WillisBack/dataset-financial-user-claim huggingface dataset:
I received a private student loan from Deutsche Bank through the Affiliated Loan Program at XXXX University in XX/XX/XXXX. The loan was serviced through XXXX. Due to missed payments, the loan was sent to a collection agency called XXXX. After months of making payments to the collection agency, I was finally able to pay off the account in full in XX/XX/XXXX. I have documentation from the collection agency that the account has a XXXX balance. I was under the assumption that this information would be relayed to the original loan servicer ( XXXX ) and subsequently the original lender ( Deutsche Bank ). Upon receiving an updated copy of my XXXX credit report, the account in question is still displaying a balance of {$1100.00} and is displaying XXXX missed payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have worked extremely hard and have had to make some difficult decisions to get this student loan debt behind me and noting I do seems to be working. There has obviously been a major lapse in communication between the three parties listed above. All I want is to do is get my credit in order. Please help.
Someone needs to something to assist me because I know for a fact that these accounts were not legally verified and no one is helping me. It 's incredible that these people care more about money than they do about making sure that they do their job! How many times do they have to be sued and now many times do consumers have to complain about this type of abuse before someone actually does something to enforce the law?! Congress states that when I notify them that there 's an error, they must conduct an investigation. When they " verify '' it and provide no proof, they must reinvestigate and go beyond the original source of info ( the creditor ) to ensure that it 's reporting accurately. That means they MUST conduct an independent investigation. They are required to have the paperwork that substantiates these accounts. Section 609 protects me against false reporting by the bureaus and they must produce the paperwork that was signed by me when the account ( s ) was opened. Congress states in CUSHMAN v TRANSUNION 1997, that the burden of proof is on them and not me ( see lawsuit attached ). 

Where 's their proof? Where 's the proof that they did n't just parrot the creditors? This is absolute negligence. 

Here 's what was on my dispute letter ( see attached ) : I do n't know why the government allows you to keep this stuff on my credit report without providing an actual investigation and providing the actual documentation that belongs to these accounts. You can not, by law, just report whatever you 're given! You are not allowed to state that these have been verified without providing the proof that substantiates your claim. You did not, at any time, legally verify these accounts as required under the FCRA. Where 's your proof that you ever did an investigation? What procedures were used? How is it that I did n't receive any response whatsoever from these companies and yet, miraculously they respond to you each time! How can that be when I 've called to find out and they 've told me that you have n't contacted them at all? That means that these were never verified at all. The ONLY proof that you can produce would be the paperwork with my signature. Other than that, they have not been verified. In addition, I already told you that I was n't XXXX XXXX late and you did n't send me anything at all to substantiate anything. If you do n't have the physical proof - which can only be this company 's bank statement proving when my payments were accepted into their account - then you 're just parroting what they 're telling you and that 's not allowed by law! Considering that you 've done nothing to ensure that these are reporting accurate, you are must immediately DELETE these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I will NOT accept a response saying that they did an " investigation '' and that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a match. That is not legal proof and my info being on a screen in front of someone does not meet the requirements of the FCRA
XXXX XXXX XXXX Equifax and XXXX are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance
Experian states they have verified information that is incorrect. I have called them and am told that all they do is electronically send messages to the creditors who pay to put the negative information on their site and they check yes or no for the verification. This is not validating a debt or address, etc.! There are items that the other bureaus removed that Experian refused to remove!
In  XXXX   2017, I received a debt collection letter from State Collection Service , Inc., for {$8.00}. I immediately called the debt co llector and asked what this amount was for. Customer rep said if I owned a  XXXX   XXXX . I said no. She then said Okay, sorry to bother you.     In  XXXX     2017, I rece ived another debt collection letter from the same company but this time saying I owe {$93.00}. I immediately sent them a Debt dispute letter requesting they provide proof it is my debt by sending me signed contract agreement, detailed and explanation of how they came about this amount.     On  XXXX   XXXX  , 2017, the y respnded to my letter and failed to provide me the information I requested to validate the debt. It still does not show how they came about this amount and any signed contract that I agreed to pay this amount. And now they are claiming I owe {$110.00}.     This company is fraudulently trying to collect money from me. They keep changing the debt amount and failed to provide proof it is my debt.
I have 2 bank of america credit its closed but the reason is CONSUMER XXXX.i was pay off and no balance.
XXXX XXXX DECREASE CREDIT LIMIT BY {$300.00} AFTER REVIEWING INFORMATION FROM EQUIFAX. THE REASON FOR THE DECREASE INCLUDE THE FOLLOWING LISTED *NO USABLE REAL ESTATE ACCOUNTS ( I DONT HAVE TO HAVE A HOME LOAN FOR A CREDIT CARD ).

