WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX my credit score was XXXX. I paid my student loans off decreasing my total debt by {$6000.00} +, and was notified by experian credit reporting on XXXX/XXXX/XXXX via email that my credit score had decreased by XXXX pts ( XXXX XXXX. Prior to then in XXXX I paid a large amount of my student loans off and my credit score increased XXXX XXXX XXXX. Once I received notice my score decreased I logged into their site to compare my previous summary of credit factors from XXXX/XXXX/XXXX back to the end of XXXX to XXXX/XXXX/XXXX and could not find any new factors. I contacted experian and was transferred many times, on the line approximately 47 minutes then hung up on. I called back only to be told I should hire a credit counselor. I was not sure why they were telling me to do that as I am a paying member of experian. After a lot of frustration I cancellelled my membership.
Due to a medical crisis, I used poor judgement and took out an online loan with 500FastCash.com on XXXX XXXX, 2012 in the amount of XXXX. This amount was deducted from my checking account and it was my understanding that this matter was resolved as this was XXXX years ago. XXXX weeks ago, I began receiving threatening phone calls from this company saying I owe them XXXX. I have since moved out of state thus closing my account. I requested a statement from this company and XXXX weeks later I received a statement by email showing ridiculous charges for XXXX years. Although my balance was paid in full, I am told that additional interest was incurred. Additionally, as I had closed my account and transferred to an out of state bank, this company has continued to attempt to deduct funds and when denied as account closed by XXXX Bank, I am being charged for each transmission that was rejected for the last XXXX years.
The debt under XXXX XXXX XXXX XXXX for XXXX was listed on my affidavit id theft under 2 accounts not irs on one with that balance. That is false info remove asap. I will report to the FTC because stuff that was removed is now being added al overt again Remove it asap
I sold my house in XXXX on XX/XX/2015. My former mortgage holder, HSBC, supplied a payoff letter to the title company which was good through XXXX. A check was sent from closing to, and cashed by, HSBC within the prescribed time. The amount was as they had requested in their payoff letter, and they released their lien on the house. XXXX XXXX XXXX XXXX months later, HSBC sent me a bill for the amount, and started calling me XXXX times a day saying I owed them {$3200.00} more. I sent the bill to the title company, and the XXXX XXXX said that HSBC was wrong and that she would take care of it. A few days later, she said she had spent hours on the phone with them, but got absolutely nowhere. She said they do n't even show that we sold the house. They show that I made a big payment in XX/XX/2015, but that 's it. 

At this point, a year and a half after the sale, I still get harassed by numerous daily calls. HSBC has no lien on the property, which is good, but they do n't seem to understand that fact. I just received a copy of a homeowners insurance policy which they purchased in my name for the property as well. I have spent hours on the phone with them myself, but ca n't get a single person to even acknowledge that the property was transferred to another owner. Everyone I talk to at HSBC says, if effect, " there, there, if you are having trouble paying your mortgage, there are programs that can help ..., etc. '' I can never actually get to a discussion of their error because they simply read off canned responses. It is completely pointless. I just wish they would sue me so that I can counterclaim and actually fight this.
I had opened an Amazon Store Card which is affiliated with Synchrony Banking. I had paid my balance in full, with a phone payment that went through, which did not reflect on my account until days later. I had thought it did not go through, so I did another payment of online-where I then put the wrong acct number. So the online payment never went through due to my mistake ( so no money was taken out ) but for the phone payment it did go through. My account then showed I double paid, before I knew the online payment adjusted. So I called and asked for a refund for one payment. When I received the refund, my credit account showed I never paid due to the online payment. So then I refunded the check, paid it back. It shows clearly on my bank statement when it was taken out. Now for about 6 months, Amazon sync banking keeps saying to send it statements. Every statement I have sent they keep saying we ca n't see it, it 's black, it 's reversed. ( I am having the bank send these + XXXX XXXX, so I would assume after the 5th statement they 'd see it ) after investigating, they KEEP saying my bank never returned the funds to me. I called my bank, asked them about this refund they talk about, they said I have made a payment and they have never returned anything. My bank has also sent a letterhead statement plus a letter saying the payment has gone through. STILL to this day, the company keeps telling me I 'm okay, while others say I owe back, and I am running in loops. I talk now only to the supervisors. My credit was at 720, now it is to a 570 score. This is ridiculous, I explained the situation multiple times and now they keep telling me I owe them as sync banking says they 're still investigating.
Regarding that doesn't mean that I am only person in this world goes to this places so that is nor accurate enough and it doesn't matter my account was closed so I am move my money back and any funds owe to me on open dispute I want. I am contacting further people bc my account closed based off of my complaint I know it Show quoted text No I am fine with that but this is not the last I will seek legal action because this is a country where millions of people go to the same place or can go to the same place. I am really glad you did it the way you did because I have my team already ready this company is a joke and several people file cases against you off the same thing you are doing to me but I will have my money put in more trusted bank. you send the letter after you close my account which make no sense but you was corresponding to me and the other money deposit. so you onkly close it make you look good and the war will be on. I have bank with this company over 6 years and haven't been risk factor in 6 years so this is XXXX. 
Show quoted text as long as my tax returns and my checks coming to this account wasn't no small money either so miss me with the risk factor the risk factor is you Show quoted text
I am a United States XXXX XXXX veteran who is facing a foreclosure sale date on my home on XX/XX/XXXX. I bought my house with a VA loan backed by the government and I know that there are programs and plans put in place to help homeowners in my situation ( lost my job ) but my lender Nationstar has not engaged in a fair negotiation and has not given me access to these programs. I have put myself into a better financial situation and have tried to get Nationstar to take another look at review for these programs but they are telling me it is too late and they are foreclosing on my home. I wanted to contact your agency to file a formal complaint. 

