WillisBack/dataset-financial-user-claim huggingface dataset:
I have had Federal Student loan since 2007, that 's when I have began my XXXX XXXX XXXX and where I had hoped that after completing my course I will start my professional career but it all ended up to nothing counselor at the school did not help me at all while being in the school or after completing did not guide me to get job and to start my career. they lied to me. it was really frustrating and it 's all hurting up until now. at first in 2007, at that time my loan was approved by the company called XXXX I was not able to afford the expenses and at that time I really need the job with high pay. seeing that people at the college showed us big dreams but at the end we got nothing but just to pay off the loan we got just to learn nothing. after not finding the job in field I have worked hard in checkers and began making my monthly payments because I really did not want it ruined my credit. now, recently, almost a year before my account has been transferred to AMERICAN EDUCATION SERVICES, I have tried and explained to them that currently I am not working and explained them all in details how the school have cheated me but they are saying they can not help. and MOST important when I log into my American educational Service account online I see everything including the date my loan granted but I do not see my payment history from the beginning to up until now, i made a lot of payments toward my loan and on the payments checks I have wrote a note to apply all towards my principal balance but now even after i have made those payments I do not see the principal balance has been gone down in fact they just keep like to add interest on top it. i have requested them several times why the payments I have made toward my principal loan while my account was with XXXX why does not reflect on my account or when i ask them I need see it. they just say they will send the request to my previous loan carrier which was XXXX and they will mail you, i never had received the mail and i requested them several times. but my question is if it is same account that has been transferred to AMERICAN EDUCATION SERVICE and they are showing every single things but missing my payments history why this has not been transferred to them and should reflect to my account currently. I need know where the payments went to? as for my knowledge I paid like almost near {$3500.00} toward my principal balance but I do not see that amount reflecting my account. where did it go? it should have applied to Principal balance. but if not where is it on my account? i see all interest that has been added from past 2007 but where are total numbers of those payments I made toward the principal? If they will not forgive my loan? I need them to get the total of the payments I made from beginning from 2007 up until now and deduct that from my Principal loan.
My identity was stolen in XX/XX/2016 and as a result, there is an address on my credit report that has never belonged to me. I would like to get this address removed from my credit report : XXXX, KS XXXX
Upon trying to sell my house, it was found out that my payoff amount was higher than thought ... .Nationstar mortgage ( loan # XXXX ) shows an interset bearing principle balance of XXXX XXXX and a non interest bearing principle of {$79000.00} ( attached ) ... .Nationstar cant tell me what this {$79000.00} is and doesnt have any documents to provide..They told me to call XXXX XXXX ( loan # XXXX ) whom they purchased the loan from in XX/XX/XXXX ... XXXX cant seem to find out where this amount comes from ... when asked to provide proof of this with documents, they have not done so ... They sent what looks like an amortization schedule.. ( attached ) ..PHH took over the loan from XXXX XXXX ( loan # XXXX ) in XX/XX/XXXX ... I had a loan modification with XXXX ( attached ) and a loan modification with XXXX in XX/XX/XXXX, which I have no documents and XXXX hasnt sent ... .The problem is my total payoff with Nationstar is {$250000.00} and my loan originated at {$250000.00} in XX/XX/XXXX when I bought the house 10 years ago, and XXXX cant come up with proof or documents and neither can Nationstar, about this extra $ XXXX..Please note, when talking with XXXX, XXXX with litigation department, cut in and said XXXX doesnt service the loan anymore and can not give me documents
I had a few different forebearance agreements because I could not afford to make my payments and of course when the forebearance was over my payments were even higher than they were to start with and I would again start falling behind
Credit card company called me to inform of suspicious charges. When I called back, they could not verify my identify based on the information I gave. After further research, it was determined that someone had stolen my personal information. That person had called credit card company to report my card stolen and then opened a new account. They also changed the information on my account to include address and phone number. I was also told that they were able to change my mother 's maiden name on the account. How can someone be allowed to change that? It is a fixed value. The company did not raise any red flags that fraud was occurring and this should have been their first clue. I was assured that " rigorous '' security questioning occurs before any changes are made to the account. I placed a passcode on the account to add increased security per the representative. However, when I called back later in the day with additional questions, I was not asked for the passcode to verify my account - only asked my DOB. This is unacceptable security.
This debt in regards to an apartment that I never lived in is on my credit report. I have contacted the original creditor and the collection agency. The collection agency seems to be going after me for something that I do not owe as I have not lived outside of my parents home and also mentioned another person who never lived at this apartment that they are trying to collect money from. This has been taken up with them before and no police agency will take a report for something that is 6 years old as the collection agency is requesting that I file.
Hello : On  XXXX   XXXX  2017 a company by the name of Experian Business Credit on behalf of   XXXX   XXXX   XXXX   made a hard inquiry on my credit without my authorization or even knowing who they are. Their address is :   XXXX   XXXX   XXXX   *   XXXX   XXXX  , CA   XXXX   These type of hard inquiries of course lower a credit score and it is especially irritating when I do not have any idea who they are and I never authorized this inquiry.
