WillisBack/dataset-financial-user-claim huggingface dataset:
I received a Parent Plus Loan for my daughter starting in XX/XX/XXXX, I file for Bankruptcy in XX/XX/XXXX-XX/XX/XXXX, I was told by my attorney that my student loans would not be a part of my bankruptcy because they were federal. My loans were in deferment, In XX/XX/XXXX my loans were transferred to XXXX and XXXX. But in the process on my credit reports my loans from XXXX XXXX, XXXX for {$6800.00} and XXXX XXXX, XXXX for {$22000.00} is derogatory from Sallie Mae, the reason stated is that the " debt being paid through insurance ''. It is only on these XXXX accounts. But on my XXXX and XXXX accounts with the same amount, it is current and paid as agreed. I have been trying to correct this since XX/XX/XXXX, if I could not pay my student loans, I would always get a deferment or forbearance. All of my Parent Plus loans were consolidated XX/XX/XXXX including the XXXX listed above.
I have reason to believe that Equifax has been placing another persins information into my credit file. I signed up for thwir services in XX/XX/XXXX and all of a sudden the product syopped working 3 weeks after I signed up for the monitoring services. They are already aware that I am a victim of identity theft, but they I believe that they are contributing to it. It took them 7 weeks fix the product at which time I could not view or monitor my credit file. They finally cancelled that product and told me the product was no longer being offered. And placef me onto another. They didnt give me a refund for the faulty product and they did not extend any free monitoring for the inconvenience. All of sudden on XX/XX/XXXX the product stopped working again and nobody provided a solution. As of today. The product was payed for on XX/XX/XXXX, at which time the product stopped working on XX/XX/XXXX. All of a sudden after speaking to a representative named XX/XX/XXXX, he stated the file was locjed, and I no longer had the product that enabled me to lock the file because they claim they discontinued it. He then cancelled the current product that was not working, and claimed that he needed to cancel it in order to remove the lock. He still was unable to remove the lovk and they did not offer any refund, or my money back, or solution to the problem. They referred me to XX/XX/XXXX at which time, the report was still unable to be viewed. I have reason to believe that they are allowing someone else to use my credit file because when I tried to dispute the fact that there is a lock online, they stated the address information that I provided wad not matching what they have on file. And they have the correct infotmation.
I am being placed on collections regarding a XXXX fire dept brush clearance fees. I self inspected and submitted an affidavit to XXXX fire which they confirmed. XXXX fire department confirmed i do not owe anything to them.
On or around XX/XX/XXXX, received a letter of collection from AmSher Collection Services XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX. Contact debt collector within 30 days dispute period and advise debt was incorrect. Company didn't respond. Had to hire an attorney to write dispute letter and assist with the debts collector wrong information. After attorney contact and dispute. Debt collector acknowledge of its error and the error on the information. On, XX/XX/XXXX debt collector send me a letter stating they will contact credit agency and fix error and wrong/negative information provided. 
On XX/XX/XXXX I reviewed my credit report and notice that AmSher had reported again the same wrong information to credit agencies which it had already been resolve and acknowledge by debt collector of being worng ... 
This has cause great damage to my credit, employment and daily operations of my business. I contact debtor on XX/XX/XXXX to dispute and request immediate resolution, which they have yet to respond, correct or fix. 

Debt collector has caused damaged by defamation and libel of my credit, by reporting, writing and reporting information in my credit knowing to be wrong and incorrect. 

