WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX    XXXX  , I filed for Ch.  XXXX  bankruptcy in the   XXXX   XXXX  . In  XXXX    XXXX  , I received a Discharge ( see attached ). After a ten-year period,   XXXX   and   XXXX   removed any mention of debts which were  discharged  ; howeve r, Citimortgage h as continued to assert that the mortgag is a new debt and report it to  XXXX . I have disputed this account for the past 2 years with no success. Also, each time  XXXX  removes the account, it is reinserted a month later. This has caused my  credit score to  go down by  XXXX  points. I have reached out to  Citimortgage as well. They have refused to acknowledge that the mortgage was discharged  and should be be reported to any of the CRAs. They are in direct violation of the FCRA.   Although I still reside in the house, there should be no reporting of payment/non-payment on the mortgage.   It is my  hope that your agency can assist in getting this cleared up and my credit score  restored to its previous number of  XXXX .   Thank you in advance.
Thank you for taking the time to review my inquiry. I am an Ocwen customer who suffered damages as a result of XXXX XXXX. My insurance co had mailed me a XXXX party check for repairs of my home. I sent the check to Ocwen, they endorsed it and mailed it back to me. I endorsed the check and deposited it in my personal bank account. I used the funds to pay my contractors as I was supposed to do. In XXXX of 2014 I attempted to make my regular monthly mortgage pymt and was not allowed to as I had been charged XXXX in " fees '' on top of my payment and was not able to make a partial pymt, The " fees '' they are referring to is the XXXX in insurance money that was never due to them, nor will it ever be due to them. I have complained multiple times and have reached out to Ocwen customer service and their research dept but have gotten nowhere. In an effort to save my home I applied for a modification which was recently approved however they still have not removed the XXXX in " fees '' and as such my payment has gone up considerably. While I am grateful for the modification offer, I can not accept it until the " fees '' are removed. I have contacted the XXXX for assistance with dealing with Ocwen as they do not operate in the XXXX and I was given this agency 's information for assistance. 

I thank you for your time and attention to this matter and look forward to working with you to resolve my mortgage issues.
My Insurance Company, XXXX XXXX, increased our auto policy due to no credit rating for me but did have credit rating for my wife, but it lowered our credit score. 
Checking with XXXX XXXX ( contract firm who collects credit data for ins. co. ) they supplied me with a listing of the information they received from Equifax, the credit reporting company they use to provide info to the insurance company and said any corrections would have to come from Equifax. The report has indicated that along with my personal credit record, they include an entry for one XXXX XXXX XXXX, XXXX with a SS # that is almost identical to mine except for XXXX ( XXXX ) digit, XXXX instead of XXXX AND XXXX XXXX is now deceased. The record shows my address I have had for 24 years and his former address was in Florida but they added my address instead. I tried to resolve this with Equifax twice and each time I was directed to request a copy of my credit report from them again and submit more copies but each request got only another form letter asking for more information to be submitted. The last request I sent ( third time ) I included copies of my birth cert., social security card, XXXX copy, drivers license, XXXX utility bills with my address ( even after my supposed death ), and still got the infamous form letter for more of the same information to be submitted. I feel this is a clerical error on someone 's part adding the incorrect information to my file.
I was instructed to submit my credit card for a {$30.00} deposit charge for my rental car. The car accident happened XXXX/XXXX/XXXX. I was not notified until after XXXX that they were unable to Locate her insurance XXXX and I was subsequently charged {$3300.00} for the rental car while they conducted their investigation. XXXX XXXX refuses to refund my funds due to XXXX error during the investigation. I received a letter from XXXX XXXX advising me if I had documentation that XXXX was going to pay for the rental car, I will be refunded my money that was unauthorized and taken out of my account. I submitted this evidence to XXXX XXXX by fax.
The caller identified himself as someone from a debt collection agency ( unnamed ) and said my daughter owed {$250.00} to XXXX XXXX XXXX XXXX through named doctor who she had seen and had had outstanding debt at one time, so I thought it was legitimate. They had an old address for her, so I gave them her new address and phone number. I also told them we would need a copy of the bill. He agreed to send it and a settlement letter with a reduced amount ( red flag ) to my email, which I gave him. A little internet research indicates this is a scam. I did not provide SSN or credit card info. 

