WillisBack/dataset-financial-user-claim huggingface dataset:
I have not been able to afford my student loan payments from Navient due to unemployment and Navient has been harassing me by phone, calling me often eight times a day during the week, calling me several times during the weekends, and calling me after XXXX at night almost every night. My last straw was when they called me tonight at XXXX. 

I should not be harassed like this day in and day out from XXXX to almost XXXX at night because I am unable to afford the egregiously high student loan payments that Navient wants -- whether it's the full payment or interest-only payments -- while I am unemployed. I no longer have any remaining forbearance or deferment and need the CFPB 's help to stop this harassment.
I had a lease on a toyota XXXX and paid regularly until the lease was expired. I turned the car in. A few weeks later I received a bill for {$720.00} for over mileage. I paid the bill that day and did not hear another thing until last week when I received a notice from XXXX XXXX XXXX saying I had not paid the bill and failed to respond to previous requests. That was the first and only collection notice i received. After extensive investigation involving going to my bank, callint Toyota Financial Services, lexus Financial services, visiting both XXXX and XXXX dealerships, we finally figured out that I had, in fact, paid that bill but, since the lease had been terminated, there was no further account. Thus, the payment was applied to another lease on XXXX. But I was never told that nor was there any way for me to tell. Subsequently, I rolled that lease into another XXXX but was never told anything about the fact that the {$720.00} was applied to that down payment. 
So, after several days, many calls and visits and much aggravation, I called the credit bureau back and paid the {$720.00} again, but extracted a promise that I would receive a letter stating that my credit was cleared and the bill was paid. Instead, I received another collection notice from XXXX XXXX XXXX for {$720.00}. Of course, they are not open during non business hours and I have a day job.
I made contact with the creditor first on XX/XX/2018 to discuss my account. I was informed by the creditor that my account had been sent for collection with Southern Management Systems , Inc. I attempted to contact Southern Management Systems , Inc. to discuss my account. I was told the only way I would be able to discuss my account would be through my attorney, in writing or I could pay the account in full. The person I spoke with was very short with me. She would not listen when I tried to explain that I never had a conversation with anyone in that office indicating that I had an attorney. On XX/XX/2018, I requested in writing, a copy of any attempted correspondence with me, from their office informing me that my account had been placed for collection with that company. I asked for a response within 5 business days. When I did not get a response, I sent another letter acknowledging the debt and a pay-off schedule. I received a response from Southern Management Systems , Inc. on XX/XX/2018. In the letter the company stated that they were responding to my request to dispute and cease communication. None of this information is true, being the company never provided me the information that I requested. Since I was not provided with the information I requested, I have no idea when my account was placed for collection. The account has been reported to the credit bureau as a dispute. On XX/XX/2018, I sent the company another letter demanding that they correct the false information reported to the credit bureau or remove it.
I opened an account with Region Bank back in XXXX XXXX XXXX dollars was stolen out of my account between XX/XX/XXXX and XX/XX/XXXX. I reported the matter, I cooperated with the bank did everything they told me to do as far as filing a police report. The bank had decided not to refund me my money back. My money was stolen and I want my money back.
I noticed that my student loans was not XXXX balanced on my credit report and they should be. I am going to attach the form that shows I owe nothing on my loans. I need the information corrected with XXXX, XXXX, and XXXX.
I had ( have? ) a Home equity account with PNC. In XX/XX/XXXX they changed their accounting technology and my life for the worse. I tried to head off these problems by simply paying off loan in XX/XX/XXXX, but i can not get them to stop billing me due to their errors! to date I have 22 bills, pieces of correspondence, and documented phone calls, some with confirmation numbers and PNC seems to be a cancer I can't get rid of. 
XX/XX/XXXX notice of new technology XX/XX/XXXX Normal bill for interest {$200.00} promptly paid as always. 
XX/XX/XXXX Newly formatted bill arrives for {$310.00}. Unable to reach customer service for hours. Paid the bill. 
Afterwards-bill arrived for {$220.00} for same period of time XX/XX/XXXX Bill for {$230.00} XX/XX/XXXX Phone connection to XXXX XXXX. New system is causing errors. I decide to merely pay off my balance and give him my bank info.XXXX # XXXX. Tells me to send a letter closing my line of credit, which I do XXXX written confirmation of my letter. 
XXXX Bill for XXXX XXXX Phone XXXX says my balance is XXXX. XXXX XXXX gets involved.Gets escalated to XXXX XXXX who reviews previous transactions, discovered that they had not gotten the money from my bank due to a typo. We conference my bank and XXXX assures me we are all set now! XXXX # XXXX XX/XX/XXXX Bill for {$83.00} XX/XX/XXXX Notice in mail that a request to correct my account has been submitted XX/XX/XXXX Phone XXXX XXXX does not take my calls nor return my messages XX/XX/XXXX Reach XXXX XXXX who repeated assures me that I can not speak to anyone higher than him. He confers with XXXX XXXX to be brought up to date. 
