WillisBack/dataset-financial-user-claim huggingface dataset:
FIRST ISSUE : My student loans were serviced by XXXX XXXX. I noticed duplicate charges for all of my loans and requested an audit. XXXX XXXX stated they were working on the audit and would get back to me. I was then informed that my loans were being sold, and I would have to contact the Department of Education. I tried to resolve the issue with the Department of Education to no avail. My loans ballooned from {$190000.00} to a WHOPPING {$310000.00} with Fedloan!!!!!! I have requested an audit of my student loans, but it is falling on death ears. 

SECOND ISSUE : I have been unemployed, so I applied for the Income Driven payment plan, and recently re-certified my application 3 months ( XX/XX/XXXX ) prior to the payment due date ( XXXX ). I am currently working a temporary job with an agency as of XXXX 2016, and sent all of my income information to FedLoan for processing. After calling for several weeks to find out what my payment would be, in XXXX I was sent a denial letter that I was not eligible for the Income Driven Plan. After several phone calls, it was determined the paperwork was not reviewed correctly, and my application would be expedited ( 3-5 ) to correct the problem. In the meantime, FedLoan Servicing sends me a bill for {$3500.00} due immediately. I contacted FedLoan again, and was told an Administrative Forbearance would be applied to my account to halt all billing/payment requests until my account could be sorted out. XXXX I received another bill, now requiring 2 payments!!! One for the now delinquent amount of {$3500.00}, and another payment due XXXX XXXX for {$140.00}. I called back to find out what was going on. FedLoan stated that my account was delinquent by 33 days for {$3500.00}, and would be delinquent for {$140.00} if the payment was not made on time. FedLoan made an error in processing my paperwork, created a delinquency on my account refusing to correct the issue, and demanded the only way to resolve the issue was to have the {$3500.00} covered by a forbearance adding additional interest and fees to my account. I need help!!!!
Was mixing up the date the. Loan was take. OutHung up on me many timesRefused to sent me a written notification of collection or bill until I gave personal banking info for payment. Debit was over 5 years old. Never on my credit he said it went to XXXX different collection accounts
I had a school loan that I payed on time for 60 months, then the loan had a balloon payment due. The loan was with BB & T bank, when I explained to the management of the bank and several agents who called my home that I was in the middle of a refinance of my home which was also going to include paying off my school loan of XXXX dollars, they agreed to give me a grace period. Only now to find out after I went ahead and payed the loan off with funds that I had secured the loan with originally, they have sent in a derogatory remark saying I was late with the last payment and it has affected my credit score terribly. They also refuse to remove it, even after being told I would be fine going ahead with my refi, and that they would give a grace period because the loan was secured. I have done business with this bank for 14 years and have never been delinquent with any payments and I even presently hold a mortgage with them. I would ask you to please tell them to remove this remove that is effecting my credit score.
My mortgage was sold from XXXX XXXX XXXX XXXX Carrington Mortgage Services LLC XXXX 2015. I have been informed that I have no control over which company buy and sell my loan which I find disturbing. Carrington Mortgage Services LLC has the worst consumer services. I stayed on the phone tonight at least 30 minutes waiting to speak to a consumer service rep. regarding notice from Carrington informing me of additional random fees that can be assessed to my account. I requested a copy of the my initial loan regarding additional fees. But I feel it 's unfair that my loan has been sold to a debt collector when I am in good standing with my loan. I feel that these so called fees are ways for Carrington Mortgage Services LLC make profits off consumers and that 's not fair. Carrington is already getting the interest.
On XXXX XXXX, 2017 I have received an alert from XXXX  that there were some changes from XXXX. There was a Debt collection from XXXX XXXX  XXXX XXXX ( sold to XXXX/XXXX ) for {$330.00}. My credit score went 60 points down. That collection is n't mine, I did n't purchase anything in there nor got any services in there. I live in Oklahoma. I immediately contacted XXXX and that collection agency about that issue. Collection agency refused to provide any evidence of that dept ( that it belongs to me ).