Caller 's name : XXXX ( with a strong XXXX accent ) Called my mobile phone from : XXXX ( says XXXX, TN ) He told me to have them call her at : XXXX
I went to XXXX school at XXXX XXXX College XXXX XXXX in XXXX from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX/Navient 's ( SMN ) deceptive practices over the course of last 8 years has left me in a crippling position with respect to my loans, private and Federal. The total original principal amount was {$200000.00} XXXX XXXX - {$96000.00} ; private - {$100000.00} ). For three years after law school, I was either underemployed or unemployed due to the market crash. Since 2011, I have made approximately {$63000.00} in payments toward my student loans. XXXX strong-armed me into recklessly prioritizing my private loans over my Federal loans. My current indebtedness is approximately {$420000.00} ( Federal - {$250000.00} ; private - {$160000.00} XXXX. 

For five years, I have been asking for a way to permanently reduce my interest rates. My XXXX private loans have rates that range from 8 % ( XXXX loan ) to 10 % ( XXXX loans ). Each year, XXXX enrolled me into a Rate Reduction Program that was initially sold to me as a way to permanently reduce my rates. Yet, every year I am told that I have to re-enroll for another year in order to qualify for a permanent reduction. In XXXX, I was re-enrolled and payments were set at approximately {$1000.00} ; this is in addition to the {$1000.00} payments to XXXX for my consolidated Federal loan debt at 7 % interest. In XXXX, I was told I had been rejected from the Rate Reduction program, that my monthly payments were {$1700.00} and I had to re-apply by submitting three months worth of bank statements ( and had to include 3 months of my sister 's bank statements because she had co-signed one of the loans ). I asked for something in writing explaining the application process and the Rate Reduction Program. I told the XXXX rep that bank statements seem awfully invasive. He threatened to write in his call notes that I was being uncooperative and had voluntarily rejected applying for the program. He also said that they were not allowed to share any written details of the program or the process by which they calculated enrollment/payments. 

I 'm completely at a loss at what I 'm supposed to do. My Federal loans skyrocketed because of the advice I took from XXXX five years ago. I have no hope for a future that is n't filled with crippling debt. I 'm XXXX years old. I have no family, social life, health issues due to stress, and no way out. I do n't want this to be the rest of my life. I do n't want to die alone. 

Please help me.
I am taking legal action against National Collegiate Trust/NCO but their servicer American Education Services keeps contacting me about the past due loans which I have wanted moved to another servicer. I had a rep ask me when I will make a payment when I advised her that National Collegiate Trust or NCO will have to contact my attorney which I advised them of several times. They removed the attorneys phone number which I am not why they do that, I have the copy of the retainer I signed.
Southwest Credit System, now doing business as XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX keeps reporting as collection of {$150.00} to XXXX XXXX XXXX I paid this bill I have cancelled check showing it was paid. 

I disputed it with both credit agencys XXXX XXXX and XXXX 
gave them 30 days to remove it. 

30 days later its back on my credit reports as unpaid. 

I am XXXX.. I call them via relay for XXXX, they tell me stuff like they ca n't accept relay calls, or they transfer me to another dept / colltion person.. and then the phone hangs up. 