XX/XX/XXXX Letter from PNC that my credit has been cancelled for non payments! 
XXXX Phone XXXX XXXX. Tells me he has corrected their {$88.00} error on my account. He doubts they have affected my Credit score. When I asked if I am now at XXXX, he found that I still show a {$19.00} balance but doesn't know why XX/XX/XXXX Phone XXXX XXXX say he got my {$19.00} balance waived XX/XX/XXXX Phone XXXX XXXX says my balance is finally XXXX! All is well and fixed, I will soon receive my paperwork that the account is paid off as of XX/XX/XXXX! 
XX/XX/XXXX Bill for {$84.00}. statement includes misapplication reversals for the principal payoffs. 
XX/XX/XXXX Left message for XXXX XXXX XX/XX/XXXX Bill for {$0.00} and a new balance of {$65.00}
XXXX is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by XXXX on my accounts that lingered old accounts way past its statute of limitations. XXXX is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with XXXX has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to XXXX many times but received nothing in return. XXXX needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.
I have a number of inquiries that I did n't authorize.. I have made a number of calls to Trans Union explaining I was a victim of Fraud and it has affected my credit and tax returns. Trans Union refuses to help. The following inquiries are XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I have been affected by the consumer data breach announced XXXX/XXXX/XXXX. I am extremely displeased that my information was and can be accessed without my consent to a credit reporting agency that I do not have the choice to conduct business with. I am a " customer '' of Equifax, whether I want to be or not. I am even more displeased with the amount of time it took to announce the breach to the public. Apparently, the breach took place between XXXX - XXXX of this year, but was not announced until yesterday, XXXX, and most importantly, various news outlets report that high-level executives sold their stock/shares between the time of the breach and the public announcement. This is a form of insider trading and has the potential to destroy the stability of the stock market. They should be punished up to the fullest extent of the law.
XXXX site said it is normally 20-35 % interest, but when loan documents arrived in mail, it stated 365.6258 % yearly. I was given {$3300.00} and so far I have paid {$3700.00} and they are demanding wage assignment to collets {$3700.00} in additional fees. Loan was made XXXX XXXX XXXX and is scheduled to complete XXXX XXXX, XXXX.
In XXXX I transferred my business and closed my utility account at my then business premises. I am now surprised to find that XXXX NY is reporting a past due balance for XX/XX/XXXX. this information is incorrect and its entry is causing harm to my credit.
XXXX XXXX rep signed me up for a cc without my authorization ... I have the letter from XXXX stating that this was reported to all the credit agencies ... This was also done with XXXX open an cc without my consent
XXXX with the NP Group XXXX called me about a online loan that he was trying to collect on. He had my social security number and the last XXXX of my checking with an address I lived at from late XXXX until XXXX XXXX. He said the original amount was XXXX but with the fees and interest it was at XXXX now. He said I could pay XXXX to satisfy this debt. I asked for the name of the company the debt came from. He told me XXXX XXXX XXXX. I asked him for their contact info at XXXX XXXX XXXX and he told me that he did not have that. I do n't believe this is a real debt and suspect it it is a scam.
XXXX was purchased for a new home purchase on XXXX/XXXX/XXXX form XXXX XXXX XXXX.On XXXX/XXXX/XXXX an inspection was conducted and I received notice on XXXX/XXXX/XXXX that the water heater needed to be replaced due to its age and location, as well as, a missing shut off valve in the guest bathroom.I contacted the customer service dept and explained that the water heater was inspected in XXXX and was in very good condition and the work being requested was significant and costly, and wasnt financially feesible at the time. I was told that the policy would not be cancelled, however, not renewed, if the work was n't completed by that time of renewal. This information was incorrect, I received notice that the work needed to be completed by XXXX/XXXX/XXXX. I then recieved a cancellation notice on XXXX/XXXX/XXXX stating that the policy was being cancelled on XXXX/XXXX/XXXX. Upon binding the policy with XXXX XXXX XXXX on XXXX/XXXX/XXXX, a home inspection report was sent to them for review and the information regarding both water heater and shut off valve was clearly indicated on it and they chose to bind the policy. As a result the coverage lapsed and I was not able to obtain coverage immediately, due to high cost of premiums from other carriers and lack of sufficient finances. On XXXX/XXXX/XXXX I was able to obtain a new policy, however, Pacific Union Financial which is the morgage lender sent a notice on XXXX/XXXX/XXXX that they woud be assessing a {$2700.00} forced insurance policy for the time period of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I called Pacific Union Financial on XXXX/XXXX/XXXX to obtain clarification and was told that unless I provide proof of insurance this amount woud be added to my mortgage. I explained to them that I was in disagreement with this because this lapse occured in the past and the home was currently insured. I asked for them to justify placing insurance on the home to cover the past and the nature of the risk being assumed for this period of time, which had already past. I was told that it was thier policy.