At the time of the purchase I had a good paying job working for the railroad, and moved into the home with my wife XXXX and our XXXX daughters. I had been moonlighting as a XXXX XXXX to supplement my income but was completely shocked when I lost my job and main source of income from the XXXX. I immediately ramped up the XXXX  business  and reached out to Nationstar to try and resolve this matter. After months of back and forth with paperwork, I was approved for a repayment plan with a monthly obligation of {$2700.00}. My original mortgage payment was approximately {$1300.00}, so this was more than double. In my situation I simply could not afford a double payment. I tried to apply again for a modification ( since I was not reviewed for that the first time ) and was told I was denied due to lack of income. This confused me -- how could I be approved for a repayment plan with a payment of {$2700.00} which would require substantial income and then be denied when applying for a modification which would hopefully put my payment closer to where it was before ( {$1300.00} ).  Obviously some type of error has been made on the Nationstar side. 

I have tried to resurrect my case with their agents but have run into brick walls and am now facing a foreclosure sale date. At this time my wife is working and I have slowly grown my XXXX XXXX business. I am also receiving a monthly VA retirement check and have a new job as well. Between all of these sources, we have the financial means to afford a fair and reasonable mortgage payment. However, Nationstar has refused to give me the opportunity for a new review.
i have previously dispute so many creditors on my credit report .... 

I would love for all of the fraudulent student loan reports to be moved. 

