WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I entered into an agreement with XXXX XXXX ( representing XXXX ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, XXXX only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called XXXX directly and they keep saying it will take more and more time. I called XXXX XXXX XXXX XXXX collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.
I cancelled internet service and returned a router to XXXX, a month later they said they did n't receive it. I mailed them the receipt from the post office showing I returned it. I called and they said they did n't receive that receipt either. I sent everything to addresses they gave me so I do n't understand how come everything got lost and I was sent to collection when I did everything the way I was supposed to.
My original student loan was with Navient ; which was incurred in XX/XX/XXXX ; I was current on my loans until I filed for bankruptcy ( which was filed in the bankruptcy courts in Arizona on XX/XX/XXXX ), listing Navient in my bankruptcy petition. On XX/XX/XXXX, the Judge entered an Order of Discharge ( which Navient was part of that discharge order ). After the order, I received phone calls and letters from XXXX ; and now on my credit report I have a company stating I owe them student loans to this company : XXXX XXXX  XXXX XXXX XXXX XXXX ( Educational ). I have never had any loans with this company ; nor do I owe any loans as I filed for bankruptcy and owe nothing to anyone.
I obtained the credit card  XXXX  through a furniture store and when signing up I was informed that I would be getting no interest charges for the first year, after which interest would start being charged on a monthly basis for the amount that remained. When I received the bill for the  XXXX  month, in  XXXX   2017 , the bill stated that I owed close to {$500.00} in deferred interest charges. I was never informed that I would be held responsible for any interest for the period of time that I had t he one year  promotion.   After speaking to a representative of  XXXX  regarding the interest charges I was informed I would be held responsible. I paid off the remaining balance of {$840.00} in full and asked that my account with  XXXX  be closed. It is now  XXXX  and I have received a bill of {$330.00}, {$11.00} of which is an additional interest charge. I am now being charged interest on top of interest.   After calling  XXXX  once more, I asked why I am being charged interest on full amount of the initial purchase price as opposed to what the new balance was after  2017 . I was only informed that it is their policy and written on the bill. I am unwilling to pay the {$330.00} I am currently being charged due to having been misled and not fully informed about the charges.
I had rented a holiday home in XXXX, FL and transferred 50 % of the rental fee to the owner. As I did not want to transfer the money to XXXX XXXX, I asked for a bank account. I received a Wells Fargo account. After 2 months I received an email telling me I need to pay the final amount to keep the booking. This was unusual. I started some investigations and found out it was a complete fraud. The person was no real estate agent, the holiday apartment had been rented for a year, the phone no. was out of order and the management at the building in XXXX never heard of him nor the owner. 
I found out where the account was located and filed a XXXX XXXX XXXX with the XXXX, NM police department. An officer informed me after weeks that Wells Fargo told her this " Wells Fargo has told me that the funds went into a XXXX XXXX XXXX account before they could inquire about it. Unfortunately, they have said they will not reimburse those funds to you because of this. " The XXXX police detectives told me that these people open bank accounts with false SSN 's and false driver 's licenses. The XXXX police department has XXXX XXXX of these cases per day. In this case the bank did not operate appropriately and check the legitimation of the person and therefore is liable for the loss.
I submitted a complaint on-line, but I do not have a complaint number, so my complaint has probably fallen on deaf ears. 
I was able to get my credit reports from XXXX and XXXX without difficulty. Each of them had a list of questions pertaining to my previous employment and/or credit. These were factual and represented transactions that applied to me. 

Equifax, on the other hand, asked me questions that had nothing to do with me. Then, they said that " For my protection '', I had to mail them personal identification ( copies of my SS card and Driver 's License, for example ). This happened XXXX times. THE QUESTIONS HAD NOTHING TO DO WITH ME AND NOTHING TO DO WITH ANY CREDIT IT HAD APPLIED FOR OR RECEIVED. 

This happened XXXX times. I could understand their doing this XXXX time, but XXXX times is excessive and represents a deliberate attempt to keep me from getting my credit report. 

