WillisBack/dataset-financial-user-claim huggingface dataset:
This is a long story that started in XXXX 2009. XXXX of all I am a veteran of 13 years in the XXXX and I am proud that I had the opportunity to serve my country. I was a XXXX when I came into a financial hardship and had was not paid by the military for over 2 1/2 months. Immediately when I was told that I was not going to be paid that pay period I knew I was in trouble as my mortgage was due. Well at the time I could n't get any assistance for my mortgage and started getting behind. It was n't till end of XXXX I was getting caught up, but I was n't able to pay my balance owed and the bank would not except anything less then the full amount. I just kept getting farther and farther behind and well life happened. I would continuously call and update the bank with my info trying to get into a some program to stop my home from going into foreclosure. After XXXX chapter XXXX bankruptcies filed to postpone public auction to try and get my short sale approved, the bank finally contacted me and said that my home would be going on public auction and there is nothing I can do about it. Flagstar Bank has always been a thorn in my side and to this day they continue to still be. They are reporting the full amount of the loan XXXX is still owed on my credit report and its hurting my credit in a major way. I know the home sold for XXXX which is about where I was trying to sell my house as a short sale at, go figure that. I have recently disputed my balance on my credit report and they denied the update. I also wrote them directly and got a letter stating that they wont update to the correct balance as the foreclosure is for the full balance and will stay on my credit report for 7 years, which i know but I know that the balance of XXXX is incorrect and should be reported correctly.
I recieved a statement from Naviant for the first time since my daughter has been in school. she is a XXXX. Until I recieved that statement I had no idea who was holding these loans. I thought XXXX XXXX held everything. So how could I have paid anything towards these loans if I did n't know about them? They should have been sending information more regularly!! Then I actually got a recorded message left on my home phone that the email information they have for us is not valid ... .it took them 3 years to figure that out and call? Then all of the sudden I read about a law suit for Naviant in XXXX of this year ... ..what a coinsidence right? I do n't think so. I think we are part of the group of people that have been affected by Naviant 's poor business. What can I do?
I was a  XXXX  customer for approximately 10 years. I was no longer under a contract, so I decided to change phone providers. I informed  XXXX  that I was stopping service. After trying to change providers, I was informed that the phone was locked by  XXXX . I called them again and asked why the phone was locked since I had paid cash for it. They instructed me on the procedure to unlock the phone. At no time was I told that I would have to pay a full month 's bill after cancelling service. I received a letter informing me that I did n't give a 30 day notice, so I would have to pay for the following month. I told them that I was not under contract, so that should not be an issue. They, then turned my case ove r to Southwest Credit. Th ey called me and informed me of the debt collection. I told them that I had discussed this with  XXXX  and since I was not under contract, I did not feel that I owed them anything. I never heard from any  one  else about this, so I thought it was resolved. No one ever informed me I could to file a dispute or a complaint. I was a  XXXX  employee and have  XXXX   XXXX  through the government. They sent me a notice that I had a bad report on   XXXX  . I called  XXXX  and they suggested that I go this route for some kind of resolution. I do have the money to pay this, but It is the principal of not being informed of my rights by either company.
On XX/XX/XXXX, a fraudulent credit account was opened at XXXX XXXX XXXX under my name. 

