WillisBack/dataset-financial-user-claim huggingface dataset:
I took out student loans to pay for graduate school in   XXXX  . When I graduated, I was enouraged by    XXXX   XXXX  /  Navient to  consolidate my federal loans with my private loans, which they held and I was encouraged to put my loans in forbearance several times when I asked for help with repayment terms that would make my payments more manageable, as I was just starting out as a public school teacher. They told me that there were few options for repayment and that forbearance was the easiest. They offered no alternative plans or solutions.     In addition, when I became a teacher and learned about public loan forgiveness act, I called several times to inquire about qualifying loans and was told that I would n't qualify and that I was already on the lowest payment plan and that my loans did n't qualify for forgiveness. I ended up contacting the federal government to consolidate all my federal loans with them and am now on year  four  of the plan.     I have been repeatedly given bad information. This information cost me several years of loan forgiveness I could have had through the public loan forgiveness act because I 've been a teacher for 10 years.     When I filed a complaint originally, they did n't really respond to the nature of my complaint. I got a generic response. I contacted the Attorney General 's office and filed a complaint through them because my state is currently suing   XXXX   XXXX  /Navient for similar reasons.     I 'd like my loans  discharged. I h ave paid faithfully, despite constantly receiving misinformation from the company. I pay and pay and the principal barely goes down due to the outrageous interest fees which accrued over the years, especially during forbearance. I feel I 've been kept in debt by them through these interest rates and feel there is no way to get out. I feel that 10 years of consistent payments should have at least brought down my principal significantly. Instead, it remains practically the same as when I took it out, plus several   thousand dollars of interest.
I 'd like to have my loans discharged. What do I need to do?       Sincerely,  XXXX   XXXX
XXXX   XXXX   XXXX   XXXX   on  XXXX   XXXX ,  XXXX  working for  XXXX  at  XXXX   XXXX   XXXX ,  XXXX , NJ. I went to  XXXX   XXXX   XXXX   XXXX  and received   XXXX   XXXX  . I never saw a bill during that time, as my manager took me to the hospital and it was filed as  Workman 's Compensation. I re call receiving  one  bill at my home a few months later, which I immediately took to   XXXX   and was told it would be taken care of. I never received any other bill or correspondence from either the hospital or eventually the collection company. I pulled my credit report on  XXXX   XXXX ,  XXXX  in anticipation of beginning the home buying process. On it, there is a bill with a Accou nt Resolution Services , a collection agency, for {$810.00}, for my injury from  XXXX   XXXX . It was placed into collections on  XXXX / XXXX / XXXX . Again, I never received any notice about the bill other tha t the one time noted above. I never received any notice that it was unpaid, would be placed in collections, o r any bills from the collection agency, nor did I ever heard that   XXXX   received any mail in my name on the matter.
My mother recently pass away, social security and her retirement account mad their monthly deposit into her checking account with wells fargo, when we notify both of her passing they told they would remove the funds from her checking which was just deposited, when we arrived at wells fargo to close her account we notice that wells fargo charge he {$35.00} twice as a charge because both Social sec and the retirement remove the funds from her account, how is this possible and why would they want to keep charging a person who passed away, this bank is doing nothing but taking advantage of people who pass away because they ca n't act. this is wrong why should they charge anyone {$35.00} for Social sec removing funds
I lost my mom on XXXX/XXXX/XXXX, she had fell behind on her mortgage in XXXX. She was also receiving help from NJ XXXX at the time. They were paying a portion of moms mortgage and mom payed the rest. When mom passed she willed the house to myself and my brother, my brother XXXX on XXXX/XXXX/XXXX. I contacted Ditech 2 months after mom passed and the gave me a trial period payments with the promise of a loan Mod. at the end. I made all XXXX payments and then the claimed because mom dies I needed to assume the mortgage ( which I am more the happy to do ) To this date the have not accepted any more payments and have filed suit in court with the intent to foreclose. Everything they have asked me to submit I have. I truly believe the have acted unfaithfully. This is my moms live long work and my childhood home. I would appreciate any and all help in trying to keep our home.
I recently was reported to credit agencies for an erroneous medical charge that was six years old. I disputed the charge to no avail. 
In XXXX of 2011, I was observed in the Emergency Room of XXXX XXXX in XXXX XXXX, FL. A XXXX was done at that time to establish a diagnosis. The next day I was admitted to the hospital for XXXX. The problem came when the hospital billed my insurance for this test as an " inpatient '' instead of the emergency room. I fought with XXXX XXXX for months and believed the correct code was finally submitted to insurance. 