I want this inquiry removed at once - please advise - Thanks!
I checked debt collector on this because this is what this company represents them selves as. I am writing ab out Select Portfolio Servicing LLC. I was given a payoff plan to payback an amount I owe in arrears on my mortgage by Select Portfolio Servicing. It is a plan of 12 payme nts of  XXXX  dollars with a balloon payment at the end of  XXXX .  <P/> On the  XX/XX/XXXX  they received a dispute letter from me as to the amount owed as well as a request for the breakdown of all the numbers. I wanted to be clear as to how they came to these amounts before I pay them.  <P/> I called today to check on it. The payment plan was to start on the  XX/XX/XXXX  with the first payment of  XXXX . I have not heard anything about my dispute letter or my request yet. The first thing they tell me is that my account has been referred to a lawyer. It 's not even past the expiration date of the agreement yet. So why are we referring things to a lawyer. Also I have n't gotten an answer as to my dispute on the debt yet and it 's almos t 30 bus iness days since the request.  <P/> This company seems very intent on foreclosing on me rather than working with me. I have much distrust in their accounting due to having dealt with them on this issue for over 8 years. I have many times requested that we do a Principle reduction on the amount owed but they tell me they ca n't. Companies like them received millions of dollars during the housing crisis to do exactly that and they refuse to help. Claiming the investors in the trust would not approve that kind of action. I am not even sure if they can legally collect on my trust seeing as though they give me no direct connections as to who makes the actual decisions. It 's all very shady.  <P/> 
I have also may times asked for them to send me a copy of   the  Pooling and Servicing ag reement that they have to service this loan, it is public record, they refuse to send me a copy.  <P/> So I would like to see the breakdown on this Agreement that they have sent me. I want to know how much goes to fees, what those fees are, how much goes to principle and what would be the remaining amount of the mortgage will be after this plan has been completed. I need all that in writing before I would even feel comfortable paying this.
Midland Credit are sending these unprofessional people serve papers. When they do n't get there way they become obnoxious and rude. When we told this private and have a no trespassing sign they still ignore. When we told him to leave he holler out the window exposing our business in front of the entire neighborhood. Telling us hope midland credit sue us and take us for everything we have. My husband is XXXX and on a lot of medicine. After this he became very angry and agitated. These put look very unprofessional and always shows up on Sunday. We 've told them not to contact us because we have no original business with this company. I will be filing a lawsuit against these people.
Two payments were made, the first on XX/XX/XXXX for XXXX confirmation code XXXX. The second was made XX/XX/XXXX also for XXXX confirmation code XXXX. Despite these payments which would have brought my amount due to 0, I continue to receive emails and regular mail letters stating I am severely overdue. On Tuesday XX/XX/XXXX an XXXX XXXX XXXX rep told me the issue stemmed from the payments being made " during a transition '' and the issue would be resolved and the payments applied. Today a gentleman told me my loan has not " fully converted '' to their company and that he wasn't sure why. The payments were both deducted from my bank account but seem to be lost in limbo. My primary concern is if the 2 payments take too long to apply and the delinquency is reported to credit bureaus, considering they've now been lost for 20 days.
When signing in with customer service representatives over the phone for auto payment they got my bank account wrong .after that because I was out of country and could not manage all accounts I got a late payment on my credit report.i never had any late payments ever.now this is affecting my score with bad impact.when I find out this I made a payment immediately but did n't help
On XX/XX/XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX an authorized service provider with XXXX XXXX XXXX XXXX XXXX came to our home. My wife XXXX and I listened to him for about an hour explain how he could get us on the Grid to eliminate our electric bill and maybe even get a refund at the end of the year. We were so excited about eliminating a monthly bill and helping the environment we signed the 2 purchase agreements ; one for {$11000.00} and the other for {$7500.00} ( XXXX XXXX said this was necessary to get the tax credit of {$5600.00} on our XXXX return ). Work proceeded and the system was live with our electric company ( XXXX ) on XX/XX/XXXX. Our XXXX bill came and we saw no credit and I called XXXX and was told that some electric companies delay the credit for one month due to accounting. Our XXXX bill came and only reflected a savings of {$60.00} from last XXXX or 21 %. Again I called XXXX and they sent a tech to my to verify the system was working and found it was working. Many calls XXXX management and no answers or resolution. I have now received my XXXX bill and it shows only a savings of {$13.00} from last year or 5 %. I have filed complaints with other agencies and am looking for financial relief with the finance companies in this matter.
Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX. XXXX were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX was to have filed a claim on my behalf in accordance with XXXX procedures. I checked with XXXX and was informed that they show no records of any claims in the amount of {$850.00}. A duplicate bill in the amount of {$850.00} along with XXXX form was sent to XXXX. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.
On XXXX XXXX XXXX, I transferred XXXX bitcoin from Bittrex.com to Coinbase.com. While XXXX shows the transaction was completed and successfully sent, Coinbase does not show that any amount of this transaction was received, or even pending. There 's no evidence on Coinbase that any bitcoin was received at all. I have contacted Coinbase about this issue twice in the past, once via the online support on XXXX/XXXX/XXXX ( Case ID : XXXX ), then again through Coinbase 's telephone support on XXXX/XXXX/XXXX ( Case ID : XXXX ). These cases are still open on Coinbase and unresolved. I have been unable to gain access to my funds in nearly 3 weeks. 