In addition, their requirement that I send the documentation by mail subjects me to the possibility of identity theft. A secure on-line connection where I could scan the documents and email them would ( if their site is secure ) provide me with better protection than having to send sensitive, personal information by mail. 

I suspect that I am not alone in having this problem with Equifax. Either they have a lot of erroneous information about me or they are deliberately trying to circumvent the law. 

If I find that this is the former - that they have so much erroneous information about me, I will amend this complaint.
I received multiple daily calls from navient beginning in XXXX. Navient continued to email my work email after I submitted XXXX response emails requesting not contact my work email address although they continued to contact my work email address soliciting payments. I have submitted XXXX complaints to the states XXXX regarding the total disregard of my written request for navient to stop contacting my work email address. The last straw was when I received a email request to postpone my student loan payments on XXXX XXXX, 2016, in which I replied yes, then reiterated for the third time not to contact my work email address. On XXXX XXXX, 2016, I received a email stating that my forbearance was approved. On XXXX XXXX, 2016, I received a email stating that my forbearance is ending. I my response is literally " unbelievable. '' Never once was it discussed regarding the student loan forgiveness program. I worked in a civil service capacity for over 8 years.
On XX/XX/XXXX a certified letter was sent to this creditor after I noticed that my credit was being damaged because of them. I asked that they validate the supposedly owed debt that they claim that I owe. I asked that they provide records of my signature showing a contract that I have with them. They responded with an account summary report but NOT with my signature at all. A print out does not validate any debt that I have. I do not have a contract with this creditor. After a second attempt was sent to them I did not receive a response back. However on my credit report it shows that it was validated & meets FCRA guidelines. How?!? They never provided me with the information needed or their method of validation. This is unfair to me as a consumer. I do not owe this debt and would like this to be removed from all credit bereaus immediately.
Please show proof of the correct balance on this card. I do not have a balance on this card. Please correct the balance and update all credit bureaus of this change.
I have my student loans through Navient. When I called about options to pay less on my student loans, the only XXXX options they gave me were to either pay them or enroll in school to put them into in-school deferment. I already pay them {$500.00} a month and with some loans coming out of foreberance, my monthly payment was going up to {$800.00} a month, which is impossible with my income and other debt that was accumulated during school like credit cards. I just do n't feel I was given any options to repay. I do n't agree with them telling me to enroll in school again in order to not pay on my current loans and would then acquire more loans and really not be able to pay them. I ca n't stay in school forever.
Hurt on job XX/XX/XXXX. Fired XX/XX/XXXX ( Performance ) Never been in trouble. 
Collecting workmanship comp. After 7 months of NO PAY. 
Flagstar is the Lender on a VA HOME Loan. 
In the process of rectifying issue. Need to Refinance lower interest rate. Always Way too High. XXXX never explains anything to me. I paid 6 moths of low payments NEVER late!! Bad credit report and they never even gave me options. I have equity in my home. Should I not be aware of my choices? I receive money and pay them whatever they say, Ive never been in such a place. Im a hard working veteran WHO got hurt was fired and having XXXX soon. Can someone help me and explain it all to me? Can I call another lender? Am I allowed to use whomever I want?
I have a loan with Sallie Mae that i signed with a cosigner to help me pay for college. I have never adjusted the original terms of the loan since I took it out, even though I make only {$20000.00} a year. I called to ask for lower monthly payments from the current {$340.00} a month that I pay. This amount is nearly 20 % of my monthly income and does not even include my XXXX other student loan payments. The other XXXX I have allowed me to be put on an income based repayment plan, but not Sallie Mae. ( Not to mention my Sallie Mae loan has an interest rate 3 % -4 % higher than any of my other loans ) I have been a good borrower in the 5 years since I left college yet they refuse to work with me. The only option they offer is deferment. Putting the loan on hold for 3 months while still collecting interest is not going to be a long term solution for me. Yes, they would love it if I kept putting my loan on deferment I 'm sure because it means more money in their pocket. They do n't care it does absolutely nothing to help the borrower. 

