WillisBack/dataset-financial-user-claim huggingface dataset:
My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX Kentucky  University and XXXX XXXX XXXX. 
Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. 
As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. 

I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. 
According to the FCRA if ANY Company falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.
A few months ago, because I founded a XXXX XXXX XXXX XXXX XXXX and received approval from the Dept. of Ed as a loan forgiveness program for our counselors, since we service XXXX XXXX patients, my loans were moved from a provider to direct payment to the Dept. of Ed. That provider was not the problem. Prior providers who were horrible lost my loan servicing to an organization in XXXX, which was great. 

XXXX and XXXX have reported negative comments about delinquency to the credit bureaus. I was NEVER delinquent, as I was on a deferral basis, since I am still in a XXXX program. I switched schools from XXXX XXXX ( money hungry ) to XXXX ( tries to reduce student debt ). XXXX is eligible for deferral programs from other school balaances. There is no reason to report me delinquent. I feel this is just a thumb in the eye for leaving them. Please correct. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Problems are : Dept of Ed. XXXX and XXXX XXXX XXXX. Hit me for every single loan. Battered my credit score. Totally unfair. If you need my social, it is XXXX. 

Thank you very much.
I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have filed several complaints with the CFPB to no avail. I recently discovered that if the complaint receives a response it is considered closed. This is absurd Responding is not a solution, therefore, we will try again and see if they can still pass the buck. 
1. XXXX XXXX denied they were a XXXX XXXX so the Department of banking was unable to assess sanctions. 
2. XXXX XXXX XXXX XXXX foreclosed in spite of rectifying the accounts servicing and other illegal fees. ( XXXX. ) They proclaimed they only offered representation and forwarded my complaint to XXXX. 
3. XXXX 's Ombudsman conveyed erroneous data.A foreclosure sale was XX/XX/XXXX. The reasons for the sale were never resolved so I gave in! They state an inspection was completed XX/XX/XXXX and the property was determined vacant and was secured. The property was not vacant, I was out of town for the holiday abd neighbors were watching the house for me. Upon my return I was unable to gain access to my home. I notified Altisource who was responsible for the lock, The XXXX County Sheriff, the XXXX XXXX Police, Congressman XXXX and the attorney general. The verified the lock was placed XX/XX/XXXX. 
4. The replacement value for the goods sold at auction total a little less than {$7000.00}. 
XXXX said I owed them money, however. the bankruptcy erased this obligation.There were no Ejectment, eviction notice or postings provided. 
XXXX will not change their decision due to XXXX  's lies.
I am a XXXX, currently representing people in the sale of their home. The buyers for their home are obtaining their financing through Cityworth Mortgage. The mortgage company has had the mortgage application and all pertinent documents since XXXX XXXX, 2017. We were supposed to close the transaction on XXXX XXXX, 2017. We still have not closed. The week of XXXX XXXX we received notification that the mortgage company could not close XXXX XXXX. At this point the sellers were literally driving their entire life 's possessions to Florida. They were scheduled to purchase their home also on XXXX XXXX. So, they are now homeless, thinking they were going to retire in Florida. They are paying to store their possessions. The buyers for their home are about to be evicted from their lease because they have over extended. Myself and the agent representing the buyers have communicated with the loan officer and processor. I personally have spoken with the owner of the company, his son, and a team leader/supervisor. They are inept at best, their customer service is atrocious. At least three families are suffering, yes truly suffering because of the inexcusable business practices of this company. The suffering parties should be compensated for their inconveniences and unnecessary additional costs incurred due to the mortgage company 's ineptness.
