WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I attempted to obtain my annual free credit report using website XXXX. Although I was able to obtain my XXXX credit report Experian refused to provide report through this site without explanation. I reached out to XXXX  directly and requested an explantion and copy of said report to date XXXX  has refused to provide said credit report or reasons why the consumer can not obtain said report as mandated by law through XXXX
XXXX XXXX, XXXX attended XXXX University and was told that I did n't qualify for any gov't help even though my parents could not afford to send me to college. My grandparents signed me up for Sallie Mae private loans. I was XXXX and had NO idea what a loan was or what a private loan was or what was even going on. Fast forward, I am now XXXX with {$55000.00} in student loan debt. I have paid THOUSANDS AND THOUSANDS of dollars and my balance has stayed the same. Once I paid a lump sum of $ 10k!!!!!! How is this possible? HOW IS THIS LEGAL? I will NEVER be able to pay these loans off. EVER. It is robbery. And they will NOT lower my monthly payment, consolidate my loans or budge in any way. I can not stop paying because they 'll garnish my ( part time ) wages ( i 'm a mom ). HELP!!!!!!!! I 'm trapped because of a corrupt system. I have paid and paid and paid and paid ... ..and it does n't matter. I 'm wasting money ... .... it 's horrific.
To Experian,   XXXX   and   XXXX   I sent a certified letter asking ton only report my current information but my report is still showing inaccuracies! Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX ,  XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   XXXX       (   These are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should b e DELETED., This is my second request and first request was sent certified so I kno w it 's been received it just was n't done.
XXXX Treasury Closed Reported XXXX/XXXX/XXXX Lacks XXXX Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Diversified {$340.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Opened XXXX XXXX, XXXX North Amercn {$640.00} Opened XXXX XXXX, XXXX
In XXXX XXXX I went to XXXX XXXX at their XXXX campus and signed up for a computer programming course. XXXX assured me that I would be able to secure a better paying job and there was a job placement guarantee upon completion of their program. I was at the time a XXXX XXXX XXXX XXXX. I started to attend classes at the XXXX ' XXXX campus and over heard the instructor state that he was n't being paid and he wanted to leave. The XXXX campus soon was closed. Soon thereafter I was sent to several different campuses to take classes. I felt as if I had no choice because I had already paid the tuition. There were no tests, no quizzes, the quality of instructors was poor and some of the classes were shortened in duration. There were not enough hours provided. I was unable to graduate from any single institution. There was no central school administrative office responsible for issuing a transcript, certificate or diploma. I never received instructions as to where to apply for jobs or if my class time would be honored by any future employer because there was no one to verify my attendance at XXXX XXXX. My student loan was acquired by XXXX XXXX XXXX. I could not afford the payments and applied for a forbearance in XXXX. In XXXX XXXX I was sued in Civil Court by XXXX XXXX XXXX XXXX XXXX. That law suit is still pending and the materials that I attached to this complaint were provided to me as part of the discovery in that civil law suit I was neveer provided copies at the time of application. I was never able to obtain computer programming skills or secure employment as promised. I could n't even prove I attended any school whatsoever.
Initially I thought that the flex loan through Advanced Financial was exactly what I needed at the moment. After having always made my payments on time for well over a year. Last month they charged me twice causing me to default on XXXX other accounts as well as overdraw my bank account. I have paid the principal off multiple times over. This cost me a lot of problems and a lot of money. I have never made a late payment on anything. I spoke with them they said they could not refund the money but that they would defer the interest. They did not. I spoke with him several times and what they said was the corporate office. No one knew anything about it. Then they tried to take money from my bank and my credit card. Accounts that had been used for a one-time-only payments.
Select Portfolio Servicing has no Explanation as to How Or Why the {$1400.00} is reflected on credit report and Not on my account with them! 

Hi, So I am reporting of what I believe to be Unfair Lending Practices. Long story short, I am getting out of long nasty marriage, attempting to fix my credit after years of me trusting spouse on finances. Paid mortgage on time last 14 months, until spouse stopped paying support money in XXXX, SELECT PORTFOLIO SERVICING said they will modify my loan, I advised them I might refinance to do some repairs ... ..3 days later my credit took a 71 point Hit due to SELECT PORTFOLIO SERVICING raised my Balance amount {$1400.00} which took my mortgage balance from {$86000.00} to {$87.00}, XXXX in XXXX!!! This I believe was done to PREVENT ME FROM REFINANCING, instead I would be Forced to modify with SELECT PORTFOLIO SERVICING! My statements and all my account info at SELECT PORTFOLIO SERVICING, shows the original balance of {$86000.00}!! When I spoke to them they couldn't answer for the added, {$1400.00} reported to my credit report! 