I asked the CFPB to investigate this case, also provide further damage relief, guidance and/or provide information on how I can proceed with defamation lawsuit against debt collector.
We have a couple additional questions for Goldman Sachs to answer truthfully as long as Goldman Sachs answered all of the previous questions truthfully and under penalty of perjury. 
1st, Is Goldman Sachs a member of XXXX? 
2nd, Does Goldman Sachs have their own investor number? 
3rd, Does Goldman Sachs use other investor numbers for assets they purchase, such as our home that Goldman Sachs purchased from XXXX in XX/XX/2006? 
Thank you for your time
To whom this may concern, I 've been trying to resolve 6/24/17 7/30/2017 the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, XXXX & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.
XXXX XXXX sold off account to Selip & Stylianous LLP. Without notifying me that the account was sold off, Selip and Stylianous sent me via the XXXX County Court System a notification that they are suing me on behalf of XXXX XXXX. When I contacted XXXX XXXX, they said that the account was not theirs anymore and had nothing to do with the lawsuit. I inquired to Selip and Stylianous LLP about why they never contacted me before suing me and they would not respond.
A COMPLETE modification package was sent in and the review process started. On XX/XX/XXXX our office contact Bayview and received the following update.
XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX PHONE CALL [ p ] - XXXX ; XXXX XXXX SPOC XXXX XXXX call XXXX XXXX ; XX/XX/XXXX is sale date ALL docs have been received and uploaded as of XX/XX/XXXX By today or no later than tomorrow they will have submitted to underwriting nothing needed at this time. File in review on XX/XX/XXXX an acknowledgement was sent to the client and our office. ( Please see attached ) On XX/XX/XXXX Bayview stated they are refusing to review the file as the sale date is TOO CLOSE. The loan mod review had started. IN CALIFORNIA, a complete package must be in 7 days prior to the sale date. The sale date is set for XX/XX/XXXX. Bayview is dual tracking despite the law that restrict this. Dual tracking occurs when a mortgage servicer continues to foreclose on a homeowners home while simultaneously considering the homeowners application for a loan modification. Rules issued by the Consumer Financial Protection Bureau ( CFPB ) as well as various state laws and the National Mortgage Settlement ( NMS ) offer protection to homeowners in this situation. The CFPB rules, which became effective XX/XX/XXXX, strictly limit the ability of mortgage servicers to foreclose on a borrower while also negotiating a loan modification. BAYVIEW is discriminating against XXXX XXXX based on his race, ethnicity, language, national original At this time, we are demanding the sale date be postponed to continue the review or XXXX XXXX will assert his legal right in district court naming Bayview as a defendant.
They put my account into default when they were supposed to put a forbarence on it ( hurt my credit causing hardship ). Then they enrolled me into a program where i paid XXXX payments of XXXX $ to get out of default. After that someone from navient CALLED ME and we setup a payment plan of {$5.00} a month for the next XXXX months. I paid XXXX months on that plan and got a letter for them for {$68.00} a month. So i called them about it and they said there had been a mistake and i had to send them a letter or something and they were sorry but i have a forbearance and they could apply it to the account. She clearly stated in a recorded phone conversation that putting the forbearance on my account will not hurt my credit any more. So i agreeed. And now my credit score just dropped XXXX point. Please help i need this off my credit score i cant even get approved for an apartment. Thank you!
This account is not being reported on my Experian credit report and it 's affecting my credit.
In XXXX XXXX, I applied for the XXXX XXXX XXXX XXXX program offered to me through mail by Student Loan Care , LLC. They added a 3rd party company named XXXX XXXX to finance what I thought was my federal student loans being rolled over to their company to be repaid. I expected that my federal loans would be rolled over to XXXX XXXX, but unfortunately, I later found out that the {$1400.00} that I was to pay in payments of {$42.00} a month was actually a FEE for their so-called services. I called my federal loan servicer and they had never heard of these 2 companies and my accounts were not in any kind of process of being rolled over. They were deceitful in their information and I feel that I was n't fully informed when I signed the contract. I have a high amount of student loans, I work two jobs, and have a young family and I was desperate for help with my loans. I feel embarrassed and frustrated to have fallen for this scam!
I bought a money transfer on XX/XX/2016. I called the customer service on XXXX/XXXX/2016 and went to money gram agency located in XXXX XXXX XXXX, XXXX XXXX to request a cancellation and a refund. The lady responded that I have to call their XXXX after several transfer to different individuals I spoke to someone who requested that I sent an email with an explanation of the transaction to XXXX with my reference number XXXX. I did however I did not receive any response. I continue calling the same phone number without success. The agency keep transferring my phone call and I get disconnected every time. Please tell me what else I need to do to obtain a refund of {$150.00} that I paid. I was the sender XXXX XXXX, XXXX, MoneyGram transfer. The person who was to received payment XXXX XXXX XXXX never went to pick up at XXXX while she was there in vacation from XXXX. Since the receptor was not able to pick up I am requesting cancel transaction/refund
We set up our account on coinbase at exactly XXXX/XXXX/XXXX we went through the steps to verify our account including giving detailed banking information, articles of incorporation, passport, and sealed official documents from the state of Utah to verify our identity. 