*NO BANKCARD ACCOUNTS WITH A VALID CREDIT AMOUNT ( THERE IS A BANKCARD ON FILE WITH A VALID CREDIT AMOUNT ) THE FOLLOWING LISTED SEEM TO BE A DISCRIMINATION AGAINST ME. I HAVE ALWAYS PAID ACCOUNT ON TIME, THERE ARE NO LATES LISTED ON ACCOUNT. I REQUEST TO HAVE THE ORIGINAL LIMIT BACK TO {$500.00}
XXXX XXXX is charging 279.50 % Interest on my loan and over 80 % of my payments are going to with is called " CustomaryFee '' instead of interest or principle. For example, XXXX XXXX took {$270.00} out of my last biweekly paycheck and {$210.00} was charged as " CustomaryFee ''. This seems to be predatory and with such a high interest rate, I will never be able to pay this loan off. It is a trap.
Syncrhony bank payment history of false penalty of 30 day late notice : 1 ) Paid {$30.00} dollar payment on XXXX/XXXX/15 2 ) Late fees charged on XXXX/XXXX/15 equals {$35.00} 3 ) Interest charged on XXXX/XXXX/15 equals {$2.00} 4 ) Payment due on XXXX/XXXX/15 equals {$44.00} 5 ) Paid full balance on XXXX/XXXX/15 of {$140.00} Synchrony on XXXX/XXXX/15 put a negative 30 day non-payment on my XXXX credit report. Total time between XXXX/XXXX/15 and XXXX/XXXX/15 equals 12 days, not exceeding the 30 days late period. 

I see many negative reports regarding the business practice of this company in regards to customer service and billing. I 've held a XXXX plus credit score for many years only to have this company drop me by XXXX points due to their unethical business
Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX XXXX in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.
I purchase a home for {$560000.00}, I hired a law firm to assist with a loan modificaftion, I entered into the contract and paid {$1200.00}, to start and XXXX a month for almost two years. T servicer is illegally selling my home, Specialized Loan Servicing, paid the law firm {$2800.00}, to turn the paperwork and over the account to them. and SLS set a sales date of XX/XX/2017 and mailed a letter to me, on XX/XX/2017, stating they could n't reveiw the file for a modification, becuase it was less than 30 day to the sale. I have been paying the law for for 2 years. SLS is also not the creditor, but a accounting service for the lender and ca n't force a sal of a property, if they are n't the owner of the debt and/or interset in the property. 
Both SLS and The law firm, comspired together to undermind my interest in the property and to steal, the property from under my ownweship. Racketeering and Fraud, Theft, etc. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. Specialized Loan Servicing XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX,
I had taken several private student loans out from smaller banks that have since dissolved. XXXX XXXX took them over and now Navient has them. My interest rate has fluctuated and my payments made are not refelcted correctly. I still am paying XXXX private loans for a total balance of {$76000.00} owed, which is mostly interest they are charging me. These loans orginated in 2001 and they changed my interest from 4 % to up to 14.25 % without my knowledge. When I call to question why my minimum payments were so much higher they said I have to pay and pretty much hang up in my face. I decided to stop paying them and after XXXX months of being delinquent they finally agreed lowered my interest to 4 %. They are making it impossible for me to pay the principle off because everything is interest owed and I feel it 's armed robbery.
these people keep calling every day -- have a XXXX XXXX so not able to XXXX but XXXX the phone numbers they use from multiple states and they never use relay to call -- - the XXXX searches for phone numbers say rpm and receivables performance management from others complaining who they are so think this is their debt scam coming back for more tries at debt they completely made up and was disputed many times and each time they would just change who supposedly owe and try again and again and again and this fraud collection has a history of making things up and harassing people to pay debts they faked and will not leave me alone
Upon review of my credit report with Experian, I noticed ( for the very first time ) that a fraudulent and unauthorized collection account is reported by a collection agency by the name XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX or No Phone number available ). This entry list an entity name XXXX XXXX XXXX XXXX ). I Did NOT avail any product and/or services of either of these companies. I never ever received any bills and/or services from any of these companies. I have disputed this matter with Experian already but this fraudulent and unauthorized collection account still remains in my credit report. I sent ( multiple times ) debt validation letter to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) but never received any reply from them. THIS IS NOT MY ACCOUNT. This account must be immediately removed from my credit report
Response to your 3rd Party Collector Letter of Threat by Mail. 
The indictable offense of using the mails for the transmission of threatening matter. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX XXXX XXXXDear 3rd Party Collector, As I have NO Contract with you, you have threatened me by mail and if you proceed any further I will see you in court under charges of Mail Frauds and Threats. As of today I have presented a Credit Set-off Settlement to the " XXXX '' for the full billing amount, along with an IRS XXXX in full compliance with the XXXX Laws XX/XX/XXXX. They have 3 days to comply. 
