WillisBack/dataset-financial-user-claim huggingface dataset:
I have a house in XXXX and was living in XXXX when my loan was sold or given to Nationstar. During that time of my loan going to Nationstar my 2 payments were sent back to my checking account and I was behind on my payment and not aware that they had my loan until then. I had to call the old mortgage company to find out who had the loan and I caught the payments up. But at that time they had sent someone to the house and they ripped the glass storm door off the frame and the door is no good and the front door has to be re-framed and a new glass door had to be bought. Then the person went to the back door and changed the lock and broke the frame where we had to re-framed because the door knob would n't even keep the door closed. 
We moved back in the house XX/XX/2015 and have made calls everyday about what they were going to do about it. They have told me that they are checking into it and will advise me the out come and it been over a month. 
I have spent over {$1500.00} to buy a new door and reframe both door and they charged me for the person to come and destroy my house.
I had an auto loan that was previously repossessed back in XX/XX/2012. This debt is now past the statute of limitations on debt collection. However, they sold the debt to XXXX XXXX XXXX and both companies are now recently reporting on my credit file with a balance. It is against the law for XXXX companies to collect on the same debt.
I obtained a credit report and noticed negative information being reported by Educational Credit Management Corporation ( ECMC ). Not recognizing the alleged debt, I attempted to dispute the debt with ECMC. The dispute was returned as un-deliverable. I obtained credit reports from XXXX different CRA 's, both with negative, unrecognized information. XXXX different CRA 's reporting from ECMC provided XXXX different address for ECMC. I sent a dispute to both other address. Copies are attached, with USPS certified mail confirmations. 

I filed a complaint with the CFPB about the mis-representations of ECMC in my credit reports. ECMC replied with an alleged loan summary for an entirely different individual. ECMC also replied to my mail disputes by providing a simple spreadsheet printout. Evidently this simple spreadsheet confirms a debt. Evidently, according to ECMC, all that is needed to collect a debt is a spreadsheet with a couple columns. 

I do not have any documented evidence supporting ECMC 's negative reports and/or debt collection activities. ECMC has not supplied any verified documentation supporting their reporting. I filed bankruptcy four years ago and still have debt collector vultures harassing me. The alleged debt might have been paid in full. The alleged debt might not be mine. The alleged debt might have been discharged in bankruptcy. Despite all this, ECMC continues to report negative information in my credit reports.
I have a XXXX Rewards credit card with Chase. I use it for all my purchases and have always paid it off 100 percent every month. A typical month is about {$2500.00}. Two months ago, my bill was higher because of a XXXX. I paid about {$3600.00} of a {$3900.00} bill. The next month I was billed {$20.00} in interest for the {$340.00} I did n't pay. I was expecting an interest bill of {$3.00} or {$4.00}. ( Interest is 15 percent. ) They told me I was billed interest on my average daily balance, which they said was about {$1600.00}. I did n't like it and thought it was unfair, but I paid it. I paid the next month 's bill in full, including the {$340.00}. When I received my bill for this month, I was charged {$31.00} in interest even though I had paid the entire bill in full! I was furious for an entire Saturday afternoon and honestly felt like I had been the victim of fraud. I still feel that way. I called Chase and the woman agreed to take off the {$31.00} in interest after a prolonged conversation because she said I had been a good customer. She said the {$31.00} in interest carried over from the {$340.00} balance that I had already paid. So basically, I was charged {$52.00} of interest for {$340.00} I did not pay for one month. This is just usury and unfair credit card practices. I hope you will look into it. Thank you.