On XXXX/XXXX/XXXX we received an email stating that coinbase ca n't verify our identity with no further explanation or steps on how to resolve the issue. 

On XXXX/XXXX/XXXX without any response or warning our account was locked out with no explanation. We sent this company an email asking why this was done and have had no response. 

On XXXX/XXXX/XXXX We sent another email asking why support is n't answering any of our emails and received the same canned response of it will take a few days to receive a response. 

As of XXXX/XXXX/XXXX Coinbase is holding over {$4000.00} XXXX of our money in their account and refusing to give it to us. They have not unlocked the account and are still not responding to any forms of communication.
I have been dealing with Heritage Acceptance Corporation for over a year in paying a debt owed. XXXX contacts me by text as well as calling my employer numerous times on the same day. For instance I have received 2 phone calls today XX/XX/2018. On XX/XX/2018, she called me 3 times with respect to a debt. The company has my cell number and can contact me by that phone and/or texting, but continue to call my work which is harassment. 

XXXX tries to get forceful on the phone indicating that my wages will be garnished if I don't make payments. I had to correct her and state that can only be done if a lawsuit is filed. 

With regards to payments, I have consistently made payments for the last 3 months for at least $ XXXX month and that is showing good faith payments, therefore they can't pursue litigation.
I am a first time home buyer and am in the process of purchasing a home under FHA. I was suppose to close on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and Freedom Mortgage does not return my calls or emails. I am in fear I will loose my new home due to their neglect and lack of due diligence. I have submitted ALL items needed and this company is either toying with me or wants me to walk away as I have yet to close and they keep asking me for items I have already turned in. I have emails to back up all above statements. Also this home is only {$86000.00} with the buyer paying my closing costs, this is a great deal to start off my future for my daughter and I and its all at stake because of this offices lack of business ethics. Please Help!!
In XX/XX/XXXXof 2017 a XXXX XXXXXXXX XXXX I cosigner for was totaled. After insurance paid there portion XXXX XXXX still had a XXXX balance. But she this car was purchased directly from.XXXX we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. XXXXXXXX XXXX has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.
We have applied for a rehab purchase loan FHA XXXX FHA CASE # XXXX is the name, AmeriFirst Bank XXXX # XXXX and my loan officer is XXXX XXXX XXXX XXXX # XXXX and his assistant XXXX XXXX XXXX XXXX # XXXX, the loan that we are doing with them has become a night mare the contractor that XXXX and XXXX provided his work does not pass the City of XXXX XXXX XXXX in Illinois the inspector name is XXXX XXXX XXXX, CBO Assistant Director, City of XXXX XXXX. The inspection has not passed 3 times there are safety issue so the work can not continue, the contractor already was paid the 1st time and on the second draw we decided not to allow payment as the work is not completed by code. We have spoken with XXXX and XXXX and they keep stating that the contractor is fine and FHA Consultant so we have called the FHA consultant XXXX XXXX contact # XXXX that is our inspector and XXXX XXXX XXXX another inspector to please check the work that was being completed and both agree it is wrong and needs to be corrected. So when we asked for the bank to have the contractor correct the work he declines and states it is done correct and he went and placed a lien on the title of the home. So know we are asking for the bank to allow us to seek a new contractor and they are giving us a hard time. While this has been going on back and fourth for about 8 months and we are know where closer resolving this matter. I was then referred to a loan officer that was nice enough to explain and direct us to the