The lender is supposed to be serving the borrower, not the other way around. My experiences with this company have been nothing but awful. I would recommend anyone who needs a loan, student or otherwise, to get it anywhere else but Sallie Mae. I have never dealt with such a horrible company in my life. I call ahead of time to let them know I ca n't make the payment and they tell me that the collections department wont even speak to me until I let my loan payment go late. Once it goes late however, they have no problem harassing me 7 times a day. Then I call them back only to wait on hold for an hour and to be told that no changes will be made to my loan. 

I am now left in a position where I can continue to pay the loans and have nothing left over to try and improve my life ( like finishing the few classes I have left on my degree, or moving into my own apartment ) or I can destroy my credit while improving my situation, because the XXXX loan i have that takes up 20 % of my income refuses to help a proven good borrower. Learn from my experience and do yourself a favor. NEVER get a loan with Sallie Mae.
upon request of docs, i was told i was speaking to an attorneythey also have reported the same information in duplicate as to affect my scores
try to modification my mortgage and told me not to make a payment on my home ..it took 10 months now they want {$8600.00} to keep my home,, need help Please
I noticed there was a negative listing on my XXXX XXXX credit report Portfolio Recovery showing a XXXX XXXX as creditor. I do not have a XXXX XXXX account. So I wrote a letter on XX/XX/2018 requesting validation of debt. What the money was owed for ; Explain and show me how the debt was calculated ; Provide copies of any papers I signed agreeing to pay what they said I owed ; Identify the original creditor ; show me they were licensed to collect in my state ; and provides me with their license numbers and Register Agent. I received a form letter dated XX/XX/2018 and a credit card bill from XXXX XXXX. I do not know when or what was purchased or who did the purchase from the information I received.
We had a forbearance period on our mortgage loan due to superstorm Sandy. Ditech has now sent us a letter of default due to us being in that program. 

Our account now shows {$32000.00} in arrears which is impossible. At {$1400.00} per month in interest the total if any would be {$17000.00}. But we are not supposed to be in arrears due to our participation in the Sandy forbearance program. 

During the 1 year period we payed our monthly escrows. Ditech is still stating that we are in arears with our mortgage and they haven't applied our mortgage payments correctly to our account. They have not been applying it to escrows and keep doing escrow advances to cover insurance, MI, and tax payments. I found out this was the reason that we received a notice of cancellation for our homeowners insurance. Ditech was waiting for a managers approval to pay the premium as there was not sufficient funds in our escrow account due to their ( lack of ) accounting. 

Ditech has just transfered the servicing to another lender efeective XX/XX/XXXX which will make this even harder to solve with a company that knows little of what we have went through for the past few months. 