Experian is making it very difficult to place a FREE freeze on your credit as mandated by the FTC in XX/XX/XXXX. When you go onto the Experian website they make it seem like you can place the freeze online like XXXX and XXXX but when you hit " submit '' it states that you must request the freeze in writing my mail. Experian then gives instructions to mail personal documents with identifying information that if compromised, may further put myself at risk of Identity Theft. Experian also recommends that you send the documents via certified mail which cost me {$4.00} to mail to them. A credit freeze is supposed to be free so Experian either needs to reimburse the mailing cost or be like the other credit companies and let consumers freeze their credit on-line. It is my belief that Experian is making it more difficult for consumers to freeze their credit so that they can sell their monthly credit protection that cost {$20.00} a month and allows you to lock your credit similar to a freeze. I mailed the documents to Experian on XX/XX/XXXX and when I checked my USPS tracking number it showed that the paperwork was delivered certified mail to Experian on XX/XX/XXXX at XXXX. Experian was supposed to send me a PIN number to unfreeze my credit but as so XXXX I have not received confirmation from them that they have freeze my credit and my PIN number that will allow them to unfreeze my credit. A total of 10 business days have gone by ( not including today ).
In XXXX of this year 2018, XXXX XXXX, on XXXX XXXX XXXX said that Citi Bank credit card had been charging the consumers too much interest for the last 2 years and that the customer were going to get a refund check in XXXX of 2018. I called my Citi bank credit card on XX/XX/XXXX and spoke to a XXXX XXXX and she told me that she didn't know when and if I was going to get a refund. I know that XXXX XXXX would not make this claim on XXXX XXXX XXXX if this wasn't true. I want my refund. Thank you.
my federal student loans were sent or sold to Navient after XXXX It was no way i could make those payments that Navient was ordering me to pay so when i heard about the student loan forgiveness program i jumped on it. The way that it was set up is i qualified for consolidation and i had to pay XXXX and my loans with Navient were consolidated thru another company who wrote Navient a check for my full balance owed on all student loans. Since almost a year ago when this happened I was getting late payments reported on my credit reports after they was paid in full. Student loan I had with Navient are now showing closed and paid. I have called them numerous times and ask could they remove the accounts off my credit report so maybe i will be able to purchase a house XXXX day. I have been told by Navient that they will not remove because by law that was something they could not do. How is it they can put something on your credit to ruin you but cant take it off to help. I just dont know what to do.
I made a payment of {$200.00} on XX/XX/XXXX dated for XX/XX/XXXX to cover my minimum due on my pay day. I then made another payment, after confirming my bonus was received on XX/XX/XXXX, on XX/XX/XXXX which was posted to my account on XX/XX/XXXX. The company charged me {$15.00} in interest charges because the full balance did not post before XXXX. I have called twice, the second time asking to speak with a supervisor. They stated that I made the second onlione payment on XX/XX/XXXX, but my notes say I made it on XX/XX/XXXX. The company refuses to remove the interest only charges and this is ridiculous. The website does not have the date/time the transaction was done online, you just get an email later about the transaction date. The {$200.00} payment email was received on XX/XX/XXXX XXXX and the {$590.00} payment email was received on XX/XX/XXXX at XXXX. I know this is NOT when I made the payments online as I was SLEEPING at those times. All I am asking is for Wells Fargo to remove the {$15.00} in interest only fees on my account and they claim they ca n't because the payment posted on XX/XX/XXXX. Seriously?????? I know that is a line on XXXX!
In the month of XX/XX/2018, I sent a {$47.00} money order to XXXX XXXX to pay off the debt in full for a collection account I owed. According to XXXX XXXX Policy on their own web site, it states once a bill is paid in full, Midland will then remove the collection from the credit report. I sent the money order certified mail with return receipt. I was recently shocked that on my XXXX credit report they increased my balanced owed to XXXX dollars on my experian credit report. On my XXXX  report, the balance is now showing XXXX dollars. For the past year, my account balance has been XXXX dollars. Now all of a sudden, when i choose to pay the debt off in full, XXXXXXXX XXXX   changes the amount I owe. They are committing fraud by changing my balance constantly so I will keep paying..They purposely created their own accounting records and make up fictitious balances so that I would have to keep paying in a never ending cycle.I would like Midland to be fined for creating false accounting documents for my account and I would like it removed from all my credit bureau reports immediately . I  would like XXXX XXXX  to show the original instrument that shows I owe the debt, I want full accounting records showing my methods of payment for this account, and I would like Midland to provide documents that show they own the debt from the original creditor.