Six years and seven months later, I find I was reported to all XXXX agencies as delinquent. My FICO score went from an XXXX down to a XXXX. Prior to this claim, I did not have even XXXX late payment. I am almost XXXX XXXX XXXX and have always taken pride in my excellent credit. 
I feel I am being abused by Central Financial Control, the collection agency that apparently purchased my claim from XXXX XXXX for {$1500.00}. This was a billing error made by XXXX XXXX that I tried to correct. I am now being reported as a " delinquent risk '' because of the hospitals mistake. This is unfair to me as a consumer. 
If there is any help you can provide, I will gratefully appreciate it. 
Thank you,
Creditor XXXX XXXX XXXX & portfolio recovery had damage my credit and falsely report information to my credit agencies of late payments and such ; knowing long time ago I was XXXX by the time I wasnt able to pay as they already have all proofs I sent them plus the proofs in other complaints I called them to let them know my situation and to freeze my account but they continue maliciously to charge fees and report to the credit agencies and for instance damage my credit then sold the account to portfolio recovery. This account is too old and its statues of limitations has expired and is a corrupt account that has damage my credit without giving a though in my situation before and even though its amount is minor I wont pay it because I think they owe me more for false report and harrass and damage my credit.
Ive reached out to the company numerous times Ive never had a car loan with sensible auto and its in my credit report Ive sent them documentation that I was a victim of identity theft.
they called me on the phone at XXXX in the morning I have proof as it was recorded on my cell phone
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : CAPITAL ONE Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
We are trying to get BOA to waive late charges and past due interest so that we can pay off the Home Equity loan. We have been in this home 15 years and never paid a late payment on our first mortgage. The problem started with the balloon came due and the payments were more than our first mortgage and higher than what we could afford with the first and second. We contacted BOA at that time XX/XX/2015 to try and combine both as they had both loans. They would not agree to combine but the first agreed to refinance us through the Harp Program. The second assigned us a case manager which seemed to always be away or missing appointment times that they scheduled. We were surprised to get an agreement in the mail saying we agreed to 5 increased payments that we could not afford nor had we even had a discussion about. We got money from our credit union to bring the loan current but the problem was still there as we could not afford. It 's very difficult to speak with someone and after several more attempts and trying to make the payments that were too high we just decided to sell our home that we love. In trying to speak with a person to relay this information the next information we got in the mail was the intent to foreclose. What we 're asking now and still can not get assistance as we 're getting pushed through the phone maze again and no one will take ownership and our case manager XXXX XXXX was not available, we actually had XXXX in collections ask if we considered a deed in lieu, I was shocked as we 're trying to pay them off which is why I was calling them today. We need them to stop treating us differently due to our age and race. 1. We need a payoff on the XXXX mortgage without the past due interest and late charges, the last balance I showed was {$47000.00} 2. Since the sale of our home would be enough to pay off the XXXX and the XXXX, we need them to remove all late from our credit score so that we can qualify for another home. It a bad situation that can be resolved but we do n't want to be prevented from purchasing another home as a result of us making many attempts to resolve this situation.
Navient is claiming I owe over {$70000.00} for a XXXX  certificate when the colleges records state {$30000.00} in federal student loans were used for that certificate.
Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD CHXXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy DISMSD/CLSD CHXXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
They continue to claim my Father ( XXXX XXXX ) is no longer residing at the property. This is totally incorrect, and i have jumped through major hoops to proove it. They refuse to answer any questions as to how they recieved the false information, and continue to threaten, file court docs, send out process servers and continue to harrass my XXXX year old father and our family.
FDCPA Violation. 
The company has sent me a threatening letter claiming they have a Judgement on a case which is currently pending. They have included the Court File Number ( XXXX ) to make it seem more convincing. They are attempting to collect {$1900.00}, which is an amount more than what they initially allege was owed. 

