XXXX as the original creditor. I was never contacted by XXXX XXXX regarding this debt. By law, they had to notify me that they were collecting the debt before they could take any action, including reporting the account to the credit bureaus. I have never received any communication from Convergent, neither by mail, nor by phone. The account was paid in full to the original creditor. Moreover, I was never contacted by XXXX XXXX informing me they were collecting the debt. Therefore, XXXX XXXX must stop all collection activity on this account. This includes, but is not limited to, negative reporting to the credit bureaus.
I 've spent thousands of dollars trying to repair my credit from identity theft and fraud that have happened in the past. I sent several documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. My identity was stolen and I gave the credit reporting agencies all related information, I 've had cars purchased in my name, XXXX bankruptcy cases filed, phone accounts from XXXX and XXXX. I have a judgement that I have no knowledge of, I sent a XXXX XXXX from XXXX Illinois and no debts were on file from any corporation. The reporting agencies are not following lawful procedure. I advised the reporting agencies that XXXX student loan accounts were past the statue of limitations XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The student loan accounts on the report that says paying as agreed and also report 120 days past due with a {$0.00} balance for each account. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently.
In my opinion U.S. Bancorp ( U.S. Bank National Association and U.S. Bank ) is forcing me to file a lawsuit ( not arbitration ) to prevent destruction or spoilage of evidence. This includes evidence including but not limited to breach of contract and disregard. 

I request U.S. Bank or U.S. Bank National Association preserve, copy and retain any and all recorded calls or information regarding my currently closed credit card ending in XXXX as factual evidence. If U.S. Bank prefers a signed handwritten letter mailed, please reply with the address. Nowhere in our written contract does it mention any fee that I have to pay to prevent U.S. Bank from spoiling or destroying factual evidence, nor did was it mentioned ever as a policy when relevant during my last complaint. Encouraging me to file legal action just to see my conversations that U.S. Bank only uses for " training purposes '' is perceived as intimidation in regards to potential future stress and large legal fees. 

Given how the very first CFPBXXXX reply I received from U.S. Bank mentioned how greatly you appreciate me as a customer, I know you were being honest and these requests will be no problem at all. U.S. Bank should have just contacted me. If you just acknowledged that the manager I spoke with in XXXX, 2015 accidentally provided misinformation about the credits on my account applying to my annual membership fee with no mention of a 90 day policy ; I 'd still be a Cardmember with no complaints. 

You will hear from me within the next six months. Do n't destroy any evidence, if the data is programmed to automatically overwrite data then I request a copy be made and saved immediately before that happens.