Went to purchase a vehicle at a XXXX dealership. I was approved for a lease with Toyota, and left with the vehicle. The next day I received a call that stated they were not able to secure the loan with Toyota as there had been a negative outcome to my last loan with Toyota. I was told that if you ever default on a loan with Toyota they will NEVER finance you again. To me this is a classic example of overt discrimination, as the default was in 2010. I have a reestablished credit history, to show that I am in a better financial situation.
I am getting the runaround from the holder of my FHA mortgage loan Bank of America. I experienced a true hardship about a year ago when I was laid off from my job. I began trying to reach out with Bank of America in order to apply for some type of assistance since I missed several mortgage payments. I was assigned to someone named XXXX XXXX who said she was going to help me get back on track. After going back and forth for many weeks I was told that my request was denied because I did not make enough money. I found this hard to believe, and went back through all of the paperwork. I then resubmitted all of the information again to Bank of America. After going back and forth for several weeks I was told once again that I was denied for help. However, this time I was told that I was denied because I made too much money? This did not make any sense, and led me to believe that Bank of America is not playing fair and is more interested in pushing me into foreclosure. I know that there are FHA programs available to help struggling homeowners. I was approved for a modification back in 2013 when my hours were cut at work. I was able to make my payments on this modification as agreed until I was laid off from my job. Now Bank of America is moving me into foreclosure. 

I have owned my home for 10 years. I have gone through many financial struggles which have caused me to periodically struggle with this loan and the payments. But I have always righted the ship and settled up and gotten back into good standing. At this time I am back working XXXX. I also have a live in girlfriend who is contributing 100 % of her monthly income from her job XXXX. If B of A were to conduct a current and correct assessment of our financial situation they would see that we fit into the guidelines for assistance. The problem is that it seems that their agents are intentionally obstructing the process and providing false and misleading information. 

The value of this home is far less than what is owed at this time. But I view this as my home, not as an investment and I want to fight to save it. I know that FHA has several different programs in place to help struggling homeowners and I believe that Bank of America is not following the rules and guidelines in this process.
I have numerous XXXX loans that I consolidated years ago at XXXX. While working my government job, ( over 10 years not ) I found out that there was a program that repaid you federal loans. The requirements were 10 years gov't service, 120 on time payments, in good standing, and qualifying loans. So roughly around 9 years ago I called ACS to verify that my loan with them qualified. I was informed that yes it did. All I had to do was make sure I made the 120 payments. I am almost finished doing that and found out that there was a way to have PSLF program check the information on me and give me an exact date that they will be taking over the payments. I received a letter of their findings and was informed that my loan with ACS ( my XXXX loans ) in fact did n't qualify. I told them that there must be some kind of mistake because I called to check years ago to make sure they did qualify and was informed that they did. I was told by the people at PSLF program that I now need to transfer my loan to a direst loan and make 120 more on time payments to qualify for the program. I explained to them that I was already doing that, and was almost done. They told me that even though it was from the Dept. of Treasury, it was n't the right loan type. Even though I was already told it was, it did n't matter.
I signed up for a 2nd mortgage -- a 2nd Balloon Mortgage- without really understanding it completely. That was my fault. I was laid off ( this was years ago ) I was unable to pay my 1st mortgage or my 2nd. Eventually I got a loan modification on my first all the while requesting that we address the 2nd at the same time. I was repeatedly told -- not not now..later. Later never came. After multiple attempts to work with BOFA to start paying on the 2nd loan I gave up. Now, I am trying again. And they are working with me to an extent but still vert shifty and vague. All i want it to renegotiate my loan -- start paying on the PRINCIPLE- and pay off the loan. I am gainfully employed now and can do it. I have JUST started to talk with an account officer at BOFA and will be going through the process next week. I am filling out paper work now. I know there is no guarantee that this will result in anything different than what I have now. I need advice and help. Thanks! XXXX ps. this is NOT thug loan -- I am {$14000.00} late on payments and the original loan is worth {$25.00}, XXXX. Can you help me or direct me to some one who can? Thanks!