Through XXXX I was able to find my Coinbase address to which I sent my Bitcoin, as well as the Transaction ID : Address : XXXX TxId : XXXX
I ordered an XXXX from XXXX XXXX XXXX. This was an XXXX XXXX. XXXX XXXX XXXX over the course of a month could not get the phone set up properly : They could not get it to adequately connect to their network, they could not get Voice Mail to work. They had me go to XXXX and get a different phone and still they could not get it to work properly : I had been an XXXX XXXX XXXX  customer for over 15 years at that point. 

I attempted to return the phone to XXXX XXXX XXXX directly ( twice ). I canceled my account with them and went on to XXXX. 

XXXX XXXX XXXX is attempting to collect a debt for service, merchandise, and product support that they did not provide. I attempted to resolve this with XXXX XXXX XXXX three different times and even offered to restart service. XXXX XXXX XXXX could not even make that happen. 

They attempted to collect on this previously. It was removed from my credit reports as it was not a valid debt by the debt collection company. 

I do not owe money : They could not keep to their Service Level Agreement, and I discontinued my patronage of their business. 

The debt they are attempting to collect is not owed and is an issue that is now nearly three years old.

I even kept the new phone in it's packaging for two years.
Lost high salaried job in XX/XX/XXXX ( recession ) and fell behind on mortgage payments financed with XXXX. Applied several times for loan modification and loss mitigation options but denied each time. Finally, in XX/XX/XXXX, we had to vacate premises as we tried to sell the home for one full year without success and knew we couldn't make payments plus cure arrearage. In XX/XX/XXXX, we filed for deed in lieu of foreclosure with XXXX and were approved. We had since moved out of the property and turned over to XXXX. We received notice, in writing at our new residence, that the deed in lieu was delayed due to a water bill lien ( allegedly a {$69.00} unpaid water bill ) filed by the City of XXXX  XXXX and we must cure the lien first to proceed. We obtained letter from the City stating there is no record of a water utility lien or outstanding balanced owed and we faxed it to XXXX. I called XXXX and was told they had everything needed to proceed and did not receive anymore letters, notices, emails or phone calls from XXXX. About one year ago, I checked my credit report on line at XXXX XXXX XXXX and found that all three credit reporting agencies showed negative public record reported for foreclosure. We were told our home would not be foreclosed because there was ample equity which is why the deed in lieu was originally approved. XXXX failed to adhere to proper legal notice and notification of their intent to foreclose. We were not served with writ to foreclose or provided with legal notice as per the law. We were no given the option to cure the deficiency before proceeding to foreclosure and now my VA home buying benefit can not be used again until I repay the VA {$70000.00}. I feel my credit rating has been damaged, my credit report is inaccurate and marred my creditworthiness and my VA housing benefit ( no down payment when buying another home ) has been denied me for future use until I repay the VA {$70000.00}
On XXXX XXXX, 2015 a transaction occurred on my checking account that was completely unauthorized. {$2500.00} was debited from a business that had my card information. I called TD Bank immediately and spent the better part of XXXX hours trying to get through to someone who could put a hold on the transaction, as it was currently " processing ''. I was told by multiple persons, in multiple departments that although every other bank can process a typical " stop payment '' that TD was unable to do so, and I would have to wait until the transaction processed in order to proceed with any kind of reversal. The merchant has no receipt, no invoice, no signature, no verification whatsoever of the transaction, refuses to answer my calls, and TD Bank has refused to do any legitimate investigation and get my money returned, though I provided a full account email to them, faxed verification, and was told within hours of submitting all my information that they were not interested in helping, and that I would have to contact the merchant. The same merchant who will not respond, and this has put me on par with being told the house break-in victim has to contact the burglar.
I met all of the requirements for a {$200.00} bonus from PNC bank and now they are not honoring the offer. The offer stated that the bonus would be paid " within 60 days '' from the date that all of the requirements were met. I have an email from PNC dated XX/XX/XXXX stating that all of the requirements were met. I called them last week and spoke to a banker named XXXX at the branch where I opened my account at XXXX, XXXX, MO XXXX. He told me he needed to contact corporate office and would get back to me. When I spoke with him this morning, he stated that I would not be receiving my bonus at this time.