I have been contacted by XXXX repeatedly stating she will be serving me with a court date to sue me at my home if I do not call another number before tomorrow. I called the XXXX number and was told they dont know who XXXX is, but they are serving me legal documents at my home. The man did not give his name, would not verify anything about the debt, but said I could start a payment plan and he was from XXXX XXXX XXXX. Otherwise, they will take me to court and garnish my wages. I checked with the original creditor, XXXX XXXX, and the account was never sold to XXXX XXXX XXXX, who is the number I called. I am being harassed and threatened. Please put a stop to these companies.
Discover fail ed to pay me {$300.00} for my credit card account  XXXX   XXXX   XXXX   XXXX .     I spent {$3000.00} in purchases at  XXXX   XXXX   XXXX  using   XXXX   XXXX   in    XXXX   XXXX     ( s hown i n SCREENSHOT 1 ). Under  the terms of promotion,  Discover was   supposed to give me 10 %, which would be doubled at the end of the year to 20 %. The " double cashback '' promotion was  one I was  enrolled in from   XXXX   XXXX   to   XXXX   XXXX    ( the fin al amount deposited is shown in SCREENSH OT 2, provi ng I was enrolled ).     On   XXXX   XXXX   XXXX  ,  Discover finally awarded th e cashback ( shown in SCREENSHOT  3 ). However, the amount was only {$300.00} ( shown in SCREENSHOT 4 ), which is 10 % rather than 20 %. I am the refore owed an additonal {$300.00}.     I contacted  Discover customer  service, where a supervisor named  XXXX  in their  XXXX  office opened an investigation for me. However, at the end of their internal review, they refused to award me the additional cashback owed with no further explanation, and refused to provide an email detailing how the cashback was calculated.     I am owed an additional {$300.00} from  Discover from  their   XXXX   XXXX   and  Discover Match pro motions, and ask for immediate cash relief.
This Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on Transunion and Equifax 2. You verified High Balance as " {$2000.00} '', on all account beginning in XXXX, which is not correct 3.  You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on Equifax 6. Date of XXXX hasn't been updated since XX/XX/XXXX on XXXX 7. Actual Payment Amount is {$0.00} on XXXX  and XXXX  8. Actual Payment Amount is thousands of dollars off on all accounts on Equifax compared to High Credit 9. Account Status on XXXX  and Equifax is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts on XX/XX/XXXX on XXXX, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.
Capital One Auto marked me 30 days late on XX/XX/2017 and I have been trying to fight this for months. I have still yet to receive any help. I had this account for about 6 years and I never made a late payment.
In late XXXX I signed up for a checking account with First Tennessee with a promised bonus. I fulfilled the requirements and waited the required time frame for the bonus to post. When the bonus did n't post I messaged them and they said the offer did n't apply to my state. I asked for a link to prove that it did n't, because I did n't see it at opening - and I read fine print. I was given a different number to call and when I called it I was told there is a bonus code attached and he would check the landing page. Than I was told it was expired when I opened the account, than I was told it did n't apply to my state. When I asked for a link/landing page I was told that there is n't one and the customer service rep remembered this bonus code from 5 months previous and it did n't apply to my state. He said customers usually have their own proof for the bonuses. I think this is very dishonest since a large number of First TN bonuses DO apply to my state, I did review the fine print, and they have no record of their own offers.
My parents were co signers on some of my loans and they ended up in bankruptcy. Navient did not allow me to make any payments during this time, But Navient continued to accrue XXXX years of interest. 