On XX/XX/XXXX, I filed a complaint with Experian to remove it from my credit report. Experian did not remove it, as they claimed that XXXX XXXX XXXX said the account was valid. I did not open this account. Do I need to file a police report for identity theft? I filed a police report last year ( XX/XX/XXXX ) because someone was trying to open credit in my name.
Inquiries on my Equifax credit report were removed and re-added without any type of notification. I do not understand why this happened because this is a FCRA violation. I tried calling in, but did not get anywhere because the call volume was too high and I had to go back to work. I would really appreciate someone reaching out to me or just resolving this matter behind the scenes by removing these inquiries off of my credit report. I would really appreciate it. Thanks.
THIS COMPANY IS REPORTING THAT I CURRENTLY HAVE A CAR LOAN WITH THEM AND A VEHICLE THAT IS PASSED DUE FOR THE LAST 5 YEARS. IVE CALLED AND VISITED THIS LOAN COMPANY TO GET THIS MAJOR INACCURACY RESOLVED BUT THEY ARE GIVING ME THE RUN AROUND WHILE STILL SEVERELY AND ILLEGALLY DAMAGING MY CREDIT. NOW NO ONE IS RETURNING MY CALLS. I DO NOT HAVE A CAR OR LOAN FROM THIS COMPANY.
The compliant is my mortgage payments are not being sent to the three credit bureaus. Shellpoint mortgage states since I was in a bankruptcy, and discharged they would not report my payments. The representative stated, I would have get a home modification loan or refinance the loan. This makes no since, my loan will be paid off in XX/XX/XXXX. Shellpoint purchased this loan from XXXX. XXXX immediately started reporting payments after I was discharged in XX/XX/XXXX. I tried talking to XXXX to make sure Shellpoint received all the required documents. XXXX representative XXXX stated that all the rules should be the same for mortgages ; but I would have look into it. XXXX stated that all documents were sent to Shellpoint. I had the same problem with XXXX when my Chapter XXXX Bankruptcy was discharge and I had to notify CFPB to rectify the problem. Shellpoint loan number XXXX
On line looking at a car. l did not authorize hard credit. l was not even interested in the car. Just looking and talking to dealer.
On XXXX/XXXX/2015 I opened a BofA checking account and made an opening deposit of {$5900.00}. I left later that day for my assigned XXXX XXXX XXXX for an upcoming deployment. I was XXXX, XXXX until XXXX/XXXX/2015. At which point I realized my account was drained. I filed a fraud claim and even after a Department of Defense memorandum from my XXXX, I was still denied numerous times.
I took out a student loan with Sallie Mae in XXXX. On XX/XX/XXXX my balance owed was {$16000.00}. Navient took over my student loan while it was deferred. When Navient took over my loan the balance owed on my account went back up to {$21000.00}. When I attempted to discuss it with the customer service representative they told me I was never down to {$16000.00} and that I owed the {$21000.00}. I requested they send me documentation of all transactions with both Sallie Mae and Navient. They sent me the attached paper. I have also tried to speak with them about releasing a co-signer and the representative told me I could not release him, but didnt give any other information.
On my last correspondence to you last XX/XX/2018 I disputed several items which are incorrect, inaccurate and violating FCRA. After more than 30 days, I do not believe that proper investigation took place as there are several violations visible of how the items where reported. Information showing the account was re-aged and missing information from the report. I disputed XXXX ref # XXXX, XXXX XXXX ref # XXXX, PORTFOLIO RECOVERY ACC # XXXX and XXXX XXXX   XXXX/XXXX ACC # XXXX. All these account shows violation of FCRA. Some reports incorrect late payments, some have missing/incomplete information, others are re-aged and reporting misleading information such as creditor type and so on. This is my last resort before taking legal action. So I am giving you another 30 days to remove these items from my credit report. Attached with this complaint is a copy of the letter sent to you last XX/XX/XXXX and some info I found on my credit report that proves the violations.
Negative Credit from Unknown Creditors. 
Spouses name incorrect. 