I am contesting the amount owed on our home loan. in XXXX XXXX we had our loan with XXXX. They offered us a modification on the loan to which we accepted. Signed the documents had them notarized and sent back. We began making the modified payments and thought everything was ok. However 5 months later we received a letter from XXXX stating that they denied our modification due to lack of notary seal. They sent back the original document to prove it was n't done. However the document was notarized and signed by the notary before it was sent back to them when the paperwork was due. It was not an ink stamp and was a raised seal. They then had us start all over in the process and refused to enact the already given modification. This went on for years. in XXXX of XXXX we received an intent to foreclose from XXXX and filed for chapter XXXX bankruptcy.They filed a claim stating the amount per month was {$750.00} and the arrears on the loan was $ {$25000.00}. The payments made into the loan during that time never showed either the arrear payments nor the actual monthly payment of {$750.00}. The payments were always a lot larger and the balance never came down. Payments during this tine and before the bankruptcy were credited then removed years later with no reason as to why and no notification that they were removing the payments. For example : The payment made on XXXX/XXXX/XXXX was reversed on XXXX/XXXX/XXXX never credited back and was reversed for a second time on XXXX/XXXX/XXXX. The original payment for the XXXX/XXXX/XXXX payment was n't credited to the account until XXXX. This has shown up on the ledger more than once. No checks bounced no payments returned to us and the balance kept going up up and away. The loan has been transferred twice now since it was with XXXX and we have been attempting to make heads or tails of it since then. When told by our current servicer ( Caliber home loans ) that they didnt have any information on the loan we needed to contact the original servicer we thought something just wasnt right as all of that information should have been sent when the loan was transferred. Caliber had misinformation on the loan as well. They stated the that loan was an adjustable rate mortgage when it is n't. We signed for a fixed rate mortgage. This has been a disaster that is now ending again in foreclosure when it should n't as we are in the beginning stages of a modification with our current servicer.
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry.

Very Respectfully, XXXX XXXX
Fraudulent applications at Citibank in my name and soc sec #, including a fraudulent address, have not been cleared by Citi at XXXX or at XXXX I submitted an FTC Identity Theft report on this XX/XX/XXXX, no action resulted, and resubmitted to Citibank on XX/XX/XXXX ; Citibank would only delete an entry they say was XX/XX/XXXX but not one they say was XX/XX/XXXX. I can not reach anyone at Citi who will address this issue as it involves a checking account? - I do not know and was never notifed by them of this at any time. Citi is not communicating with me in any way and I can not reach anyone there by phone who can assist. I just resubmitted an FTC report showing Citi fraud started XX/XX/XXXX but do not know if this is going to help
I have filed a criminal application in XXXX XXXX magistrate court for next Monday. XXXX has not complied with the subpaeona. they sent me a form for deceased husband to sign authorizing access and a bill for {$230.00} to print out copies. XXXX and XXXX have quashed. Chase mortgage in XXXX did not return receipt. XXXX XXXX was informed of noncompliance with certified mail and return receipt numbers. District Attorney was informed of crimes. XXXX. XXXX. Thanks for your influence. Responses but still unproductive. XXXX transfer letter yesterday.See att evidence. Please help.
i contact equifax because there was some unknown inquires on my credit report and i ask them to remove them because i have proof from the creditors to have them to remove the inquires but they fail to do so
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
My wife and I have individual credit card accounts through Bank of America. We XXXX were able to pay them off ( prior to the payment due date ) recently and had a zero balance. On the next statement, Bank of America attempted to charge us interest, {$16.00} for my wife and {$9.00} on mine. I do n't trust Bank of America and this makes me wonder how many people have had this happen and actually paid the interest charges. I can provide any details you might need. After calling, their automated system resolves the issue. 
I just feel like they are attempting to make money illegally by taking advantage of consumers who do n't understand their rights.