If they should decide not to settle this matter I shall see them ; not you in court. For the fore mentioned charge of Mail Frauds. 
Thank you for your timeHonorably, XXXX XXXX XXXX
Have 6 transaction in one day, but only enough funds to cover 5 transaction, But chase charge me 3 overdraft fees ( which the agent told me was the max they can charge for the day ). They said they processed the largest transaction first, but the largest transaction will not cover the funds available.
I have had a USAA Master card since 1988. This account has always been in good standing. Recently USAA switched to Visa without my permission or consent. I called USAA to tell them I do not want the Visa and to cancel it. They stalled, put me on hold, switched me to a supervisor who told me if I cancel the card it will hurt my credit score, in essence a coercion tactic. This can not be legal or ethical.
threaten to put lien on property assets and garnish wages harassment XXXX times daily threats made daily calling other people
I applied to refinance the vehicle loan from wife to husband 's name on in XX/XX/2017. After speaking to XXXX from the application department/customer service, the loan was declined and cancelled over the phone due to XXXX does not provide 3rd party transfer vehicle loan. I need to transfer the title of the vehicle with the refinance as soon as possible due to divorce and finally complete the process by applying the loan with XXXX XXXX. 
Although the loan was declined and cancelled by XXXX, XXXX Account department sent out the payoff check to XXXX XXXX  on XX/XX/2017 which has wrongly payoff XXXX XXXX  loan and activated a loan account at XXXX XXXX  for a loan that I was told to be denied. 
Again, the loan is supposed to be cancelled as stated by the XXXX representative and I have successfully obtained a loan from XXXX XXXX. When XXXX XXXX sent payoff check to XXXX XXXX  to pay off the original XXXX XXXX Auto loan for the XXXX  XXXX. XXXX XXXX  returned the check from XXXX due to XXXX payment and sent title to XXXX. It created a huge issue with my vehicle title which did not allow me to renew my registration although it was past due and all the interest and late fee from XXXX. After all the phone calls and mails negotiation over 1 year with the help of our attorney, XXXX successfully submitted payment to Nationwide but the payoff amount from XXXX was different from the original loan amount or the payoff amount sent from XXXX at Customer Service Department for {$42000.00}. 
The credit history reported by XXXX on my credit report is incorrect! It shows that I have an account with XXXX bank that is closed by pay status as Collection/Chargeoff. There should not be any collection/chargeoff since the loan was originally cancelled by XXXX at XXXX and there should have no payoff to be sent from XXXX. I have never made payment to XXXX as the fact that I do not have a loan with XXXX. Now that my credit is all ruined because of XXXX mistake and this has to be removed from my credit report ASAP! 
XXXX is the worst bank with the worst customer service that I have ever experienced! I took my over 1 year and the issue is still not resolved. Every time I call to get this auto loan issue to be followed up, there is no response and no ownership for the mistake this bank made. All I received from XXXX is collection call and collection mail. 
I demand the XXXX bank reporting error on my credit report to be removed and the issue of this wrongful payoff has to be resolved immediately.
defamation of character. 
ftc violation XXXX took of a loan and put it back on the XXXX lease also equifax has done nothing to try to help
In XX/XX/XXXX I filled out the Fedlaon application for loan forgiveness since I had been paying loans for over 10 years and worked for a non profit hospital. I received a letter saying that they were waiting to receive information from all my lenders. On XX/XX/XXXX I logged into their online account. On XX/XX/XXXX I inquired about the why I was now paying them and not my previous lender. On XX/XX/XXXX I again inquired about the missing second loan. The beginning of XX/XX/XXXX I called Fedloan because the monthly payments were different than what I had been paying. 
I told them that I was concerned my balloon payment the last two years was going to be over {$500.00}. They did not care. I asked them if I could set up an automatic withdrawal with another amount and they said they could not do this. At the same time I also realized while on the phone that I was truly not eligible for loan forgiveness. 

Had I know I would not qualify I would have left my loan with the other lender. Nowhere did it say that the loan would be turned over even if I did not qualify. I was under the impression that they would keep track of my loan status and let me know if I became eligible. 

My loan is now going to take a couple of months longer to get paid.
I have been trying to stop the company called XXXX XXXX from billing my credit card XXXX since XXXX.2015. I have had to dispute this charge every month for years now. I can not take it any longer. The credit card company blocks them and they use a different merchant number and start again.
I was asked to get a loan for XXXX school that I was attending since I couldnt get assistance from the school since my parents made too much money. I went to citi bank and applied for a loan and they mentioned that me and my mother did not qualify so we went on and I had to drop out because I could n't get any help. two years later I got a bill from the bank saying that I owed them money and I had no idea that I was even approved so I got to talk to the bank and mentioned that they sent the money to the school and I was not informed about the situation now the debt is XXXX and I do n't know what to do I also tried to contact the school and left voice mails and no response back.