please contact me at XXXXXXXXXXXX to go over each one ...
Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
My student loans have been discharged by the Department of Education due to XXXX. I now no longer owe anything on these accounts. These accounts should read as closed with XXXX balance. Here are the account numbers : Navient, account # XXXX ; and XXXX accounts with Department of Education XXXX, all with account # XXXX. Trans Union refuses to make the adjustment.
I contacted Chase to find out how to make a final payment on my home equity line of credit ( HELOC ) loan to pay it off. I was given mis-information ( told I could only get the info and complete the transaction via US postal mail or by going to a physical branch location - which XXXX, MA does not have ), was placed on hold for extended periods of time, spent literally hours on the phone with Chase personnel over the course of 4 days. All I wanted to to do was pay off my loan. It seemed that none of the " front line '' people could provide accurate, reliable information about how to do this. It also seemed to be a process purposefully designed to be inconvenient and difficult with the intent to dissuade people from paying off their loan. It turned out, once I complained more forcefully and mentioned contacting the Consumer Financial Protection Bureau, I was transferred to a supervisor and told that they can take payment via telephone ( with electronic transfer - as I have been making on a monthly basis for the last 10 years ).
I have a loan with AMERICAN HONDA FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and AMERICAN HONDA FINANCE with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX.
Bank : XXXX XXXX XXXX XXXX XXXX : OCWEN ISSUE : ASSIGNMENT OF NOTE MADE AFTER BANK WENT BANKRUPT ( XXXX XXXX XXXX bankruptcy XX/XX/XXXX XXXX, assignment to XXXX XXXX being used to foreclose dated XX/XX/XXXX was signed by " attorney-in-fact '' for XXXX XXXX XXXX, who works for old bankrupt bank and newly assigned bank ( XXXX XXXX ) loan servicing company OCWEN, who has been fined XXXX by the federal government as has XXXX for fraud, yet we are still in foreclosure!!!!!!!!!!! 
Issue : We have been in foreclosure since XX/XX/XXXX. It is XX/XX/XXXX. Back then my husband had lost his XXXX figure job and then took a $ XXXX/Hr job, now he is back to nearly XXXX figures, but we are still fighting foreclosure! The bank is using ROBOSIGNED FALSIFIED DOCUMENTS IN A COURT FORECLOSURE STATE, ( CT ), BUT OUR ATTORNEY WOULD NOT ARGUE THAT BECAUSE JUDGES DO NOT LIKE TO USE " FRAUD '' BY BANKS TO " GIVE HOUSES AWAY ''. The mortgage originated with XXXX XXXX XXXX XXXX XXXX XXXX went bankrupt XXXX XXXX, XXXX. HOW WAS AN ASSIGNMENT OF OUR MORTGAGE SIGNED BY AN " ATTORNEY-IN-FACT '' for the XXXX XXXX XXXX Mortgage by an OCWEN employee and notarized by an Ocwen employee with initials of reported robosignors in XXXX XXXX? FACT : THE ASSIGNMENT OF OUR MORTGAGE TOOK PLACE TWO YEARS AFTER THE MORTGAGE COMPANY WENT BANKRUPT AND THE ASSIGNMENT WAS SIGNED ON BEHALF OF THE BANKRUPT BANK TWO YEARS POST BANKRUPTCY. There is a " lost note affidavit on file. They had to have some " PROOF '' they had the right to the house, so why not falsify the assignment to XXXX XXXX who is actually the trustee!!!! acting on behalf of XXXX XXXX XXXX XXXX, XXXX XXXX to whom the mortgage was transferred purportedly?????
There are three inquiries that are reporting on my TRANSUNION credit report that i did NOT apply for. I did not allow anyone to use my information. Someone is trying to obtain goods using my personal information. 


XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
XXXX, Experian, and XXXX  are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with Experian they confirmed that the XXXX for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to XXXX. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate information.
Chexsystems is reporting Account abuse on my report with them per XXXX XXXX XXXX XXXX XXXX. I have contacted both the bank and Chexsystems numerous times. They refuse to remove the information even though I have never had an account with XXXX nor have I ever abused an account. This is causing major issues opening a checking account anywhere.
Caliber Home Loans bought my mortgage XX/XX/XXXX. I had relocated and listed the home on XX/XX/XXXX in a short sale with XXXX. Caliber sent a deputy sheriff to my new apartment and served foreclosure papers to me XX/XX/XXXX. XXXX later, XX/XX/XXXX, XXXX and XXXX sent a letter to me cancelling the foreclosure hearing of XX/XX/XXXX. How do I find out what is going on? This worries me because no one will tell me why the hearing was even scheduled and now why XXXX has been cancelled. Property address is XXXX nc XXXX
Sychrony Bank acting for Sam 's Club MasterCard processed XXXX electronic bank payments for payment in full of charges. The XXXX month Sychrony Bank rejected the electronic bank payment and then charged me a late fee and interest. When I called their customer service number I was subjected to an interminable call tree designed to prevent contact with a human. When I finally reached a customer service representative and tried to explain the problem they claimed it could n't happen and that I should pay my bills on time. I finally escalated to a supervisor that was fairly rude and again claimed that they did n't have a problem. XXXX refused to contact their data processing unit and suggested I write their payments department. The supervisor finally gave me a credit for the late payment and interest charge " as a courtesy '' when I threatened to cancel the card and not pay those charges. For the next two months I made alternative payment arrangements. This month, with the assurance of my bank ( XXXX ) I again tried electronic bank payment. Again Sychrony rejected the payment. This time however I had scheduled the payment in plenty of time to avoid missing the due date. I again called the customer service number at Sychrony for Sams 's Club MasterCard to advise them of the problem I ran into the same problem as before. Denial that the problem could happen. I asked to speak to a supervisor that suggested I delete my payment information and enter it again in spite of the fact that they had processed XXXX payments successfully using the same information. It appears That Sychrony Bank either has a technical problem they refuse to admit or they are committing fraud by purposely rejecting electronic payments in order to collect late fees and interest.
countrywide mortgage took a pre existing home equity loan for XXXX dollars and without my consent or knowledge changed the loan balance to XXXX dollars in which I, ve been paying for since 2007. the loan was sold to bank of America and than to XXXX I, ve pursued this matter vigorously to where bank ok America has investigated this complaint thru it, s CEO president XXXX XXXX XXXX who informed me after a thourough investigation she had no other options but to refer this case to their fraude dept. I was told by XXXX that after 30 to 60 days that the fraude dept would be in contact with me, it, s been close to a year now with no contact, I, ve tried contacting XXXX since than with no success. I, ve filed a complaint by mail with CFPB with no success, I, ve attempted to employ the FBI to look into this obvious case of bank fraude with no response. bank of America has turned this case over to the fraude dept and I, am still paying as of this date for a fraudulent loan
I have provided documentation that I do not owe the balance outstanding that is impacting my credit score and I have not gotten a response and the account has not been corrected on my credit report.
Ocwen is using faulty information in the servicing of this mortgage loan. 