i registered the gift card and am unable to use it.after several calls got a live person and they told me that it was registered to someone else.eventhough i can access the account and change the pin number.this is XXXX percent a scam
Capital One reissued a close out check to myself on or around XX/XX/XXXX, sent via XXXX while I was away in XXXX XXXX, this check is a replacement for a prior check which a stop payment was placed on in error. The replacement check was intercepted by a third party, my name signed to it, cashed by a XXXX XXXX whom I am not related and does not live at my address, contrary to what Capital One rep, XXXX XXXX, tries to infer. The funds were not received by myself, totaling XXXX. Capital One has not provided any proof funds were received by myself, aside from the forged check. My signature is on file and they refuse to check it with signature on check, also refuse to reissue check. I've requested their physical mailing address for filing notice of small claim suit and they continue to provide a third party website address to visit for locating such address. Since the stop payment was premature and in their error, loss of funds would not happen as it did. Had they not stopped payment and left well enough alone then interception of check and thus cashing it by third party would not have occurred. Since they are unwilling to resolve this, a small claim suit needs to be filed, a physical mailing address is required to send notice of suit to, which they will not provide. Apparently, XXXX XXXX will not bother to look it up on her own, refers me to a third party website which I refuse to look up myself. At this time, I request proof from Capital One showing I cashed check, which I did not, as well as any other proof funds were received by myself, which they were not. Failing to do so, Capital One needs to look up information such as address to mail notice of small claim suit to, whichever party handles this on behalf of Capital One.
I have disputed this item with Experian with no correction and I called and mailed the company, XXXX XXXX XXXX Card Services to correct incorrect information on my credit report with no correction. I opened an account in XXXX. It became past due and so I settled and closed it in XX/XX/XXXX. This account feel off my report years ago and I settled now alost 18 years ago and now all the sudden its showing up that I just settled it in XX/XX/XXXX?!!! And when I tell everyone its wrong correct they are not taking it off. XXXX and XXXX show it correctly???!!! They wont take it off
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent me a bill. I paid them consecutively {$50.00} for 3x in a row and continued getting " last notice '', " your account will be sent to a collection agency ''. When I repeatedly called them, they said " that was not enough ''. The bill is now down to {$840.00}. I made 3 payments : 1 ) XXXX {$50.00} 2 ) XXXX {$50.00} 3 ) XXXX {$50.00} Somewhere after XXXX I received a final notice and my bill was sent to collections. It now sits with Transworld Systems Inc. for collection. I can never reach the hospital, they are ridiculous. I do n't believe I should have been sent to collections if I was making repeated payments, and on time!
This debt collection agency is reporting wrong informatiom to my credit report. For one the date they reported the account was opened is wrong. They have also stated that they are reporting on behalf of XXXX XXXX which is false. I have a letter from XXXX XXXX which proves the statements are false as well as the dates reported. This company cant verify this debt because they have nothing in writing or nothing that I signed from XXXX XXXX as it states in the attached letter.
Transunion is refusing to remove a Chapter  XXXX  bankruptcy record fro m 2009 that I di d not file. It has a reference number of "  XXXX  ''. I have never filed for bankruptcy in my life. Money has never been a problem for me and my report clearly shows that I have never had any difficulties making payments on my debts. I have disputed this error with Transunion numerous times but they have continuously ignored my disputes as frivolous without properly addressing my claim. They say the bankruptcy record has been verified but my report clearly shows that there have never accounts on my report that have been " included in bankruptcy ''. How can I have a bankruptcy on my report if there are n't any accounts that show they were included in bankruptcy? I manage my finances responsibly so it is unfair that this blemish and error in reporting by Transunion continue to occur when no factual evidence can be provided as validation.
XXXX XXXX XXXX reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of XXXX XXXX XXXX XXXX of customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.
I closed an account with Citibank in XXXX, they did not close the account because it was reopened by a charge. This is legitimate, however I was never informed for 4 months when I finally got a letter stating I had an overdraft of {$110.00}. I called customer service and was told by a manager at the call center that ALL the charges would be reversed and the account would be closed. The following day I do not receive an email confirmation as requested, so I call again to ask another customer representative who tells me that I still have a balance of XXXX. No notes were entered to reverse any charges at all! Nothing was done they basically lied to me about reversing the charges. Finally they reverse some charges and I end up paying a balance of {$59.00} and closing the account. 

{$59.00} is n't a lot of money but it 's just the principle, the fact that a company tells you they will do something then does n't do it, then adds an overdraft charge and makes you pay anyway. I am not interested in Citibank 's response because I know that they will just deny that this ever happened, I just hope that enough people complain about the same thing over and over again that this causes them to be fined by the government. What your customer service team did was unethical and unprofessional you should not have made me pay overdraft charges in the first place since I was n't even aware that the account was open, and you certainly should n't have lied and told me you would reverse all the charges.
