WillisBack/dataset-financial-user-claim huggingface dataset:
I had a FHA Re fiance in process with First Direct Lending. The day before I was suppose to close ( XX/XX/2018) my signing got cancelled. I reached out to First Direct Lending several times via email, phone text. I got no response. The website was down and leaving emails for people to email, the phone recording was telling people to press certain numbers and it transfers you to a voicemail. I found out that First Direct had closed down without notice. Do they not have to finish the loans that had final approval waiting to close? This was all done with no communication with there clients. Its not fair that now customers have to start the refi process all over with another inquiry on there credit reports and providing endless amounts of documents. What can we do?
The account is a fraudulent XXXX account posted on my XXXX and XXXX  credit report. As I stated to them before this is not my account and it is fraudulent. I need this taken off immediately because it is not my account and negatively affecting my credit report. On my XXXX  it even states XXXX XXXX XXXX is the direct lender and I have no ties to the company or XXXX. I have never received communications at all from this company either. I have fraud alerts and police reports on file with the credit bureaus as well.
I took a loan modification made the trial payments after the loan was modified the loan servicer seterus increased the monthly payments from XXXX to XXXX per month causing me to default on the loan. I have health issues as well as unemployment. I am 7 months behind the servicer has placed me into foreclosure and telling me i need to pay a minimum of XXXX to reinstate the loan .Today XXXX XXXX 2016 they told me they made a mistake and my payment should be XXXX a month they told me this after 7 months and forced me into default. they also refused to give me a better modification or loer the principal on the loan.
On XX/XX/2017 i needed a jump start and decided to use Roadside assistance offered by Capitol One as one of my card benefits. I called Capital One and they verified my information, told me yes it was a benefit and transferred me to Master card. Again the agent verified my info and sent me to Roadside assistance. The toll truck arrives and to my surprise tells me i need to pay them because they are an independent contractor. I called Capital one and was told yes i will be reimbursed, so i used my debit card. Next day I called Capital one and for 3 hours i was on the phone with 3 managers. Each of them called Master card and over and over we are transferred to Roadside who confirms that no they have nothing to do with Capital one nor MasterCard. They just get a call and get on the road. After that the managers from Capital one drop the call and disappear. I call again and get another one. same thing. When i called Master card directly, I was told that i need to be connected to them by someone from Capital one. Each time i try, they drop the call after telling me that Master Card is responsible for the reimbursement. 
I 'm out {$70.00} and i need my money back. Also it would be helpful to other consumers if Capital one could stop advertising Roadside assistance as a benefit if it 's not
Last year I submitted a complaint against Bank of America for errors in reporting my payment history related to a loan modification ( Case # XXXX ). I received a document from BOA shortly after indicating the error would be corrected and sent to the credit bureaus. I 'm unsure of BOAs process, but these discrepancies are still negatively impacting my credit. 
I want these discrepancies corrected. I want a letter sent to XXXX servicing from BOA documenting their error and notifying XXXX that when the loan was transferred to them it came over as a current loan-not in default. I want a copy of my credit report from all XXXX agencies showing the correction. My XXXX loan number is XXXX. 
For questions, I can be reached at XXXX. 
Thank you XXXX XXXX
I submitted updated income information for the PAYE Plan to Nelnet. I anticipated making an on-time payment under my then REPAYE plan as a qualifying payment toward Public Service Loan Forgiveness. This payment was due XX/XX/XXXX. 

On XX/XX/XXXX, Nelnet sent me a disclosure that my IDR request had been accepted and that I was being placed on an Administrative Forbearance for a month. It stated I had the right to have the forbearance removed. I had not authorized this forbearance, making it invalid. 

I made several requests to have the forbearance removed, and was initially told that that was not even an option. Then I was quoted several different payments due immediately if I wanted to go into repayment, including one of over {$1000.00} ( which was totally incorrect ). They also suggested at one point that they put me in the standard repayment plan in order to make a XX/XX/XXXX payment, even though they later then admitted that I would then have to reapply to PAYE if  I did that. 

Finally, I was advised to call in and ask for a manager, who told me that they could remove the forbearance, but that that I would owe a payment of {$90.00}. I was fine with that. However, they also stated that even though I would owe that money I would not be on a payment plan of any kind ( including the standard repayment plan, which qualifies toward Public Service Loan Forgiveness ) and therefore the payment would not count toward Public Service Loan Forgiveness. Despite Nelnet 's claims, it is not possible to owe a student loan payment and not be in some kind of repayment plan.