Attached is : 1. A letter from Ditech from XX/XX/XXXX requesting us to sign a mortgage modification for a loan term of 40 years where our address and information was changed to XXXX XXXX XXXX in XXXX, MO. 
2. A letter from Ditech from XX/XX/XXXX addressed to XXXX XXXX XXXX in XXXX, MO when we requested a payment history and why payments were not being properly applied. 
3. A letter from Ditech from XX/XX/XXXX with terms of forbearance program. 
4. Cerificate of Eligibility from NJ Consumer Affairs for Sandy Impacted Forbearance. 
5. A letter dated XX/XX/XXXX we sent to ditech outlining our compaints. 
6. A certificate of occupancy for our home dated XX/XX/XXXX. 
7. A letter from Ditech from XX/XX/XXXX in response from our complaint to the NJDBOI. 
8. A letter from Ditech from XX/XX/XXXX with a notice of default and intent to foreclose.
I have duplicated information from the same collection agency listed on my credit report. I have disputed this information with Experian twice and the result was that the item remains. The account is not mine and my rights under the FCRA have been violated.
On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX XXXX. I called One Main Financial for a payoff on the XXXX XXXX, which they stated was good for 30 days. Shortly thereafter, on XX/XX/XXXX, I received a check from One Main Financial for {$700.00} which I deposited. On XX/XX/XXXX I received a notice from One Main Financial stating I owed {$1000.00} because I no longer had insurance on a vehicle they were financing. I contacted One Main Financial in response to the correspondance I received and had a One Main Financial employee fax over the amount she said I owed. The fax she sent stated I owed {$420.00}. I contacted them to state I don't owe and that I received a refund check for {$700.00}. I have been receiving bills from One Main Financial for various amounts. On XX/XX/XXXX, I received a bill for {$760.00}. I do not owe the bill. Based on the refund I received, I believe that my car was paid off by XXXX XXXX. The amounts in question are an attempt to collect " FORCE PLACED '' insurance during a time when I no longer owned the vehicle.
Equifax would not remove an authorize user card on my recredit report XXXX by XXXX card and XXXX by XXXX card
XXXX   XXXX  , a sub-mortgage-servicer to CitiMortgage, will not honor payment of {$10000.00} for my HAFA request ( see attachment  XXXX  denying my HAFA request. ) My submittal of my all the HAFA required paperwork was originally received by the previous CitiMortgage sub-servicer,   XXXX   XXXX  , on   XXXX   XXXX   XXXX  ,  ( se e attachment  XXXX  from  XXXX  acknowledging the receipt of my HAFA submittal. ) I have a sale in the process for closing at the end of   XXXX   XXXX  .  XXXX  insists that my HAFA documents are not valid and I am not qualified for the program. The HAFA program itself ends   XXXX   XXXX   XXXX  . The last date to submit the completed HAFA paperwork and other documents, was   XXXX   XXXX   XXXX  .     It seems t he paperwork exch ange between the two mortgage serving companies did not complete properly either because   XXXX   did not properly transfer all of my records to  XXXX  ... or  XXXX  has not successfully loaded them on their system.     I have already contacted Making Home Affordable who services  HAFA fo r   XXXX   XXXX   and last spoke with them on   XXXX   XXXX  . The person I spoke to was unsure of why  XXXX  will not honor my HAFA request and could only speculate. They told they will continue to research and investigate.     I have looked over the  250-page onli ne docume nt on the HAMP and H AFA program  rules MHA told  me about. I did not see anything that referred to how my HAFA was terminated.       XXXX   XXXX   nor   XXXX  have been  able to show me the documented rule that excludes me for qualifying for my HAFA payment.     There seems to be much confusion between  XXXX  nad  XXXX  as to what the actual rules are ... and the rules they " think '' are correct.     Any help will be much appreciated ... Thank you
One Main financial will not stop calling me at work. My AC broke and I had to repair it, and I am behind. I have told them repeatedly and hung up on them. I am not allowed personal calls at work and I keep getting in trouble when they continue to call me. I have spoke to the manager at my local office, XXXX, he was supposed to note my account, but they keep calling.
Actually NOT used obscene language but used pressure tactics, are unwilling to help/ resolve issue and also seemingly improper management of debts and PII - pers identity info ( SSN, addresses et c ). 