Within the letter is a Financial Disclosure Form which I have already responded to in the negative in my response to them in discovery. 

The Actors in this violation of FDCPA are : XXXX XXXX, General Manager ( who may not be a real person ), XXXX XXXX XXXX XXXX XXXX. 

And California Attorneys for Plaintiff : XXXX XXXX XXXX SB # XXXX XXXX XXXX XXXX SB # XXXX XXXX XXXX SB # XXXX XXXX XXXX XXXX  XXXX SB # XXXX ( Attorney on filing ) XXXX XXXX XXXX XXXX SB # XXXX Address : XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX
I have contacted this company many times to remove all hard inquires because they do not belong to me. their customer service would not help and take care of the negative inquiries reporting to my credit report.
I received a collection letter from the company Virtuoso back on XXXX XXXX XXXX regarding a charge from XXXX. I sent a certified letter on XXXX XXXX XXXX XXXX and also the collection agency. As of today I have never heard from XXXX or the collection agency regarding my dispute letter. Today XXXX XXXX I receive a new collection letter from the company XXXX telling me that XXXX has now turn my account over to them. I contacted XXXX today regarding this letter and they told me they never received my dispute nor anything from the collection agency saying I was disputing it. I have the signed certified receipts showing that both companies receive them. Is n't it a law that the company and the collection agency have to reply to a dispute?
On XX/XX/XXXX, I received a letter from CFPB stating Experian is still working on their process ; however, I received credit reports from all three credit reporting agencies seeming to not want to change a thing. I'll explain per credit bureau to be fair. As of XX/XX/XXXX after my reporting to CFPB XX/XX/XXXX XXXX letter is stating their reported inquiries will remain for XXXX XXXX XXXX XXXX # XXXX, who is on my BKXXXX Discharged XX/XX/XXXX but publicly viewed on my credit report. Every loan for my education is shown for student loans and my BKXXXX is still being acknowledged as well through XXXX but I have documentation from XXXX they will not only stop reporting my details which is attached, but also documentation emailed to me by the XXXX XXXX, NV Federal BK Court that they do not take any part in reporting Bankruptcies to any credit reporting agencies, which is also attached. After my report to CFPB XX/XX/XXXX. 

For Experian, on XX/XX/XXXX, I received documentation from CFPB that they are still working on the process of removing items, but, as of XX/XX/XXXX, I received two credit reports from Experian, I only need one, I am fighting ID THEFT majorly, they are still reporting XXXX XXXX XXXX # XXXX is fraudulently being reported as of XX/XX/XXXX I did not do, stated to them multiple times but still nothing has been done. Also XXXX XXXX # XXXX, although on my BKXXXX is still being reported as information to be known that they are on my BKXXXX, Discharged XX/XX/XXXX, this should not be publicly known and should be removed but they refuse. They also refuse to remove old adresses that I have had information stolen from all these addresses with multiple reports to FTC and ID theft.gov regarding these addresses ; such as, XXXX XXXX XXXX # XXXX, XXXX XXXX, NV. XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX # XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX # XXXX, and for some reason there is an old address for my current address without my residence number XXXX as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX # XXXX. They won't remove an old number XXXX as well. That is for Experian # XXXX. 

XXXX # XXXX, as of XX/XX/XXXX refuse to update my address to XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV. XXXX. They refuse to remove my BKXXXX, although it is acknowledge that the BK Courts do not report to credit reporting agencies as public acknowledement, as well as every student loan made shown as notice on my credit report although I am on XXXX under a federal program,
I ordered a Netspend card online for my taxes to be deposited. They would not activate my card. They are connecting me to an account my mother has with XXXX. She ordered me a card during tax time last year but we cancelled the card and did not activate it. I did not want to be on her account. Her account is overdrawn currently. They are trying to make me pay her bill and won't activate my card. My tax return will now be kicked back to the IRS and I'll have to get a paper check. I feel that they are using discriminating practices. There are no Co applicants on prepaid cards so how are they putting me on her account. I have been done wrong and something needs to be done about it. How can they associate me with another cardholder? They should not be allowed to harass me into paying her overdraft.
Ive reached out to this company several of times to resolve this illegal and unethical behavior. They are reporting an fraudulent account to my credit that was already paid. This fraudulent company purchased this old debt from the original creditor, used scare tactics which is in violation of the FDCPA to collect on a debt that was already paid for. They are reporting this negative information to my credit and it is causing great stress emotionally and financially. I will be forwarding this over to my local attorney general, I will be reaching out to an attorney to file a lawsuit for damages and wages and I will be speaking with the media to have them investigate this fraudulent company. Ive asked them on several occasions if I owe the debt prove it, provide me with proof of debt and they refused, the agents were very rude. I am giving them 30-days to resolve this issue otherwise I will proceed legally against them.
Transunion is illegally reporting XXXX ( Deposit Related Accounts ). XXXX Credit card illegally on my credit report. I have disputed all XXXX items with Transunion and they came back verified. I contacted both companies and XXXX refuses to talk to me. I wrote them a letter demanding them to send me any information on this debt they did n't respond. So I called them and they refused to talk to me and stated the only way I can talk to them is through the credit bureaus. XXXX I contacted Transunion and it came back verified. I wrote to XXXX asking for more info on this account and received a debt settlement letter. I contacted Transunion back to ask what method of validation was used and did n't receive a response. This is very illegal and goes against all of the federal laws.
XXXX continually contacted me for about two years regarding an unpaid bill. However, each time I asked for an itemization of what the bill was for, they could not provide it to me. They stopped contacting me for a while, then the collection account showed up on my credit reports. I disputed the collection with the credit bureaus and had it removed. About a year later, XXXX XXXX XXXX contacted me on XX/XX/XXXX saying I owe XXXX. I sent them a letter requesting additional information under the FDCPA on XX/XX/XXXX. I never heard anything else from XXXX XXXX XXXX On XX/XX/XXXX I received a letter from Afni , Inc. attempting to collect the same debt. I am now preparing to send them the same letter regarding a request for information under the FDCPA. Can this collection account just keep getting transferred when the company can't provide me with any details and this will permanently be an endless cycle?
Equifax lists XXXX of my wife 's credit card accounts on my credit report as missing a payment. This is a XXXX card beginning with XXXX. This is not my card. I was an authorized user on the account but the financial responsibility is 100 % my wife 's. The initial application for the card reiterated this. 