CFPB to place a complaint and open an investigation as to why you can not obtain another contractor and why the back wants me to only work with this contractor that will not do right by the work he is to be paid to complete. The contractor name is XXXX XXXX contact XXXX, name of company XXXX. We have placed several complaints with the Illinois Department of Financial and Professional Regulation Division of Real Estate on said date XXXX/XXXX/2016 and XXXX/XXXX/2016. We are asking for help as we are living in a unsafe home with our children we have no choice. Please contact me on my cell XXXX XXXX cell XXXX and XXXX XXXX cell XXXX.
I have student loans with navient and they are reportinh 2 late payments on my credit report .this is holding me back from getting credit cards approved and the possiblity to purchase a home. I did not know i was i. Repayment period and was not offered a way to post pone payments i found out through my own research online and called back and requested the forbearance because repayment will cause me financial hardship. Not sure if my loan is private or federal, i really didnt know what i was getting my self into, when i originally signed up for college i was u der the impression it was finiancial aid because i did not make much money.
I purchased a prepaid Serve American Express at XXXX at checkout something was n't was n't standing correctly and they had to bring up the card and at which point they told me it would be active it was supposed to automatically be ready to use and apparently it was not scan properly and when I tried to take it back they told me to call the Washington State financial institutions when I called American Express and they asked me for copies of the receipt copies of the Box copies of the credit card so on and so forth copy of my ID and so far I 've heard nothing back from them and spent {$200.00} for nothing
I have requested that Bayview Loan Servicing correct my credit report with all XXXX credit reporting bureaus beginning XXXX. Thereafter, XXXX reported my loan as closed on XXXX. This dropped my credit score and stopped me from refinancing my mortgage. I sent another letter to XXXX via certified mail on XXXX. On a phone call with XXXX on XXXX the company rep stated my file would be corrected with the credit bureaus by XXXX XXXX. This has not happened. I received a letter from XXXX dated XXXX indicating they would correct the information they are reporting to the credit bureaus. I received a XXXX report from XXXX reflecting that XXXX changed some information but it is still being reported erroneously as settled in XXXX bankruptcy with no balance and incomplete payment history. I have made countless phone calls with no results. XXXX sent a letter stating that my loan would be transferred to XXXX XXXXXXXX XXXX on XXXX XXXX, XXXX. I feel that XXXX has prevented my re-financing of this mortgage through repeated erroneous reporting. I have attached my most recent letter faxed and e-mailed to them today with supporting documents of previous letters, credit file information, etc. I am requesting that this matter be resolved asap as the error is causing me financial harm. Bayviews actions are clearly in violation of the Fair Credit Reporting Act.
An auto loan with Wells Fargo Bank was paid off in full in XXXX XXXX for the amount of {$370.00}. Wells Fargo wrote on XXXX XXXX XXXX that the auto loan was satisfied in full and submitted a request to XXXX Credit Reporting Agencies - XXXX, XXXX and XXXX - to update my credit report. 

Subsequently when I applied for a home loan in XXXX XXXX, it transpired that Wells Fargo had reported that the loan was either charged off or written off and I still owed money on this account which is false as the amount was paid in full. So my credit report is adversley affecting my chances of obtaining the loan as requested. Wells Fargo have admitted their error and have submitted a request to the Credit Agencies to update their reports but say that it will take 30 to 60 days for this to happen. Time is of the essence and I have waited almost 5 years for them to rectify this. 