I HAVE REPEATEDLY CALLED TO ASK AR RESOURCES INC TO FILE THE DEBT TO BE PAID WITH THE VETERANS ADMINISTRATION FOR THE XXXX OF WHICH I ON MY CREDIT REPORT. THE HOSPITAL WAS ALREADY PAID BY THE VA,,, AFTER 3 CALLS TO THIS COMPANY, THEY ARE STILL REPORTING AND KEEP TELLING ME THAT THEY ARE NOT GOING TO FILE WITH THE VA, BUT ARE A DEBT COLLECTION AGENCY.. XXXX XXXX XXXX =REFUSED TO GIVE THE NUMBER TO THE CLIENT, XXXX XXXX XXXX OR TO FILE FOR PAYMENT ON MY BEHALF.
I filed a chapter XXXX XX/XX/XXXX and it was discharged XX/XX/XXXX but it is still on my TransUnion report even though it has been fifteen years and it is only suppose to be there for seven.
I leased a vehicle with XXXX XXXX XXXX in XXXX XXXX for three years. In XXXX XXXX I had paid in full and never had a missed payment however, upon calling one day I talked to someone who was very unhelpful and rude at XXXX. One week later 8 missed payments showed up on my Transunion XXXX only XXXX credit report from XXXX ( 4 ) and XXXX ( 4 ) dropping my score XXXX points. I called XXXX who told me I had always prepaid and never had any missed payments, so I filed a dispute with Transunion on XXXX XXXX. By XXXX XXXX I received a letter from Transunion that XXXX provided them all documentation and XXXX removed the erroneous information. I never received an explanation of how someone goes backwards 1 1/2 years and adds inaccurate information though I do believe it was the gentlemen I upset XXXX XXXX who did it. My credit score went back up over an XXXX and the account was closed in perfect standing and all my checkboxes were green with no missed payments. Today I check my credit score and once again XXXX reported all the same erroneous information that was just resolved. I contacted Transunion and they verified that XXXX once again did the same thing on a closed account that XXXX just removed from the account. The Transunion women told me I should contact you because she too thinks this is very shady and that she has never seen anything like this. To the point she was going to call XXXX on my behalf. I truly believe XXXX has a gentlemen on their payroll who is purposely and maliciously opening my closed account and re-reporting information that they just removed. When I called XXXX, they will not let me speak to the department who reports it, informed me I once again had to wait 30-60 days for them to research it and that they could not tell me why this is repeating itself. As a matter of fact, they are completely not willing to provide me with any answers. I asked them to reopen my old dispute, they said they ca n't. Long story is I can not speak with anyone who can help me in a timely manner, they once again dropped my credit score XXXX points and I feel this is going to continue happening over and over again. Please help me.
XXXX Bank Delaware reported that they sold an account to PRA group that are reporting on XXXX and XXXX. They said the account has been updated to show a dismissed chapter XXXX bankruptcy. Bankruptcy case number XXXX was filed XX/XX/2017 and has been confirmed. This account from XXXX still shows delinquent.
A previous complaint was filed. CFPB Complaint ID : XXXX. Capital One Case Number XXXX. XXXX XXXX asked to reach out to her. We did through the local bank. The local bank officer called her while we were there and left a message. No responce from XXXX XXXX. Because there was XXXX of dollars transfered without authorization from our mother 's account the local police and sheriff have subpoened the bank statements. They know who transfered the money and have copies of the statements the bank provided us last year. It took the bank one day to print them last year. XXXX XXXX [ XXXX ] is who handles subpoena request for Capital One. The police and sheriff need the statements from the bank to pursue the individuals who took the money.
I had XXXX performed at XXXX XXXX XXXX in XXXX, WA. I was in a payment arrangement with them and paid the bill off this month. However, it was sent to Phoenix Financial Services who promptly reported it to all 3 credit bureaus. They refused to contact the creditor to verify that the bill had been paid. Because of this, I was not able to close on a house that we were purchasing and I lost {$5000.00} earnest money.
Company called ARA left a message on my phone stating that they were filing XXXX counts of fraud against me for a pay day loan that I defaulted on. The loan is 3 years old. I got scared and returned the call and gave them my bank account number in order to stop any proceedings. Is this legal. The contact number is XXXX extension XXXX. Spoke with a lady named XXXX. I am saving the phone message.