I filed a dispute with Equifax once I learned this missed payment was on my account. I told them this account was not my responsibility. I did the same with XXXX other credit bureaus, who promptly removed it. Equifax notified me 2 weeks after the dispute that they were still working on it. They never communicated with me again after that. I took it upon myself to check the status yesterday only to find it was closed and they determined the account was my responsibility. 

So my complaint to the CFPB is two-fold : Equifax deliberately did not notify me of the results of the investigation, no doubt because they refused to make the proper change. And the second complaint is that they are continuing to provide libelous information that I missed a payment on a card that I had no financial responsibility to pay.
They call twice each day and only let the phone ring twice/disconnect when I attempt to answer ( from numerous lines with a XXXX area code ). I do not have any outstanding debts so these calls are either intended for the person that previously had my number or are an attempt to illegally collect funds/a bogus debt. I've filed multiple complaints with donotcall.gov and am on the do not call list. 

My cell phone number was recently " spoofed '' and I believe this disreputable company ( Diversified Consulting, according to an internet search ) was responsible since it happened at the same time these calls started. Since they don't know who I am and they're working a scam, I'm unwilling to provide any identifying info beyond the phone number they're already abusing ( and which will need to be changed if this continues ).
There are several unauthorized ATM transactions on my Santander debit card. I tried resolving this over the phone but got disconnected. Im XXXX  so I have to use a relay service. Theyre not always the most reliable. I was able to order my replacement debit card but the claim wasnt filed because I was disconnected and couldnt get back through. So, here are the transactions I need to dispute. In addition to these, there are also many ATM fees associated with the fraudulent transactions. The fraudulent ATM transactions are XX/XX/2018 for {$800.00} and {$180.00} at XXXX XXXX. There are also two pending ATM transactions with a date of XX/XX/2018 for {$500.00} at XXXX XXXX  and {$33.00} at XXXX XXXX.
I have contacted XXXX XXXX  numerous time via USPS mail requesting information on the account, because the account does not belong to me. I have requested applications that was submitted, contracts that could have been signed anything. But they have refused to answer. This account has not been proven to belong to me, or how it was established.
I submitted my complaint of XX/XX/XXXX and received a response that all permissible inquiries, shall remain on the credit report for two years. These are not permissible, " I have not applied for any account with the companies listed below '' These are not authorized hard inquiries. 

Never applied for and I never authorized, to have my credit pulled. Experian credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. Factual Data XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX   XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX
I financed a XXXX XXXX XXXX XXXX for {$12000.00}. Two months after getting the car the dealership had not completed the inspection, and the engine blew. The dealership told me the warranty had to pay for the repairs and the warranty company said that the dealership was responsible since i had just got the car. I paid XXXX out of my pocket to pay for the repairs. This was only the beginning. It is XXXX and to date i have paid {$12000.00} in repairs as well as XXXX in finance payments. Currently the vehicle still needs repairs and the finance company is charging all types of interest. I contacted the XXXX to file a complaint with the company since the vehicle had not been inspected and after looking at my paperwork ( contract, Title, and registration paper ) i noticed that at the time i bought the car the mileage on the title was different than the mileage that was on the car and the contract, as well as the " Owner '' signature on the title transfer. The XXXX advised me to seek legal help. 

The dealership ( XXXX XXXX XXXX ) and the finance company ( United Consumer Finance ) conducted illegally and now i am in a bind with a lemon for a car and no money.