I have called Wells Fargo several times to try and resolve this matter by asking them to do a rapid rescore and send it to the Credit Agencies as soon as possible. My initial contact was XXXX in the Executive Office who gave me a Complaint Case # of XXXX saying that it would take 10 business days for this to happen and referred me to a XXXX XXXX ( Tel XXXX XXXX XXXX ) with whom I left messages to call me to no avail until I reached a colleague of his, XXXX, who sent a text to both XXXX and his boss , XXXX XXXXe ( Tel XXXX XXXX XXXX ). I subsequently had phone calls from both explained the situation and of the massive importance of the requested rapid rescore. XXXX has twice written to me to admit Wells Fargo 's error and XXXX telephoned me to say she would not do a rapid rescore and that the 10 business day alternative would be the only resolution. The 10 business day period is now over and I have phoned both XXXX and XXXX and left messages for them to call back but neither has bothered to do this. 

This whole matter is badly affecting a ) my credit score b ) my chances of a private equity loan and c ) my health as it has caused me much XXXX and has led to me having very XXXX XXXX XXXX levels and XXXX XXXX. It has also meant that the home we picked out has risen in price by {$3000.00} and we are potentially going to lose our preferred lot. This will likely also cause increases in my home and car insurance policies. 

Wells Fargo Bank having admitted their error should be making every effort possible to resolve this for me as quickly as possible and it seems the only way I can get something done is by contacting you. 

The documentation regarding this is attached in the relevant section.
I was sent an American Express giftcard for my wedding in XX/XX/XXXX. The card remained in my possession until I tried to use it in XX/XX/XXXX. There was no balance on the card. I researched the previous purchases and found that it had been used to make several purchases at XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. All businesses are located in California, XXXX XXXX County. I live in Texas and have never been to these locations. 

I contacted American Express who told me that they did not have enough information to refund the card based on fraud. I was told there was nothing to do and I had to contact the merchants myself. 

I have the card in possession, including the packaging the card came in.
I applied and received a personal loan from Citi Bank. During the online process to receive a discount on interest rate you had to sign up for automatic debits at that time. It was not an option to receive discount if signed up at later date. I called Citi on XX/XX/18 to change the due date to a few days later due to if the XXXX fell on a weekend or holiday they would take the funds out earlier. I only get paid twice a month on the XXXX and last day of month so if the funds are drawn earlier than XXXX could potentially cause account to overdraw. For the change of due date I was advised that was not possible. The only option is to take advantage of the 10 day grace period, but I would have to cancel the auto debit and would lose the interest rate deduction given for auto debits. I think it is unfair to take the funds out prior to the due date. They have a grace period on the account and should take the funds out on or after the due date not prior. 

The second issue is that I have not received an email from the company since I was approved and wanted to know how to view my loan information online. I was advised the only way to view personal loans online is to attach it to your debit card. I do not have a Citi Checking account so that is not an option. Citi Bank is segregating customers and not providing the same access to their loan information unless that person also has a checking account with them. I have credit cards with them and was advised that only can access my personal loan information online with a checking account debit card. That is unfair as I should be able to view my information online and keep track of my information. Also, by not allowing me to view my information online if prevents me from making online payments to try and pay off my loan faster to avoid some of the finance charges.
I found out there were medical collections ( account XXXX for {$140.00} from XX/XX/XXXX, XXXX for {$120.00} from XX/XX/XXXX, XXXX for {$96.00} from XX/XX/XXXX, and XXXX for {$56.00} from XX/XX/XXXX ) from Optimum Outcomes on my XXXX  credit report that I do not recognize. I tried calling Optimum Outcomes multiple times and left voice mail messages, but never got a response. I opened a dispute with XXXX  said they reported that the account belonged to me, but I do not know what it is or what it is for, and I still have not been able to get a response from Optimum Outcomes. I disputed these same accounts with XXXX and XXXX, and they promptly removed them from my account. I have attached the relevant snippets as supporting documentation. I can be reached at XXXX or at ( XXXX ) XXXX. Thank you in advance, XXXX