I tried to refinance my house and they discovered an account with XXXX for {$3200.00} that had been " charged off ''. 
I called the lender to say I had no idea what this was about. They did n't have my correct address, my correct phone, nor my email. ( and would n't tell me what they did have ). But they obviously had my name and SS #. 

There was never a payment made and I never received any attempt to contact me. They said the account was made online. They opened a fraud investigation ( supposedly ), but since the debt was sold, they would n't call the credit agency. I do n't even know who it was sold to! 

Anyway, I 've got a house being refinanced for {$560000.00} and a $ XXXX fake account is the difference between a $ XXXX/month payment and a $ XXXX/month payment. 

I submitted a dispute and XXXX took it off, but Transunion did n't. What can I do?
I have contacted you --  XXXX   Fifth Third B ank -- our accountant emailed to them our taxes   XXXX   XXXX   they " ca n't find them '' I sent them again twice.     is this a scam to say they can not find the required documents & taxes???     very frustrating
Was threatened in XX/XX/XXXX with a lawsuit, now being threatened with the company filing a XXXX with the IRS and said I could go to prison or I can pay {$3500.00} to make it all go away. This is on a credit card with last activity from 2005
I have been making my payments on time for last several years by My XXXX XXXX billpay. Recently I began receiving several calls from you. 
I called today to find out the problem. I didnt think it was the payment because I knew I was sending the payment every month. The representative told me that I sent in The wrong amount. I did NOT receive anything telling me the payment had changed So I continued to send the usual payment OF {$980.00}. I was told that the payment had changed for the XX/XX/2018 payment from {$980.00} to {$1000.00} a difference of only {$72.00}. I did NOT get anything in the mail ; it may have been lost. I get other peoples mail in my box all the time.I spoke to XXXX in the Escalation Dept. # XXXX who payment to cure the shortage. 
. I have now corrected by billpay to reflect the current Monthly amount of {$1000.00}, which will be sent going forward. 
Please exercise your discretion under the circumstances and waive any late fees and correct my payment history.
To Whom It May Concern, This letter serves as my formal complaint against the abusive debt collection practices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 
During the days of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX engaged in the following abusive practices in violation of the Fair Debit Collection Practice Act. 
Repetitious Phone calls telephone records list 25 calls in the said time frame Harassment/Intimidation- I explained my current situation ( I have been diagnosed XXXX and am in the benefits appeal process ) and that i intended to pay despite this to representative  during recorded phone conversation on XXXX XXXX and Representative ( XXXX ) continued to harass and intimidate me into making a payment stating to me : what form of payment would you like to make debit or check? I assume you intended to pay when you made the purchase you will continue to receive calls until payment is made so you dont want my help today I assume you do have a financial source people have to have a financial source to survive collection efforts will continue Many people pay us off- call on friends and family, get a loan, they ask spouse to help there has to be payment on a bill Failure to notify me of my right to receive verification of debt Failure to provide me with a validation notice containing key information about the debt and the consumers rights within 5 days of initial contact, XXXX XXXX XXXX Failure to inform me that I can dispute the debt Failure to provide me with the address and contact number of debt collection agency-I asked the representative ( XXXX XXXX XXXX XXXX XXXX ) for the address of XXXX XXXX XXXX XXXX XXXX, telephone number of XXXX and name of supervisor on XXXX/XXXX/XXXX. She did not provide the requested information to me. 