Re : Care Credit. I had gone to a medical spa for XXXX treatments  ; I was told that I would be given a discount - 4 treatments and during my 2nd visit the 5th treatment would be free. The 1st treatment was a  nightmare - painful. After 3 days ( the time limit in Oregon to cancel such services from a spa ) I emailed to ( 1 ) cancel 2nd appointment and ( 2 ) voice my concerns. No response ; no response for 3 days. I finally called and verbally cancelled. The next day I got many texts from the anesthetician demanding that I be seen and following treatment at their spa. I was concerned that it would be considered the '2nd treatment ' and I would be charged. I have since seen another medical spa -- treatments are not painful ; a full {$600.00} less than the first spa. 
Synchrony Bank has 'investigated ' and is backing up their merchant, saying there is nothing they can do but I AM BEING CHARGED FOR SERVICES THAT I LAWFULLY CANCELLED AND HAVE NOT RECEIVED. I feel that the merchant and the Bank has being unjustly enriched.
I filed for bankruptcy and it was reported XX/XX/2009. I thought negative items stay on the report for 7 years. This is not being reported by the other agencies. I am requesting that this be removed from my credit report.
Recently, I filed a Reg E claim with my institution.There were several attempts to utilize my card at internet sites and on from XXXX XXXX has posted to my account, the others were rejected. Since filing this claim I have followed all steps directed from TD Bank. I have filed a police report with my local police department ( City of XXXX Police Department case # XXXX ), only to be told that I must file a police report with another police department where items were sent utilizing my card information. 
The branch has told me there is no way for them to contact the fraud department to share information I have received about the fraudulent purchase. The items were sent to XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I am inclined to believe this fraud happened after my card information was compromised at a dealership after a legit transaction. I recently placed a hold on a vehicle at XXXX of XXXX which is only 20 min from the delivery address of the fraudulently purchased items. Additionally, the customer service department now tells me that it is my responsibility to seek a refund from XXXX XXXX and that I may have to wait for the bank to file a claim with XXXX. I have not even been given provisional credit and it seems that the bank is somehow not processing this Reg E claim as I suspected. I did not make these purchases, I have provided all pertinent information that has been requested and I feel like I am being given incorrect or additional steps that I am not sure is required of me. I really want the Bank to fully investigate and catch these thieves but I also would like for them to provide provisional credit during their investigation. I am willing to help the best way I can but it seems that some of the request are a little convoluted and actually are in sense beyond my control.
the bankof america has not behaved fairly with an fha loan they can do a modification they say they are there to help but never do anything, I dont know where to go for more help since I am single and no man around I feel they have walked all over me
Talx corporation, a division of Equifax corporation is a Consumer Reporting Agency as defined by FCRA. Check of my employment records on XXXX/XXXX/2015 indicated that Name and DOB of my dependents are also showing up in my report ( Ref case number XXXX ). There is no purpose for these to be reported on my employment and creates a risk for ID theft. I submitted a request for it to be removed but that has not been agreed to.
i never had any such account with XXXX XXXX and when i was notified i called to let them pick up water items dropped at my door ... please close this account as fraud
TransUnion has been notified numerous times that they are allowing the listing of XXXX trade lines that are past the legal 7 year reporting time as allowed under the Fair Credit Reporting Act. They are : XXXX, account number XXXX AND XXXX, account number XXXX. TransUnion continues to ignore my disputes. These accounts have been removed by XXXX and XXXX but remain on TransUnion. 
Please stop TransUnion from continuing their illegal & abusive behavior against me.
I 'm getting calls from a company claiming to be " Miller and Associates, '' phone number XXXX. Most of the time they call and hang up or I call and they hang up. They call saying I owe about {$4000.00} from a bank account with XXXX bank opened in 2011, and when I tell them that I have no idea what this is about they begin saying that I can deal with it in court. I have received no letters in regards to this debt, it 's not even on my credit report. I 've asked them numerous times to send me a letter with information about this and they say that I 'll just have to appear in court. I spoke with a " XXXX XXXX '' and she said that I was trying to defraud a bank, that I need to just " pay my bills '' and " good luck keeping my job. '' She even asked me to give her my employer 's name and phone number so she could talk to my boss, which I do n't understand why that has anything to do with anything.
I was unemployed for 4 months when I called up XXXX XXXX about my current situation in spring of 2016. I asked if there was a way to reduce the payments, refinance, or what options they had. They basically told me there was n't any program setup to help customers in financial distress. I did n't want it to negatively impact my credit score and asked if I could voluntarily give the car back to the bank but they said they do n't offer that option as well. I ended up borrowing money from friends and family to pay for the loan until I could n't afford it anymore.