I continue to pay more then what is owed but my balance keeps going up. 

My account says that I owe nothing for some months but when I click on the specific account I can see that there is an interest balance. This is deceptive, it makes you think that nothing is due that month but really you are accruing more interest. 

I went to XXXX XXXX a for profit school. I was never given information about my lender, never given information on my credit. Never told about monthly payments. 

I have called multiple times to see if my interest rates could be lowered but they have told me multiple times that it they are based off of what the government decides and there is nothing I can do to lower them. 

I was told that I am not able to consolidate in any way. 

My interest rates keep rising and it 's getting to a point where I can not afford to live. 

Whenever I call their customer service all they say is there is nothing they can do.
XX/XX/2018 I received several alerts with my credit monitoring saying that I applied for credit online. 

I never filled out any applications, so either it's a mistake or my identity has been compromised. 

I am waiting until the end of the year to apply for credit cards and don't want this many inquiries on my report especially when I did not authorize them. 

They need remove XXXX XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XX/XX/2018.
The company Santander Consumer USA incorrectly reporting payment history and payment status of an account in my name. I would like this issue removed from my credit report until it can be validated. The company is known for reporting falsely and inaccurately on accounts.
In XX/XX/XXXX my husband and I placed all of our credit card debt with a settlement company, XXXX XXXX XXXX. They settled our credit cards one by one for lesser amounts, and we thought we were getting back on track. In XX/XX/XXXX, XXXX XXXX sued me for the amount owed, which was {$1500.00}. Without my presence in court, the Magistrate ruled against me and filed a judgment for the amount of the debt. I contacted XXXX XXXX, and they told me not to worry, they would take care of it. In XX/XX/XXXX, I received a e-mail from XXXX XXXX stating that XXXX XXXX offered to settle with them for {$1000.00}. I accepted the offer and told them use funds in my account to settle. I assumed that it was taken care of, until I received a letter on XX/XX/XXXX from a collection agency, XXXX, XXXX XXXX XXXX XXXX., XXXX saying that the account had been placed with them for collection.
Debt Collector ( s ), Obligors, Debtors XXXX and XXXX XXXX are attempting to collect an alleged debt of the Consumer. The named debt collectors are engaged in illegal acts by simulating a judicial court affiliated with the United States. The debt collectors were served numerous notices under federal consumer statutes but fail to comply. The debt collectors are attempting to seize the private property, consumer goods of the Consumer under the guise of Foreclosure which is not being performed in a competent judicial district under 15 USC 1692i. The debt collectors are not exempt pursuant to XXXX, XXXX under federal law. This debt collector is taking illegal non judicial actions in violation of the FDCPA, 15 USC 1692, Identity Theft, XXXX. The FTC has a report by the consumer.
I keep getting robocalls from comenity bank u p to 6-7 time s a day after I stated that I was paying them before the  XXXX  of the month. There is no way to stop this call from happening although it is supposed to ask if you would like to stop these types of calls. This is a form of harassment. The next time this happen, I will use my rights.
The lender repossessed my vehicle on XX/XX/2018 causing severe damage to the vehicle by the towing company they hired to perform the repo. The " aggressive '' towing practices of the repossession placed excessive force on rear steering parts vital to safe driving, which caused those parts to brake. A claim was filed with the lender which they refused to investigate. The lender has not provided any written explanation as to why they denied the claim or if they indeed performed an investigation. The repair shop that car was held at was never contacted by the lender as part of their investigation. 

The vehicle was inoperable for over two weeks because I lacked the funds to cover the repairs. My warranty company would not cover the parts because they claimed " excessive force '' caused the parts to malfunction. The tech at the repair shop also suspected that a " towing company was the probable cause '' of the damage. 

This has placed an overwhelming amount of financial pressure on my family considering I did not have a way of reliably getting to work, in addition to coming up with the funds to pay for the repairs out of pocket. 

The lender sent me a letter stating I have not contacted them regarding the matter which I responded to because I've reached out to them several times via phone and email. See attachments.
I was notified yesterday by XXXX that someone has tried to open a XXXX credit card account using my name. This is fraudulent as I did not apply for a credit card from XXXX. One of the investigators from XXXX and I spent the better part of an hour on the phone trying to get someone at XXXX fraud department to answer the phone and all we got was repetitive messages asking us to wait for the next available representative. We never did get to speak to a real person at XXXX. This is is ridiculous and I want to file a complaint about it.
When I went to court they told me that since i wasnt on lease I could n't answer the would n't add me to judgment
I am an XXXX year old woman who has had money stolen by Nelson Cruz and Associates. The also stated they were the Law office of XXXX XXXX XXXX this came from the collection agent I received a call from them saying I may my personal property seized or I would be arrested if I did not pay a debt off with them. I remembered I had some old judgments and they seemed to have that information. I later find they got it from public record not TRUE collections. The fact was it was a line of credit defaulted on and I had worked with a Texas agency prior but was unable to pay. The following is an overview of what happened and it is a result of working with the firm that had placed the account with Nelson Cruz and Associated not knowing they were going to break the law. 
When I got the message from Nelson Cruz 's XXXX XXXX Office after I had paid the first lien, XXXX gave me the following as to the other Judgment saying that I had XXXX in all. Here they or not in the order that I received the information. 
1. Judgment was for XXXX ( this was the XXXX she told me about. This was cost me {$7500.00} And I have been making payment to XXXX of following I have been paying a monthly amount, however, I do not know at this time which of these XXXX I have been paying on. My plan to continue to pay on it as soon as I find out which XXXX it is. 
2. Judgment was from XXXX, XXXX. This XXXX they told me would be {$5000.00} 3. Judgment was from XXXX, XXXX This one they told me would be {$5000.00}. 
This is what they told me and the DEMANDED I deposit the money directly in their XXXX XXXX XXXX account # XXXX or I was in trouble. 
I made XXXX deposits of cashiers checks XXXX for {$7500.00} and {$10000.00}. 
I was promised a lien release and it never came. About one week after this I received a call from another collection company that had stated it had some accounts at XXXX they were doing a customer service call about accounts with them. I told the man everything and he told me that I did have a past due amount of over {$110000.00} but there were no liens or judgments. His company was shocked and I further told them that the business owner XXXX XXXX told me he was going to send me back some monies. This never happened. 
Nelson Cruz and Associates represented they were a law firm and scared me into making a payment that was FRAUD. XXXX XXXX and XXXX XXXX lied to me and when I called in they continue to ignore the problem. I have called my bank my bank told me I cant get the checks back. 
I think my next possibility is to call the Police or Sherriff. 