Ocwen has failed to deliver required foreclosure protections. 

I provided Ocwen with an Error on the mortgage loan. 

Ocwen has failed to properly respond to a Notice of Error and request for information. 

Ocwen has failed to properly acknowledge and investigate my complaint. 

I provided a rebuttal letter to Ocwen indicating the Notice of Error and Request for Information was not properly responded to by providing an answer.
My wife has an Old Navy Credit card, and her total purchase for FY 2015 were {$200.00}. After several months of paying the minimum to pay off the balance she received a statement that now alleges she owes XXXX. They will not send us an itemized statement showing how we reached this astronomical balance, nor will they explain it to us via phone. They immediately pressure my wife into a settlement discussion asking her to provide a date that she can pay 30 % of the balance and they will cover the rest.
I submitted a request to Navient to have my cosigner released from my private student loans was was denied because " I failed to meet the eligibility criteria for a cosigner release due to the following reason ( s ) : insufficient income//proportion of loan balances to loan amounts too high//amount owed on accounts is too high ''
I attempted to apply for a student loan from Sallie Mae last month on their website and got a denial. I assumed it was due to requiring a cosigner the information. The information was unclear as to actually why I was declined. I asked for a letter. I then attempted to apply with my wife online and also got denied. I was confused by this because I personally have cosigned for my wife as we are both in school at XXXX XXXX University. The second application should not have been an additional hit to my credit as I just applied and I was under the impression that any hit on my credit lasts for 30 days so I was shocked when the credit bureau alerted me about this. 

I tried to contact them several times about this and reached no conclusion as to why I was unable to acquire the loan. I then called in about the loan and I was told that the loan was denied but they did not know why but I was encouraged to do a new application over the phone. I finally took them up on that when I tried to do a cosigned loan with my father. I was then told that my loan was declined and that I or one of my cosigners had a loan in default. As both my wife and I are in school I was shocked about this. I went to all of my student loan providers Sallie Mae ( I cosign for my wife ) and Federal loans they stated that I had no loans in default and if I had any loans in default I would not have been able to receive the aid I currently have. They reiterated that I was eligible and perhaps I need to use another loan provider for my private loans. I am very leery about applying for another student loan until this matter is cleared up. 

I reviewed my credit report which also had no issues about student loan default, I always pay all of my bills on time including my house and car. Both my wife and I contacted both the national and student loan providers all having no issues with all my loans are in school deferred. Talking to the people over the phone they had a problem even finding my information or how to help me try to rectify this issue. 

This is the first time I have ever needed private student loans due to the loss of my gi bill veterans educational benefits expiring after 15 years. After trying everything I could as I a non-traditional student I have no one left to cosign for me even though I can cosign for my wife. I just do not understand this. The loan company Sallie Mae has now hit my credit XXXX times when I expected once. They have no way to evaluate what or why this is happening to me. I feel that there is something seriously wrong but I have nowhere left to turn.
Ive requested for you to provide me with an original contract along with several documents for the account you claim that I owe. Its been more than 60 days and I havent received any mail on the erroneous account you claim that I owe. This is my third attempt to reach you. I am sending this as an internal dispute and an affidavit. I have been a victim of the credit breach and the fraud. I have been living at this address for over a decade. The account listed under The XXXX XXXX XXXX. XXXX and XXXX removed the erroneous information on their ends and you continue to disobey the law. I am unaware of this account and I seek to claim fees of {$5000.00} for damages youve caused my credit file and erroneous information you continuously report. I am disputing the following account The XXXX XXXX XXXX and unauthorized inquiries 1. XXXX XXXX 2.  XXXX XXXX