discover card refuse a payment agreement violated my privacy and did not close the account i did n't own discover card when i told them to close my account
I have made a numerous attempts in trying to get Elan Financial Services to validate this debt that they say I owe {$15000.00} On   XXXX   I mailed a certified letter  XXXX  and on  XX/XX/XXXX  and certified mail  XXXX  I mailed a certified letter  XXXX  to Elan Financial services and I confirmed that both were signed for. I requested that they validate this debt that they say I owe and in validating this debt I am requesting competent evidence bearing my signature showing that I have or ever had some contractual agreement to pay. And asking them to comply with the FDCPA if they can not validate the debt then they must delete it. Well they have yet to validate this debt. On  XX/XX/XXXX  I contact  XXXX  certified mail  XXXX  sending them proof that I have disputed this debt with Elan Financial Services but they refuse to validate the debt or delete it. On  XX/XX/XXXX  I got the confirmation of the dispute from  XXXX  #  XXXX  and I noticed that not only did they not delete this debt that they can not verify but they violated the FDCPA by not marking it as " disputed '' within 30 days as you will see on my the attached results. This violation is {$1000.00} in damages owed to me for this occurence
The credit agencies still have this account listed and per  XXXX  they requested it be removed. This has been listed and it needs to be removed
We are trying to get a satisfaction/release from a mortage institute from the time they were switching names. My court house shows that I still owe the company that the now mortage comany use to be under. It is still the same loan and the company says its one of the same of the 3 different names it was listed under. I tell them the court house needs a statisfactory from the old name showing that they are paid and We only owe to the company under the new name. They keep giving me the run around stating they ca n't do it and are getting no where.
I leased a XX/XX/XXXX XXXX XXXX back in XX/XX/XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XX/XX/XXXX. I appeared in court on XX/XX/XXXX for the Order on the Reaffirmation Agreement. The amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XX/XX/XXXX. The courts approved the Reaffirmation Agreement on XX/XX/XXXX. The XXXX XXXX was then turned in at the XXXX XXXX XXXX in XXXX XXXX, Nevada on XX/XX/XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. XXXX, XXXX, and CBClnnovis are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XX/XX/XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.
Identity theft fraudulent account XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX/XXXX XXXX XXXX Creditor also change its name to the XXXX  XXXX XXXX  Under open account on my credit report is XXXX XXXX account number XXXX Date open XX/XX/XXXX Amount XXXX Attached is a police report listing this account t total XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXXXXXX Under closed account on my credit report it's the same company different card it's a first access card I do not have account number for this account both account are listed on my police report I attached Identity theft XXXX XXXX XXXX   XXXX  XXXX /XXXX XXXX  Creditor change name to XXXX XXXX XXXX   Opened XX/XX/XXXX or opened XX/XX/XXXX Amount XXXX I did not apply for any applications or accounts with the company mentioned
I have suffered at the hands of this collection agency, and have already reported them to the CFPB for malicious prosecution. Please see complaint Case number : XXXX 

Today I received my XXXX credit profile only to find their derogatory tradeline displayed.
We moved. I notified all companies that I owed balances to that we were moving. A bill for {$57.00} was sent to collections and sent to all credit bureaus without my knowledge. As soon as I became aware that I had a balance ( which I was not made aware of before I moved ) I paid the balance in full. The payment was made XX/XX/XXXX. I have requested in excess of 25 times that the collection agency report to all credit bureaus that the account was paid in full. They have yet to do so. I have submitted documentation, including a copy from my bank of the check that cleared paying the balance in full, to all credit bureaus. I spoke to the collection agency again on XX/XX/XXXX asking for them to please report this account has been paid in full. For some reason they will not report this account having a XXXX balance. I need this handled asap.
XXXX ACCT # : XXXX RUSHMORE LOAN MGT SERVICES LLC I have been trying to close this acct for 4 months, receive the Lein, and have the HELOC reported as Paid in Full to the credit bureaus. The attempts have been made verbally, faxed in and submitted their Equity Line of Credit Change Form 3 Times having written 3rd Request in Red on the last form submitted. 

I called the company on XX/XX/XXXX and s/w a HELOC customer service rep and repeated the above scenario. I told the Rep that if the HELOC was not closed, I would report it to the CFPB. The Rep stated he s/w the Payoff Dept and I would received the cancelled Lein advising the closed HELOC within 3 - 5 Business days. As of yet, I have not received anything other then another letter requesting I once again, complete the Equity Line of Credit Change Request Form. 