In correct Credit score ( s ) ( lower then actual score ( s ) )
On a Sunday afternoon our Son XXXX while XXXX. XXXX We found an XXXX that day who would see him. When we arrived the receptionist told us they do not accept our insurance and the procedure would be approximately {$3000.00} dollars. She suggested that we applied to carecredit/synchrony bank to cover the expenses. I called my wife and she applied at home on the computer. We were approved instantly, however we did not have time to look over all the details regarding the loan because of my son XXXX. We took out the loan in XXXX 2012 with XXXX percent interest and paid faithfully every month for 18 months. We only had a few hundred dollars left to pay, when suddenly XXXX dollars in interest were added to our account. We did not realize this would happen. Our payment went up significantly and we continued to pay on time each month. Only now when we paid the interest continued to grow and the balance did not go down, even when we paid extra. Finally after XXXX three years of paying carecredit/synchrony bank we have paid everything we borrowed plus over a XXXX dollars in interest. This year we had circumstances in our finances that prevented us from continuing to pay this never ending debt. I feel as though we were vulnerable to unfair lending practices because of our son 's need of XXXX attention on that Sunday afternoon. I believe the XXXX office and carecredit/synchrony bank work together to use predatory lending tactics on consumers when in a desperate situation. Since we have missed a few payments carecredit/synchrony bank is out to ruin my credit. Not only from late payment reporting but by consistently running inquires of my credit report. I have paid them everything I owed plus interest. The amount that they are now asking is unfair. I would have never taken out this loan had I understood the nature of the loan.
On XX/XX/XXXX I paid my XXXX credit card bill via online from my XXXX account that I had sent before with no issues. XXXX ( whose payments are processed through Comenity Bank ) said they never received it. I have been reaching out to both XXXX and Comenity Bank who have repeatedly sent me back and forth to each other. I spoke to someone from XX/XX/XXXX when I received a bill from them saying that a payment was never received for the XX/XX/XXXX payment. I have proof from my personal account showing the payment was sent and received electronically from them. I 've spoken to several representatives between both of them. Some of the names are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and several letters from the customer care team. This is frustrating and I 've been really patient up to now. My credit score has taken a nosedive ( XXXX points and counting ), and my latest statement from XXXX XXXX is now {$330.00} which is all fees plus the {$98.00} they claim they never received.
Open a savings and checking account with Chase Bank. Accounts were approved and open made a deposit 2 days later informed that accounts were declined. I set up direct deposit with my Human Resources Dept faxed letter received from Chase.Attempted to sign in on my online accounts and password was not accepted. I called customer service only to be told my accounts was denied. I explain I went into a branch and made two deposits. I was told that I will be receiving a letter and a refund within 14 business days. Who does this? The embarrassment of contacting my HR department explaining my account was denied and trying to open an account is highly embarrassing. Very bad practice. I am devastated.
I was engaged to an alleged XXXX, he established that he was going to transfer me {$100000.00} from his account in XXXX in XXXX to this email- XXXXXXXXXXXX I provided the transfer fee of {$1100.00} to a XXXX XXXX, Remittance Manager of XXXX . I used money gram to wire the money to XXXX with a reference number XXXX. I was later asked to pay {$8000.00} for a COT code. I was provided a fake internet account website to transfer the funds from said account to my personal account. 
Dear Value Customer, You can access our website ( XXXX ) Ma'am the best wayof transfering fund like this internationally is what you went for ( Internet Bank Tranfer ) and is the simplest means of transfer. You canalso log in your Online Bank Account through our Internet Banking platformit will take you directly to the site we gave you earlier to access youraccount*Our bank has a banking policy operating in Directives of job processingand customer satisfaction that we do have laws governing our Bank* Our bank is known for long standing Reputation in maintaining customerrespect and obeying Banking rules/Laws. Note this, as part of ourcontractual agreement with our partners with customers, that no amount canbe deducted from your fund, this is because the total amount has beeninsured to the real value. And this is in accordance with section XXXX ( XXXX ) ( XXXX ) of the international remittance act as adopted in XX/XX/XXXX and amended onXX/XX/XXXX by the constitutional assembly and it put in place toprotect Beneficiaries from Bank exploitation and to avoid misappropriationof funds. 
XXXX XXXX, Remittance Manager, XXXX, XXXX.
Caller, XXXX, phoned on Sunday. I asked her to please not call on Sunday. She ignored my request and kept on talking. I tried on at lease two occasions to interrupt and then asked to speak to supervisor. I was connected to supervisor who told me I would be removed from call list. I believe I was a victim of harassment on XXXX part in that she talked over me and ignored my request to not be called on Sunday, a religious day of rest from conducting business.
I have sent at least three letters to XXXX, Experian, and XXXX in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.
On XX/XX/XXXX and XX/XX/XXXX, I sent Penfed Credit Union a letter regarding two unauthorized inquiries that they placed on my credit file AFTER is was closed. 

XX/XX/XXXX -- PENFED closed the account due to delinquencies XX/XX/XXXX, and XX/XX/XXXX PENFED inserted inquiries onto my credit file. 

On XX/XX/XXXX and XX/XX/XXXX I received a letter from Penfed stating that they had already investigated my dispute and that they were not going to delete the inquiries because they had permissible business reasons. 

PENFED DID NOT HAVE ANY PERMISSABLE PURPOSE. 

I would like to know why they didn't do an ACCOUNT REVIEW ( soft Pull ) and why they put 2 inquiries on my credit file after it was closed.
Vehicle was purchased in XX/XX/XXXX and financed through Exeter Financial, by XX/XX/XXXX we were behind a few payments and made payment arrangements. Company charged off account while in the middle of paying and refused to work with us to cancel the repossession order. Company did not provide us with appropriate notice as outlined by law. Under the laws of the State of New Hampshire UCC 382-A:1-202, 382-A:2-706 and New Hampshire RISA and MVISA statues a deficiency can not  be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. This situation has hurt us financially and has impacted our credit beyond measure. While we believe we have grounds to collect for damages we are willing to overlook that if the company removes the deficiency balance and charge off from our credit reports as requested. We have attempted to communicate with the company several times but they refuse to furnish the proof of legal repossession.
in XX/XX/XXXX a collection acct showed up on my credit reports from eos cca. In XX/XX/XXXX I contacted the company through the phone # listed on my report after not receiving a dunning notice. I advised this is not my account and I do not owe their company and asked them not to report to which they responded by hanging up on me. I called back and spoke with a supervisor and explained again this is not my account and that I would need to start recording the call which was met with the same fate of the survivor hanging up on me. I then contacted XXXX and they stated they had no information in regards to me owing any amount to them. I then contacted eoa cca to advise what I 'd learned from XXXX only to receive rude and accusatory comments. I did n't not reside in the state that the representative said the account was in. 
Persistent attempts to collect debt that the consumer did not owe. 
Improper communication tactics. 
False statements or misrepresentations. 
Failure to disclose information that would allow the consumer to verify the debt.
I filed a complaint on XXXX with Equifax XXXX XXXX and also with XXXX for a collection that was recently placed on my credit reports by a collection agency named XXXX XXXX XXXX. Allegedly, the collection agency, XXXX XXXX XXXX, claims that I have a unpaid XXXX loan with a company called XXXX XXXX in the amount of {$1200.00}. 