I returned call to XXXX XXXX ( XXXX representative ) on XXXX XXXX as scheduled and my call was not transferred as requested. 
I have attempted to resolve the issue. I have not submitted a formal complaint to the company, because i was not provided with contact information. 
Your attention in this matter is appreciated. 
Sincerely, XXXX XXXX cc/al Kentucky Attorney General.KY.US Federal Trade Commission.GOV Consumer Financial Protection Bureau.GOV
On XXXX/XXXX/2015. I made a complaint on Santander Consumer USA about my car loan. I have since spoken to different people again. I spoke to a XXXX, who stated he was with the management team. However I still DO NOT see any results. Again on XXXX/XXXX/2015, my statement said my principal was {$8700.00} and the ESTIMATED payoff was {$8800.00}. On XXXX/XXXX/2015, I made a car payment of {$470.00} and on XXXX/XXXX/2015 I made a principal payment of {$1000.00}. On XXXX/XXXX/2015, I received my XXXX statement. It showed a principal of {$7400.00} and a ESTIMATED payoff of {$7500.00}. On XXXX/XXXX/2015, I made a principal payment of {$1000.00}, on XXXX/XXXX/15 a car payment of {$500.00} and again on XXXX/XXXX/15 another principal payment of {$1000.00}. I check my account on XXXX/XXXX/15 and it shows an ESTIMATED payoff of {$5000.00} ( HOW ). I 'm BEGGING for some help with this matter. I just want to be treated fairly. Can someone PLEASE assist me with this matter? PLEASE
My Equifax Credit report under ( Inquiries that may impact your credit rating ) shows XXXX making an inquiry on my credit report. I do not have an account with XXXX nor did I give XXXX permission to access my credit report. I contacted XXXX and spoke with XXXX XXXX, I spent nearly an hour on the phone while she investigated why the credit report was ran. XXXX 's end result concluded they have no account for me and no record of a credit report being ran. They suggested I contact the credit reporting bureau. I contacted Equifax Credit Bureau and spoke to a supervisor XXXX XXXX. I explained that XXXX made a credit inquire but has no record of doing it. I asked to have the inquire disputed and he said he can not issue a dispute on his end ; XXXX must send the dispute. I explained to him that XXXX has nothing. He said that 's a problem and suggested I file a police report and then they can take it off. I told him I thought if I dispute something on my credit report the credit agency sends the reporting company " XXXX '' proof of reporting, and if the reporting company fails to send proof then the credit reporting agency must take off the impacting credit remarks. He said he was sorry and there is nothing they can do. 
Questions : So now how do I get this off my credit report? 
Is this a rogue XXXX employee viewing credit reports using XXXX 's reporting account? 
Is XXXX 's computer systems compromised allowing a hacker to use XXXX reporting services? 
Is this the beginning of an identity scam using XXXX as a front? 
Do I need to file a police report to get this off my credit. 
Who actually reviewed my credit report if XXXX says they do n't have any record of a credit report ran but Equifax says XXXX ran the report ; who 's responsible here? 
Facts : Equifax is refusing to verify who viewed my credit report, they simply say it was XXXX. 
Equifax will not dispute the inquiry because XXXX must first acknowledge the reporting error and send it to Equifax. 
Equifax contact : XXXX XXXX supervisor ID XXXX XXXX or XXXX XXXX has no record or knowledge of ever running a credit report. 
XXXX contact : XXXX XXXX XXXX XXXX result, I have no confirmation of whom ran/viewed my credit report and the results of the inquiry may impact my credit score with no recourse other than to file this complaint. Please help and thank you for your time. 
XXXX supporting documentation excerpt from my credit report : Inquiries that may impact your credit rating XXXX XXXX/XXXX/16 Creditor Contact Information XXXX XXXX XXXX/XXXX/16 Creditor Contact Information XXXX XXXX Public Sq XXXX XXXX, PA XXXX