I am requesting that this {$1400.00} be removed from my mortgage balance with the credit bureaus ASAP,, Can you please help or tell me what to do? I am working so hard to repair my credit and this is devastating!! 

Thanks so much for any assistance!
I have found that there are multiple abuses on the inquiry sections of my credit report knocking down my score from XXXX XXXX XXXX to XXXX! XXXX XXXX  went into my report on XX/XX/17 again on XX/XX/17, XXXX   XXXX XXXX XX/XX/17 again XX/XX/17. CBC Innovis XX/XX/17 again on XX/XX/17. This is abuse I think they are trying to keep me from buying a house in the area. I was told I don't have a credit score, which is a lie. CBC Innovis gave me three fico scores in XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX. I received these scores over the phone from CBC. I lost the house that I was interested in buying over this playing around with my score. I want my points back. This was a great disservice and even though I have a 40 year credit history through XXXX XXXX XXXX it doesn't appear on my report. So I started over again with XXXX and I have a XXXX XXXX Credit Card 4 months ago. My score was just updated to XXXX XXXX XXXX, XXXX  XXXX had this abuse not happened I would be well into the mid XXXX 's, since I have no derogatory marks against my credit or late payments.
On XXXX XXXX, 2016 I called my long-time internet /cable tv service provider, XXXX , to change my service. At no point during the conversation did they advise me that they would be conducting a 'Hard Inquiry ' to my credit status. 
In addition to receiving a negative strike on my credit report due to the unauthorized inquiry, I never received the level of service that I requested on XXXX XXXX, although XXXX has been charging me for that service since then. I just found out when my roommate finally complained to me that I was n't giving her what she was promised in our arrangement. 
My main concern at this point is removing the unauthorized hard inquiry to my credit. 
Additionally, I was advised that XXXX sent me the wrong cable boxes for the level of service I requested, and I 've been paying rent on these boxes in spite of not receiving the requested channels
XX/XX/XXXX I voluntarily returned a Ford Truck to the Dealership asI could not afford the {$830.00} payments. A third party collector tookthat case to court, without even properly serve me. I have been paying on this debt XX/XX/XXXX. Never missed a payment. I have been asking them to send me a statement as to how they are applying the funds every month. I am aware there is an annual fee of 10 % that they charge. So far I paid over and beyond the amount due. They are refusing to provide me any kind of statements as to how they applied those monthly funds all these years. As far as I am concerned, I either already paid this debt or close to it. But I need to have a schedule of payments and when would my last payment be. 
Please let me know what steps I should take. Thank you.
I purchased a XXXX XXXX for {$330.00} and XXXX PET Ugly Sweater with Candy Cane for {$7.00} and a 3 year Target warranty for {$45.00} and taxes of XXXX was the total..ordered on XXXX. Target delivered to XXXX XXXX????? XXXX in XXXX XXXX???????????? They ( Target ) made an error and shipped o the wrong person and address of a person and state i do not live in!!!!!!!!!!!!!!!!!!!!!!!!!! They will only refund me {$330.00} and are charging me the difference for their MISTAKE!!!!!!!!!!!!!!!!!! No refund for sweater, warranty and taxes!!!!!!!!!!!!!!! Target is a bunch of crooks and i will TELL all my friends to NEVER EVER use this place! I had to go to XXXX and buy the mixer and it arrived in XXXX says!!! and at the correct address i might add.
Late fall of 2016 I was finally working after being unemployed for over a year. During my unemployment I was constantly making efforts to pay my debt to Sallie Mae. I always made a payment even if it did not cover the entire amount. In XX/XX/XXXX/XX/XX/XXXX of XX/XX/2016 I was contacted by phone several times for payment. One time I was able to pay monthly payment in full and the next time I was not. I explained I was working two jobs and was willing to give a partial payment so as to not fall delinquent. The representative on the phone, who I have forgotten her name, stated she could not take any payment less than the full amount or if I wanted to avoid collections to pay a settlement price of XXXX. I was sure to tell her that I wanted to make some sort of payment and that in no way was I gong to be able to pay the XXXX settlement amount. She then stated " is there a family member, a friend or could you go to the bank and get a loan for the amount? '' to which I replied " if I had XXXX sitting in an account somewhere I would not be asking to make a partial payment. '' She continued to tell me she cant take any payment but the full amount of the settlement amount. I again responded with I can only offer partial payment. She then proceeds to tell me she will not be taking any payments except those two options. When I told her I couldn't do either. she informed me I would most likely go to collections and my credit would be ruined for a long time. I again stated I didn't want that to happen that was why I was offering something rather than nothing. She again refused and I ended the conversation. 