In the XXXX XXXX Virginia, it is against the law to obtain XXXX XXXX loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the XXXX of Virginia. With those laws in effect, how would it be possible for me to take out said loan. 

Also the XXXX loan laws in Virginia state that the maximum amount you can borrow at XXXX time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}. 

I was not notified by mail or by phone by XXXX XXXX XXXX of this alleged XXXX XXXX prior to it being reported to the credit bureaus. I 'm not even sure if XXXX XXXX XXXX is a licensed to do business in the XXXX of Virginia.
I am being audited by the IRS for tax years XX/XX/XXXX and XX/XX/XXXX. 
I had a credit card relationship with three companies during that time. 
Capital One, XXXX XXXX, & XXXX XXXX XXXX XXXX XXXX. 
I used credit for personal and business purposes. I ran into a tough stretch of time monetariliry that caused me to be late and eventually have to stop paying the credit card companies. 
I am currently in collection with all three. 
I am asking for credit card statements for XX/XX/XXXX -XX/XX/XXXX for all three companies. 
I have mailed certified letters. 
Sent email requests and called. 
Each time i am either hung up on or transferred to a collection company that keeps me on hold for hours and says they dont have the credit statements. 
I was moving my place of business and misplaced all these documents. Now i desparataly need them XXXX XXXX SSN XXXX I am asking for copies of statements from these three companies My wife XXXX XXXX 's SSN XXXX name was on the XXXX XXXX XXXX XXXX XXXX card I have deductions I could prove but am unable and these three companies - due to the fact that i still owe them money refuse to help/acknowledge/assist me in my mission to recover the statements from XX/XX/XXXX XXXXXX/XX/XXXX Please assist me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX my previous business address was XXXX XXXX XXXX XXXX XXXX Nv XXXX they may have mailed statements there when i had the cards.
My husband attended this university and we have made payment arrangements and have paid, but they have derrogattory on his credit and my credit and they have it duplicated were they have different companies charging us and destroying our credit score it should be on one of our  credit and not duplicated, it has affected our lives.
I have attempted numerous times and have disputed information pertaining to my XXXX and transunion credit reports. I have requested that the above credit reporting agencies provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in 2017 and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.
Sallie Mae : Refund Check Status I refinanced my loan with XXXX XXXX because my interest rate kept going up and each payment barely made a difference to my balance. XXXX XXXX approved my new loan and paid off Sallie Mae leaving a balance of {$280.00}. I called them multiple times to reissue me a refund check since that {$280.00} belongs to me. 

I called in XXXX and was told the check was issued on XX/XX/XXXX. 

XX/XX/XXXX Called Wednesday XX/XX/XXXX to give me a status on my refund check.I was told yet again, the check was sent on the XXXXXX/XX/XXXX. Yet it has not arrived. Yet it has not arrived. They also told me they will take 10 days to stop the check and resend a new one. 

XX/XX/XXXX Called Sallie Mae on the status of my refund check. I was told that check # XXXX was reissued on Tuesday XX/XX/XXXX. The check should take 7-10 business days to arrive. 

XX/XX/XXXX It is XX/XX/XXXX. 12 business Days after check # XXXX was reissued. I still have not received my refund check. I did receive a letter sent to my cosigner mentioning the amount I paid in interest for XXXX. So no I am wondering. How did I receive this letter before the actual refund check.
The account was discharged from my account XXXX 2011 please removed from my credit report
On Friday, XXXX XXXX, XXXX, I was informed that my home loan was no longer an FHA loan. I want the loan servicer to tell me and provide supporting documents as to why my loan type was changed without informing me and what type of loan do I have currently? How are so many major changes occurring without my knowledge or authorization? In addition to the fact that my mortgage was among the note reassigned through XXXX How can robo signed be justifiable with such a large purchase. A mortgage is too technical and large of a purchase to pull a robo signing stunt in order to rush through the process. I disagree with robo signing mortgage documents. I am requesting docuents regarding title deed, what type of loan I current have, XXXX documents, and all documents that have been generated regarding my property from XXXX XXXX to the current date.
In XX/XX/XXXX-XX/XX/XXXX of this year I had a trip planned through XXXX .It was paid in full prior to traveling. While I was on this trip I had a dispute with the above mentioned company. It was settled and I was credited in the amount of {$1000.00} to my Saks World Elite Master Card, which is issued by Capital One. Since this was a credit on my account I called to get a check issued back to me. I have been waiting patiently and have been given the run around since the end of XX/XX/XXXX. Saks blames Capital One and vice versa. They both claim internal issues. As of this morning I have spoken to a supervisor by the name of XXXX, who rudely told me Capital One did not issue a check despite being told that numerous times that it was mailed and I should have received it.