Southwest credit Systems, now XXXX XXXX should be forced out of business these guys are dishonest! this one negative iten is preventing me from getting a loan, even though I show lender copy of check that it has been in fact PAID in full. they say sorry not until its removed from your credit report. but you ca n't get it reomed if the XXXX XXXX XXXX keep reporting it to credit agencys as unpaid.. 

the XXXX BBB has suspend Southwest Credit System, now doing business as XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX due t extermly high level of complaints about them.
TransUnion did not investigate any of my disputes. I submitted disputes to TransUnion about XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have contacted both companies and neither XXXX or XXXX XXXX has received any notice that I am disputing the entries on my credit report. I believe TransUnion is lying about actually investigating my complaint and the have NEVER sent me any proof that they were investigating. They also refused to put a 90 day alert on my credit report.
I just pulled my credit report and found that Best Buy/CBNA is reporting that a joint account ( revolving credit card ) that i was the co-signer on is reporting as profit & loss with a balance of {$4700.00}. This came as a complete surprise to me as I have no debt other than a small personal credit card which i pay off monthly. I immediately called Best Buy/CBNA via the phone number listed on best buys website of XXXX and requested information about the amount owed and how i can remedy the situation and bring this to a XXXX balance. It took them around 30 minutes of hunting to even find the debt in question and they could not find it via any of my information and requested that i provide info on the primary borrowers info, at one point including his ss number, whom i co-signed for. I was able to give them his name and the last 4 of the account that shows on the credit report and finally they were able to find the account. Once they found the account they could then only tell me that they show a {$4700.00} balance but that they are not collecting on the debt and as such i could only make a voluntary payment and would need to mail a check to their PO BOX and that i should put the last 4 of my ss # on the check. I expressed that i was not comfortable with this solution and wanted the account number which they refused to give over the phone. I then requested that they send me a statement in the mail which they could not do because they were not collecting on the debt. The best option they would provide, and it took 30+ minutes to even get them to offer this, was to send me a letter stating they were not collecting on the debt. My issue is that the account was closed in XXXX and has had a growing balance for 4 years and at no time have i ever received any documentation, statement or other correspondence from the creditor to inform me that there was a problem ; much less an amount owed and delinquent. It seems completely unfair that they should be able to report to the credit bureaus trashing my otherwise perfect score and credit history that i am delinquent on an account and balance when they have not sent any correspondence to me seeking payment and then when i call to try to make payment I am told they can not take it.
This is the second complaint, after the 1st complaint to cfpb CASE # XXXX, My mortgage company Nationstar, lost XX/XX/2015 payment that I sent. So being 2 months behind I tried to make a payment, they rejected saying that I was 4 months late. Yeah, I was 4 months late because they lost XX/XX/2015 's payment. Of course they put the burden on me to find out where it went, they gave me a " fax '' line to a " research department '' to send proof. I sent them a XX/XX/XXXX statement on the XX/XX/2015,. I learned on XX/XX/XXXX they sent out a letter stating that to of no fault of there 's they could n't find anything & closed the case. The letter sent stated that if I had any added proof to send it. I then drove to the bank had them send over a statement and the electronic copy of a check on XX/XX/XXXX. I called on XX/XX/XXXX and they told me they ca n't tell if the research dep. received it or not because they ca n't talk to them, no one can talk to that department I was told. Today is XX/XX/XXXX, & I sent all the info again via fax,, its funny how they want me to send it to a fax #,, I 'm so tired of being helpless,,, I 'm mean really, There trying to force me into foreclosure because of the modification & the complaint to cfpb, when I called to ask why wo n't they accept a payment, they said I have to make a payment resolution or nothing at all,,, meaning I have to pay all 4 payments or they put me into foreclosure. 
How is this fear? I ca n't come up with four payments,, this is totally not fear, and people are losing their homes when they can afford them. I 'm losing my house because they wo n't let me pay them,,, and why is this modification taking so long? These people are making up rules & breaking the law in many cases and no one is looking into this stuff,,
they removed this info. from my credit report without my permission which is in good standards XXXX {$6000.00}
This is my old complaint #  XXXX  which is closed.   Bank of America has made wrong decision based on my past affiliation with my last employer and my old friends in   XXXX   XXXX  . I left my past emplo yer (   XXXX   XXXX   XXXX   ) i n  XXXX   XXXX  because company had financial and legal problems.   I le ft USA on   XXXX   XXXX ,  XXXX  and came back  XXXX   XXXX ,  XXXX  to  XXXX . ( I have given profs of me not being in  USA )  Since  XXXX   XXXX ,  XXXX  I have no contact with anyone in   XXXX   XXXX   nor I have been to   XXXX   XXXX  . Someone from my old addres s (   XXXX   ) got hold of my credit cards coming in mail and used them illegally without my knowledge. Therefore I 'm not responsible for the charges on my closed credit cards accounts.    Please help me to resolve this problem. I 'm having lots of problem because my credit report is very bad because of this.   Thank you very much.
Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency XXXX, Equifax and XXXX several times.