Fast forward a few months and I was contacted by XXXX XXXX. I immediately explained my situation and set up a payment plan, auto payment each month and I am in good standing currently. As of this morning I again reached out to Navient who told me there was nothing they could do for me to remove the credit rating issue off the report and there was no longer a settlement option available to me. I again asked to speak to a person who could possibly make a decision regarding removing the credit damaging status and XXXX the representative said there was nothing that could be done until the amount was paid off and it would continue to be reported to the credit beaurea until it was paid off. I again asked for settlement possibility and she informed me to call XXXX XXXX. 

I find this extremely frustrating and infuriating because I have been willing and able to make some sort of payment all along and refused that option. Then I try to make attempts and I get punished with only two options that were no realistic at the time. Currently I am up to date, never miss payments, and feel like Navient is impossible to work with. 

I don't know what you or anyone can do about this. I am recently married and trying to buy a home and because of Navients reporting I am not able to get pre-approval of any sort. Again I don't know what solution you can provide but all I want is to have the collections status removed from my credit report. I will continue to make my payments timely without issue.
I had set up an online bill pay through my American Express Serve account on Wed, XX/XX/2018 at XXXX XXXX  to pay XXXX XXXX XXXX in the amount of {$650.00}. The email i receive stated the payment should arrive in 24 business days. ( Transaction ID : XXXX ) On Wed, XX/XX/2018 at XXXX XXXX, I called customer service and requested to put a stop payment of the bill pay and have the fund return to my account. I was informed that the transaction was already processed and there will an investigation. I am not sure why the transaction was approved and the funds were transferred so quickly, but I have yet to receive the {$650.00} back into my account and it is very important that i receive those funds back as soon as possible.
convergent outsourcing just reintroduced a debt that had been investigated and removed from my credit report. they also reported this account as opened as of XXXX XXXX,2017 which is totally false and misrepresentation of a single true fact .dont know whos account and they are claiming to have received payments on this account then they need to go back and check form of payments and or authorized signatures .XXXX XXXX,2017 i was and still am in XXXX ga.THEY AND XXXX XXXX SHOULD BE INVESTIGATED AND NEED TO NOT BE ABLE TO JUST ADD THINGS TO A PERSONS CREDIT REPORT AT THEIR LEISURE THEIR AUTHORITY SHOULD BE REVOKED. THE BALANCE IS XXXX $ AND I HAVE NEVER RECEIVED NOT ONE INVOICE ACCOUNT NUMBER NOTHING CONCERNING A REVOLVING ACCT THAT PAYMENTS WERE MADE AND I KNOW ABSOLUTELY NOTHING ABOUT.
Automatic draft of XXXX submitted bank charged XXXX for returned item, then another XXXX for an over draft. Item retried under automatic and again another XXXX OVER {$400.00} worth of charges.
I am a long term customer with Navy Federal Credit Union. I am also ex military. This poses some issues because often military wives network hires and friends sometimes play with service-members accounts. my ACH drafts from my account keep being blocked internally from someone working at the bank intentionally so that my account will then owe funds to the bank for the payments not going through, so they can then INTENTIONALLY PULL FROM MY SAVINGS ACCOUNT FRAUDULENTLY. THIS HAS BEEN GOING ON FROM XX/XX/XXXX TO XX/XX/XXXX. MY BANK IS ANTICIPATING A DEPOSIT AND I TRYING TO STEAL OR PULL MONEY PREMATURELY FROM IN FRADULENTLY. I want my bank accounts to be serviced under fair practices that are non-discriminatory in nature. I have a checking and savings account with this bank. Corruption at the XXXX location is on a community level and should be monitored.
Wells Fargo is not a servicer on any loan related to us or our property and refuses to provide any information on why they are authorized to use our personal identifying information, credit information and financial information. We have no agreement with Wells Fargo. Wells Fargo has no agreement with any other party regarding any obligation or our real property. 
See our full complaint in the attached PDF.
Roundpoint Mortgage is showing negative payments and actually reported negative on XX/XX/XXXX, I filed Ch XXXX Bankruptcy in XX/XX/XXXX. This is against the law.