Per the attached, you will see a Zero Balance and Credit of {$75.00}. The credit was to be applied against their {$74.00} Recording Fee. The funds were submitted to Rushmore via  Bank check ( XX/XX/XXXX ). 

I have never received such poor customer service and the run around in trying to get this reported as Paid in Full.
I opened my account on XXXX/XXXX/XXXX with an initial credit line of {$20000.00}. On XXXX/XXXX/XXXX, I was granted a CLI of {$2000.00}, bringing my total credit limit to {$22000.00}. I use my cards responsibility by not overcharging, paying the bill in full each month and keeping low balances -- this has given me a credit score in the XXXXs. Unfortunately, it seems that Capital One does not feel that customers using credit responsibility deserve high credit limits. 
On XXXX/XXXX/XXXX, Capital One sent me an email saying that my credit limit had been reduced to {$10000.00} because : * Current account ( s ) not used enough for assigned credit limit ( s ) * Balance ( s ) on non-Capital One revolving trade ( s ) are too low If Capital One wanted me to use their card more or have higher balances on other cards ( which makes no sense as that would mean giving other more business ), they could have told me so that I could make arrangements to " fulfill '' their wishes. All my other credit cards have limits of at least $ XXXX, but Capital One is the only one who thinks I deserve less. When I spoke to the a rep about the issue, I was told this was an automated decision and made no attempt to save my business when presented with my intention to cancel my card over their unilateral decision.
I have been denied twice for a loan modification from Shellpoint in the last 6 months. My initial request went in XXXX and I should have been considered for the HAMP program that was still active. I have sent them proof that I can afford my mortgage payment and have asked them to add the arrears to the balance and give me a fresh start through the MHA program and/or their in-house programs. In the first review, the income that was calculated was not accurate and we were denied for lack of income per a discussion with Shellpoint representative, and so we submitted the package again via an appeal to the first submittal in XXXX XXXX. The denial letter of XXXX/XXXX/XXXX also states that the investor on our loan, XXXX has not given Shellpoint authority to modify our loan under HAMP and that the XXXX did not approve a Standard Modification because of the results on the NPV evaluation. 
The appeal was sent in on XXXX/XXXX/XXXX with the supporting income documentation. Shellpoint on XXXX/XXXX/XXXX once again denied our request, now for a different reason that was given to us over the phone. We are waiting for the denial letter as we write this. The reason that was given to us over the phone was something having to do with our property having equity. It sounds to us that the servicer and possibly the investor are just wanting to foreclose my property because there is equity and they would be paid in full, leaving me and my family of XXXX without a home. 
We believe that Shellpoint and its investor can work something out for us and have not taken the necessary steps required by the law to consider all options for us. They keep coming up with a different excuse to not approve our loan modification. Please help us investigate this servicer and investor, we really can afford to keep our home and now are stable to do so. We just need a chance.
Wrote a billpay check for XXXX dollars. They are refusing to credit me expeditiously for a lost payment they didn't deliver.
I was sold a lemon. Battery keeps getting killed off. XXXX will not fix the issue claiming I do not drive the car enough. There is a more serious problem going on. This in addition to fuel system pressure issues caused by faulty design of gas flapper. Even carmax corporate is giving me XXXX and refuses to deal with the situation. Not to mention the car to loan value is XXXX. USED cars are being sold for more than they are worth, and multiple tv ads all seem to claim that this process is normal and that this is a average car price. BlueBook clearly indicates that this is fraud.Consumers are not made aware of blue book prices on these vehicles when making purchase.Additionally I am being consequented for being on XXXX and getting paid around the XXXX, not when they want to get paid.This is also common practice with XXXX and XXXX. Lender complains when they get paid after I do, and not before when funds are simply not available.
Creditor sued for judgment in XXXX ; account was settled in XXXX. Judgment remained on account until XXXX XXXX when Vacate Judgment was entered. However, Creditor then changed debt to collections, creating a double jeopardy for the debt. Once the judgment was vacated, the debt is no longer reportable. Creditor refuses to remove illegal reporting after multiple requests.
I was called by my cell and home phone about an hfc account that was charged off in XX/XX/XXXX. 
Statue of limitations ran out on XX/XX/XXXX. 
No payment agreement or payments of any kind by me have been made since XX/XX/XXXX. 
When I told this man this he began to threaten me and verbally say four letter words. 
And now they 're calling again on XX/XX/XXXX at XXXX XXXX?
XXXX XXXX XXXX  contacted me by phone last week about a debt that is nearly 20 years old, at which time I requested to be removed from their call list. They agreed, but contacted me via postal mail instead.