XXXX XXXX has been reporting negatively with different information on each of my credit report XXXX open XXXX/XXXX/XXXX reported- closed charge off update XXXX/XXXX/XXXX Equifax open XXXX/XXXX/XXXX reported closed charge off update XXXX/XXXX/XXXX XXXX open XXXX/XXXX/XXXX reported closed charge off update XXXX/XXXX/XXXX XXXX XXXX keeps reporting the account as active when file a dispute with credit agency when is incorrect. they also send different information to different credit agency which is not consistent. the account has been closed for more than 7 years yet they keep sending incorrect information causing a loss of 80 points on credit report. This company keeps reporting to credit agency as if the account has activity which is does not since XXXX
My home was destroyed by XXXX XXXX in XX/XX/XXXX, my mortgage servicer Freedom Mortgage gave ma a 3 months forbearance, them extended it for another 3 months, for a total of 6 months. After the 6 months forbearance ended in XX/XX/XXXX, my house was still being repaired and I asked for a disaster modification to bring my payments current. I submitted all of the paperwork they asked for, they cost it several times, then when they finally acknowledge they had everything my file was sent to underwriting. Underwriting came back and said that there was a lean on my title. You see I did not have flood insurance, because I was not in a fold district, the only reason my home flooded was because the XXXX XXXX XXXX XXXX open the reservoir and flooded my entire community. XXXX gave us all loans to repair our homes and they put a lien on the property. XX/XX/XXXX, I called my mortgage servicer and found out they stalled my modification stating I needed to pay off the lien. I asked customer service to please have the person that was assigned as my single point of contact to please call me, I needed to know what could be done to save my home, no one ever contacted me. In fact throughout the modification process, my single point of contact has never responded to any of the request I've submitted for her to contact me. Since I could not afford to pay off the lien, I contacted XXXX, and they said they would do a subordination, but they needed the new loan terms. XX/XX/XXXX I went back to Freedom mortgage and they said since the modification has stalled they can not give me new loan terms. I asked Freedom mortgage to please provide something in writing so that XXXX could subordinate the title, but they refused to give me anything. On XX/XX/XXXX, I went back to XXXX and they contacted Freedom Mortgage and requested a letter stating what the terms they were looking at for my modification. That request was submitted with a turnaround time of XX/XX/XXXX. On XX/XX/XXXX when I called for an update on the letter I was told, I needed to give it some more time to received that letter via email. By XX/XX/XXXX I still did not get the letter, so i called Freedom mortgage and spoke to a rep XXXX, she said the letter was sent to the wrong dept, so she sent another request to the correct dept. On XX/XX/XXXX I received a letter from freedom acknowledging the payment I made for XX/XX/XXXX, I was trying to prevent my home going into foreclosure. It showed me a total amount due of {$8100.00}, but when I call the automated system give me a different amount. I ask rep XXXX why I was getting 2 different amounts due and she told me to disregard the letter. I am now very sure that something underhanded is going on. They are stalling in giving me the information needed to get this modification completed, giving me incorrect amounts due, and threatening to foreclose on my home. Dealing with Freedom Mortgage is worse that going through the flooding and having to be evacuated by the XXXX XXXX during XXXX XXXX.
After graduating from XXXX XXXX 2013, I was accepted at XXXX XXXX University with XXXX GPA. One year and a half later, due to family medical issues, my parents had to remove me from XXXX XXXX University. I tried to into a community college, but due to our debts at XXXX XXXX, they would not release my transcripts. My Dad saw an ad from the XXXX XXXX XXXX, stating if a student enlists in this service, their loans will be paid, and they will receive a bonus after completing XXXX and XXXX XXXX. This turn out to be an outright lie. Now over two years in the XXXX XXXX XXXX, proper training for XXXX, have not been granted to me. The recruiter officer, advised me and my parents, I will get $XXXX per month for XXXX XXXX, my bonus of $XXXX  after XXXX, and payment for my student loans, which never happen. So far it took one year for the XXXX XXXX XXXX to pay $XXXX, with most taken out in taxes. Six months ago, I sign up for XXXX XXXX XXXX in the XXXX and still waiting for my release papers. According to Nelnet, I have a student loan balance over $16,000.00.
In XX/XX/2017 I worked with a company XXXX XXXX XXXX who " bought '' a credit card debt from XXXX XXXX. In a good faith effort to pay that debt and clear it up, I paid the " OFFER '' amount to settle it in full for XXXX out of XXXX owed. I paid the XXXX to the collection company on XXXX 's behalf and XXXX refused to and still refuses to show " settled paid in full '' according to my agreement with XXXX, XXXX who provided me with a letter stating " Settled in Full ''. 
IF XXXX  is representing as XXXX XXXX collector than I should be given the curtesy of having my account reflect the fact that I did the right thing and paid the agreed Settlement amount.
They sent me a letter from a debt agency, I did n't know if it was true. I sent in two payments but afterwards, they told me I would not any get receipts for paying for it. So I sent them a verification letter they have not responded.
how ever they are are searching for XXXX XXXX they call all hours of day. They have been told several times there is no XXXX XXXX with my number. I have had the same number for over 10 years. Calls stopped for a short time but have becoming more frequent. When I did talk to someone ( XXXX ) told them my number is on the DO NOT CALL. This out and out a SCAM. These people should be arrested but the Government seems to do nothing. The Government should go after these people and make an example of them, fine them millions and send that money out to all the people they are harassing. Yet they continue cheating people, stealing and get away with it. So the Government is telling them what they are doing is okay. Apparently what ever the Government is doing to stop this kind of activity is so soft that if they did it with on number they just continue to change numbers and continue. Where is the justice in that? I will again file a complaint with the XXXX XXXX XXXX XXXX but this has to stop either the Government has to do it or someone should. 