We incurred debts when I was injured on XXXX with US military in XX/XX/XXXX, was improperly discharged and did n't received any pay until XX/XX/XXXX. So we incurred debts, house was improperly foreclosed ( XXXX got us WHOLE 500 $! ). We settled/ paid off most debts, except for Wells Fargo debt, where WF transferred some funds owed on mortgage ( foreclosed ) to CC which is n't legal. Then debt was almost settled with XXXX XXXX, but when requested documentation it was quickly transferred to XXXX XXXX XXXX, under XXXX acct # XXXX. XXXX FAILED to prove debt ( and it 's height ), FAILED to communicate to resolve ( I sent email requesting documents/ investigation into XXXX improper behavior ). Since then dealing with XXXX DISASTER:1/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is n't really attempting to collect, settle or communicate - when calling ANY of their XXXX numbers ( such as XXXX or XXXX ) XXXX gets through, then message says it is recorded and when asking about use of non-recorded line is put on hold and then told " unrecorded line is n't available, call in 2 hours '' -- that is usually 30-45 min into " transfers/ holds ... '' All reps giving " odd names '' such as XXXX diff person stated to be XXXX XXXX ( all from XXXX XXXX call center ! ), or XXXX XXXX or XXXX XXXX, these are from XXXX. That also bring issue 2/ PII, addresses, DOB and all info passed from US XXXX XXXX XXXX who can effectively stole identity w/o any control/ oversight by US government/ agencies. 
I think that is ABSOLUTE disaster. 
On top, seems like XXXX XXXX XXXX is just RENOWN for this behavior w/o any action from our Government. Sincerely XXXX XXXXXXXXXXXX
- I am in the pr
ocess of relocating, and have been paying my bills on-line. My mortgage with Seterus has always been paid on time, I have no financial difficulties, and on only one occasion has it been paid within the 15-day grace period ( my most recent payment ).
Seterus processes its payments through a XXXX XXXX site via a pop-up that bypasses any need for, or inclusion of, a XXXX XXXX account. Last month 's payment did not process, an Electronic Funds Transfer " bounced '' and, in spite of the fact that both XXXX XXXX and Seterus have my phone email address, and Seterus also has my phone number and current home address, nobody called me to notify me of the issue. Instead, Seterus sent me a form letter via mail that got to me two days before the grace period ended. My attempts to talk to both XXXX XXXX and Seterus were a waste of my time.
On multiple occasions, when trying to access the payment utility on the Seterus web-site, I have gotten caught in a software loop that will not advance me to the payment page. I have also had their web-site crash multiple times when trying to use it.
Today is XX/XX/XXXX, and I made my payment due XX/XX/XXXX last night. I checked my bank account today at XXXX, and the payment has still not processed. Seterus says to allow 24 hours for payments to process. I have 6 USPS days till my payment is due, if the money still has n't been transferred from my bank account by tomorrow XXXX, I will have to mail my payment, and it may not arrive on time.
There is NO email address for Seterus ' customer service on their website.
I got my mortgage with XXXX because their policy was to NOT sell their mortgages ... and my mortgage was sold to this company which acts like they do n't want my money.
This company has not responded to the original complaint I filed through CFPB in XX/XX/XXXX. Yet, since then they have updated my credit report several times, increasing the balance every single time. Everytime I have had it investigated through XXXX, they respond to XXXX stating they have " corrected the balance ''. They never actually " correct '' the balance, they add bogus charges and it passes XXXX 's dispute process because they claimed they've corrected their error. 
This is such a fraudulent, conniving and manipulative practice and I can't believe they are still getting away with it.
On XX/XX/XXXX, I received an email from Citibank containing an offer to " Earn up to {$700.00} cash '' for " mak [ ing ] a qualifying deposit in a Citibank Savings Plus Account or Citi Savings Account. '' I enrolled in the offer the same day I received the promotional email from Citi on XX/XX/XXXX. I clicked through the link in the email to enroll in the offer. A few days thereafter, I funded the Savings account, precisely for the purposes of meeting the offer 's conditions. I also maintained the required funds through XX/XX/XXXX, as required under the terms of the offer ( again, specifically for the purposes of meeting the offer 's conditions ). I 've tried to resolve this with Citibank Customer Service a few times now, but they continue to claim that I never enrolled in the offer or satisfied its conditions. I would not have gone through all of these precise steps, if it were not for the offer.
Sheffield Financial is reporting incorrect dates on my credit report thereby extending the 7 year reporting period. On my XXXX report ( enclosed as attachment ) they are reporting the date of delinquency as XX/XX/XXXX. On my XXXX report ( enclosed as attachment ) " No Data '' for XXXX, XXXX, and XX/XX/XXXX was reported. This account went 30 days past due in XX/XX/XXXX. I made a few partial payments after XXXX but the account continued to remain in arrears. In XX/XX/XXXX, I consulted an attorney if reference to this account ( attachment enclosed ) at which time the account was more than six months delinquent. I request Sheffield Financial substantiate payments received during all periods they are reporting during XX/XX/XXXX. If they are unable to do so, since the account became 30 days past due more than seven years ago, they need to delete any and all negative information reported to all credit agencies associated with this account.