Transunion is not actually investigating disputes. My identity was stolen and they 've rejected every dispute. I had to sue and finally get numerous incorrect data they never actually verified removed. Now they have another XXXX accounts and inquiry on there that are fraudulent and not mine, yet they claim they have verified. I have a police report proving they are not mine.
I do not earn enough to pay the payment set by Nelnet and still be able to pay other bills let alone eat. I have tried since XXXX 2015 to get the payment lowered but Nelnet continues to reject my applications. The latest : They sent me a partially completed application, I completed it, sent it with my 2015 tax return and they sent me a blank application ( the same XXXX they had sent partially completed ) with the statement that they could not read the documents I sent. I have completed the application online twice and sent a completed one via email once. Calling their service reps results in nothing being done except me losing hours of time and having to hang up more than once to get to work. My mother has tried and all she gets are requests for her to call them. They have the paperwork and the proof of income. They just refuse without cause to lower the payment.
Equifax has done the most repulisve and disgusting thing one can possibly do, after nearly 2 years of a contentious near legal battle going agiainst there obstence to block XXXX debts and accounts they have again proven there nefarious colors and reinserted each of the deleted accounts. Juding and juxtaposing the older Equifax statements you clearly see the agreement with them in blocking each of those accounts. 10 months later and now all of them are back. 
XXXX-These had been blocked in XXXX there are XXXX of them XXXX XXXX in XXXX XXXX-Blocked in XXXX XXXX-Blocked in XXXX XXXX-Blocked 7 months ago XXXX-Blocked 3 years ago Et aL, THE ENTIRE THING IS A MESS AND IF THIS ISNT RECTIFIED I HAVE NO OTHER CHOICE BUT TO COMMENCE A SUIT, I HAVE SENT COUNTLESS POLICE REPORTS, FTC NOTICES AND DONE ALL THE LAW ALLOWS, THESE PEOPLE DONT LEARN THEY ARE THE ONLY ONES WHO HAVE DONE THIS REINSERTION
I want my credit report updated and the harrassment from collectors to stop. 
I got free legal help from my community action center ... filed bankruptcy chapter XXXX. I'm XXXX on Social Security and tired of being bullied. I called all 3 credit bureaus, and each of them have the rudest, clueless representatives. 
My discharge date was XX/XX/2018 and I was informed by the court that I would no longer be harrassed and my creditors would have no recourse, credit report updated. Etc
There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. 
XXXX XXXX XXXX- Repossessed no balance due! Account never fulfilled XXXX XXXX- Never Opened ( fraud ) XXXX XXXX- never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX- Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!
The XXXX price has fallen to a relatively low price this morning ( $ 11-12k down from $ 13-5k last week ) so I wanted to buy in with my Capital One XXXX credit card that I recently got renewed. To my surprise, XXXX rejected my charge because apparently Capital One banned all cryptocurrency purchases on their credit cards. I was completely unaware that their policy changed and missed the price opportunity I wanted to invest at. This wasted a bunch of time looking up all this nonsense, calling customer service, and now reporting this claim. There was no email notice, announcement blog, nor widely publicized tweet, just a few small sites covering a customer service reply to someone else complaining about their credit access being cut. The CFPB website says 45 days notice is required before a major change to a credit card 's terms of service, so XXXX? I had been watching the price charts all night long for the right time to buy-in expecting to be able to use my available credit. Fortunately I have other payment options or this would have cost me some coin, but I bet this failure to notify cost many others lots of money in lost opportunity ... seems like a class action waiting to happen. 

I understand that cryptocurrencies are often purchased with stolen cards, but there are many ways to validate and verify transactions rather than banning them altogether - simply ask cardholders their intentions. 

I was told by the president that you can do anything! Except pay XXXX with Capital One apparently ... 

I 'm actually shocked how much control this company has over my purchasing ability, so lesson learned. I 'm moving my money.
someone applied for a lot of items in my name i contact Equifax Credit Bureau i sent them letters and they never respond back.