STEP 5 ; XXXX XXXX DOES NOT HAVE THIS NUMBER XXXX I HAVE HAD THIS CELL PHONE FOR OVER TEN YEARS. I DO NOT KNOW ANY SUCH PERSON THEY ARE LOOKING FOR. THEY HAVE BEEN TOLD SEVERAL TIME NO SUCH PERSON, PERSON XXXX ( THINKING THEY WOULD STOP ) THEY CONTINUE TO HARASS ME DAY AND NIGHT BREAKING COLLECTION LAWS AS WELL BY TIMES CALLED, THREATS, ETC
To Account Manager : XXXX XXXX. It has just come into our attention that attorney XXXX XXXX XXXX is Unauthorized to Practice Law ( UPL ) in Maryland and that XXXX XXXX XXXX has a Forfeited Existence since 2015. Also, XXXX without the XXXX does not exist in the Maryland Business Express Database.
XXXX / XXXX /  XXXX  , {$1200.00}, mailed certified debt verification letter to collection company, no response as of yet. Collection company is not licensed to collect in the state of Arizona.
Equifax was subjected to a cyber hack, and while this was not their fault, they waited over 90 days to report the breach to the consumers and all that were affected. During this time period, it 's unknown how many people were affected and credits destroyed by possible identity theft.
I got ripped off by CitiBank Credit Card Services. I scheduled a payment through their online services and the system did not process the payment. Since then XXXX broke loose and now they have ruined my decent credit and took me to a collection agency.