Husband XXXX XX/XX/XXXX ; notified Fifth Third Bank in XXXX, OH, and spoke with ( XXXX ) in the dept. handling XXXX issues ; my concern was about getting vehicle re-registered with DMV so my name would appear lien and Registration ; I was told to go to DMV because they were n't sure if they would allow it. I went to DMV and explained what I needed, and they gave me a " Transfer of Certificate of Title With Lien '' form for me to fax to the Lienholder/Representative ( Fifth Third Bank, Contact # XXXX ). I called back on XX/XX/XXXX, and spoke with an XXXX, but quickly got off phone because of her personality ; not someone I needed to speak, considering I 'd recently XXXX my XXXX XXXX. Called back to speak with ( XXXX ), who was very nice on my first contact with this Bank, but he was unavailable, so I spoke with a ( XXXX ) ; I asked could I fax the DMV form and XXXX Certificate to them, but was told I could, but they would not complete the form because I was not on the loan. My response was I know but I am maintaining payments, until loan is paid in full and only wish to be able to get the vehicle registered with DMV appropriately ; they would still have the Lien, and would still get their money. Loan has and is still in good standing. When I contacted them initially they had me believing that if the DMV is would accept such a transaction, it would be no problem. Their main concern was if I was going to keep the vehicle, and my response was yes, I would continue making the payments on time ; but now they want me to pay the loan off ; that 's easier said than done.l I 'm not rich, however, I 'm a retired, now XXXX, and will pay my husband 's loan. Look like their should be some type of provision for situations of this nature, especially when the XXXX is already going through so much mentally from the XXXX XXXX XXXX XXXX XXXX. I feel I should not have to be stressed with going and getting a new loan for my husband 's vehicle. I 'm not asking for a handout, just asking for help to keep paperwork with DMV straight.
We have applied and been turned down for Modification by the servicer of the loan, PNC for XXXX, due to what they claim is the servicer agreement does not allow modifications. Through much research I am finding this is probably not the case. The denial paperwork came back saying it was denying my hardship assistance request because " the assignee/mortgage owner or private mortgage insurance company on your loan has not provided an actionable decision on the proposed alternatives to foreclosure option for your loan. '' It says this multiple times, so the servicer, PNC, never received an answer to my application from the trustee, XXXX for XXXX. Mortgage asset-backed pass-through certificates, series XXXX. 
We had employment problems in the past and almost half of the time I was delinquent I was serving my country XXXX. I am looking for a resolution, a change in the terms of my loan so as to be able to continue raising my family in this home.
I defaulted on a XXXX XXXX credit card in 2013, and the government now garnishes two-thirds of my net military pay. I looked-up the law on wage garnishments, and they 're not suppose to take more than 25 %. I ca n't pay my rent, and I have been forced to apply for SNAP benefits ( food stamps ). When I call the military pay people ( XXXX ), they tell me they can take whatever money they want because it 's a federal debt.
There were 2 reports of non-payment submitted to Trans Union from XXXX, both submitted at same time ( same date ) in the amounts of {$170.00} & {$200.00}. I paid both amounts same time by sending check for {$370.00} to XXXX. OnXX/XX/XXXXthe {$170.00} debt report was removed from Trans Union but the {$200.00} debt remained as an open unpaid debt. I called both XXXX XXXX Trans Union several times & they both keep sending me back & forth blaming each other for the error of the report not getting removed. Please help me to get this {$200.00} debt from XXXX removed from Trans Union which will make a difference from my credit score being " good '' to " excellent ". Thank you for your help.
2016 - SPS stated XXXX was denied due to approximately XXXX dollars over the XXXX XXXX that was approved. 

I filed a complaint with CFPB. Thereafter SPS agreed to except the tender over the XXXX directly from me. 
SPS encourage me to re-apply with XXXX - I was approved a second time - SPS denied the tender again due as the reinstatement amount was over - SPS stated once XXXX funds are received I would have 7 days to tender the difference - I am and was prepared. 
SPS after a long conversation apologized for the error and stated to re-apply as your file will be flagged this time to avoid errors XXXX re-vampped application as the prior approval was less than 30 days old. 
XXXX approved within a week. 
SPS then stated I was misinformed and SPS would need to receive the funds as a whole. 
SPS on a XXXX way ( SPS/Myself ) recorded conference with a third party to confirm the instructions once XXXX release tender of XXXX SPS denies this ever happened and refuse to put XXXX representatives on the phone As the note holder in due course requesting- SPS a third party collection company - to establish relationship with master servicer Provide - actual INVOICE, who is the lender, who is the investor, a statement with a balance due, reinstatement information, payoff demand, a complete break down of all cost of postage including fed ex, XXXX and USPS XXXX Real Estate Review on property. Under the Freedom Of Information Act the information is not proprietary. 
A credit letter was sent to SPS to confirm tender of difference with more than enough funds in the account. 
SPS is denying tender to bring my account current.
I filed complaint XXXX against XXXX XXXX XXXXXXXX attorney of fact XXXX XXXX XXXX, VP YOU ANSWER : THIS DON'T BELONG TO US. ARE INCOMPLETE, YOU SIGNATURE FROM YOUR COMPANY NAME AND VP ARE ATTACHED TO TWO PURCHASE AGREEMENTS DATED XX/XX/2009 FOR XXXX XXXX AT XXXX XXXX XXXX XXXX, MI XXXX, ONE WITH HUD AND ONE WITH XXXX  XXXX. FOR XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WERE YOU INVOLVED WITH THESE TRANSACTIONS?