I have attached XXXX documents one is the bank receipt where I deposited the money to pay the FRAUD and another was a copy of what my account looked like when I received the customer service call. The agency first told me that they saw I paid {$2000.00} and they had no record and I then told them the whole story. They have been very helpful but said they may have to look into legal action as they did not know about this and the send a Cease letter to XXXX that they violated.
My loan was recently sold to LoanCare LLC and my first payment to them is due 5 days from now. I have tried to setup an online account so that I can make my payment on time, but their system tells me my loan number does not exist. I have tried to call customer service but have been unsuccessful in reaching anyone. I left a voicemail which has not been returned. I also submitted an email through their website, which has also not been returned. In short, this company has completely ignored my existence and I am very afraid of what they will end up doing to my credit score due to their incompetence.
Sequium Asset contacted me in regards to my outstanding account with XXXX, Account # XXXX. I agreed to settle the debt for {$1000.00} on XX/XX/XXXX. Agent advised me that I will receive an email that states that account had been settled and that they will contact XXXX XXXX, XXXX to alert them that debt had been satisfied. I received the " paid in full '' letter from Sequium as promised, but XXXX XXXX claims that Sequium has not yet released the money I paid. I tried calling Sequium 11X and advised them that XXXX is still waiting for them to release money I paid. Sequium continues to give me the run around. At first Sequium advised me that they will contact XXXX right away, the next time I called the agent said the end of the month and on another call the manager said on the XX/XX/XXXX they will contact XXXX and on the last call I made the manager said he can no longer assist me since account is no longer with them because debt was already settled. I don't know what else to do no one seems to have the answer to where my money went. XXXX as of XX/XX/XXXX has not yet received my payment. 

Attached is receipt of settlement I made with Sequium to satisfies debt owe with XXXX XXXX.
I pulled my credit report and noticed two inquiries I did n't authorize. I 've called Transunion they told me call the creditors. I called them and they told me call Transunion. This is very insane. The two inquires are : 1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX ( XX/XX/XXXX )
Good morning, we entered into a conventional loan with Citibank and provided less than 20 % down payment, requiring PMI monthly payments. Since XX/XX/XXXX we are providing double principal payments, to reach the 20 % equity value quicker.

Additionally, home values in the XXXX Florida area have risen, i.e. two neighboring homes, each comparable to our home, sold for {$350000.00} and {$330000.00} respectively, when we bought our home at {$280000.00} also completely remodeled ( same circumstance as the sold properties ). Lastly, we have invested in the property, made upgrades ( in form of remodel ) and also added to the property, therefore the original appraisal to the home is no longer valid.

Upon calling Citibank, twice this week ( Monday, XX/XX/XXXX and today, XX/XX/XXXX ), asking for a PMI cancellation and opening process for re-appraisal, requirements are good standing with the loan payment history, loan in place for minimum 2 years and now we are told that we have to be a 78 % home value on the loan.

This makes no sense, as at that point, it is an automatic cancellation of PMI and I wouldn't be requesting an appraisal, which at the end of the day is paid out of my pocket.

It is my feeling that Citibank is providing delay tactics and not allowing us to go through the process of an appraisal and qualify for cancellation of this additional PMI payment. If I am requesting for this process to be done, it is because we feel we our property has a higher value than what we bought for. It is my understanding that we have the right to request for an appraisal, especially given the comparable home values of recently sold properties.

Thank you!