Nelnet is just putting people into administrative forbearances in order to make money off of the capitalized interest. Their refusal to put me back into repayment program is an unfair, deceptive, and abusive practice and violates other applicable laws.
On XX/XX/2018 I wrote to XXXX XXXX XXXX in regards to them saying I owe them {$400.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I  wrote XXXX, Equifax. XXXX  informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I also wrote XXXX XXXX XXXX on XX/XX/2018 in regards to them saying I owe them {$260.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them.And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX, Equifax. XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I also wrote XXXX  on XX/XX/2018 in regards to them saying I owe them {$40.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX, Equifax. XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I also wrote XXXX XXXX on XX/XX/2018 in regards to them saying I owe them {$980.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And I haven't received any information. I recently checked my credit report and I see they our reporting this debt from XXXX in the amount of {$450.00}. These accounts are not mine and I would like it removed.So on XX/XX/2018 I wrote XXXX, Equifax. XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I ALSO WROTE THEM ABOUT XXXX XXXX AND XXXX XXXX IN WHICH I HAVENT RECEIVED NO UDPDATE! I WROTE TO XXXX, EQUIFAX, AND XXXX ABOUT THESE UNAUTHORIZED INQUIRIES REPORTING ON MY CREDIT REPORT. I WOULD LIKE ALL THIS INACCUARATE INFORMATION DELETED OFF MY CREDIT REPORT IMMEDIATELY!
Dovenmule is servicing my home loan. Delinquent escrow account. 
they have failed to pay my impounded taxes by the due date of XXXX XXXX 2016. I received a delinquent tax bill with a late fee. 

what can I do?
I recently viewed my Credit Report from each Beaureau, which shows a Bankruptcy Chapter XXXX on my reports. I have contacted each with a Validation of Information with no response after 45 days. The bankruptcy was never verified as mine and also shows date completed as N/A the Plaintiff also as N/A. The last four numbers of social security # showing on the reports is invalid. The info on this Collection is invalid and is not my debt. Please delete this off my report as of now.
I got a flex loan at Easy Money in XXXX Tennessee back in XX/XX/XXXX the loan was for {$500.00}. I had a few health problems and I got a little behind and explained that to one of their employees. They have started calling my job and relatives over and over again since before XX/XX/XXXX.I have 1 friend that they have been calling everyday up to 5 times.I have tried to block their calls so they harass my friends instead.I feel like me and my family are being harassed and I may have to get a lawyer.
I APPLIED FOR A LOAN FOR XXXX AND WAS APPROVED. I SENT EVERY PAPERWORK THEY ASKED FOR AND THEY SENT ME A APPROVAL LETTER. THEY THEN TOLD ME TO USE THEIR REALTOS AND BEGIN LOOKING FOR CONDOS. THEY KNEW THAT IT WOULD NOT BE RIGHT AWAY THAT I WOULD FIND ONE. THIS IS THE MESSAGE I RECENTLY GOT IN THE EMAIL. 
THIS IS THE MESSAGE I RECEIVED AFTER 10 DAYS THEY  COULD NOT LOCATE A VA APPROVED CONDO FOR ME AND THEY REQUIRED THAT I USE THEIR REALTORS. 




" XXXX XXXX, We wanted to send you a note to let you know that your loan file has been closed because it was withdrawn, denied or marked incomplete due to inactivity. 
A letter outlining the full details of your loan closure should arrive in the next 10 days. If you have any questions in the meantime, or if you don't receive your letter after 10 days, feel free to reach out to your Loan Officer. 


Sincerely, XXXX XXXX XXXX XXXX ''
I have a collection reported to my credit file by Penn Credit Corporation. This debt went to collection, however, I had an agreement with the collection agency that they would delete the collection from my account. I paid the collection, however, the collection still appears on my credit file.
Background : I am a victim of Identity theft and I have on three occasions via certified mail sent XXXX  XXXX XXXX XXXX a copy of my police report requesting them to delete the fraudulent data/negative trade line. However, they have refused to delete the fraudulent data moreover, they have not provided/produced verification of the account as mandated under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Equifax has produced no documentation with my " Wet Ink Signature '' on it to validate that the account is being reported accurately.
I like to report that there has been fraudulent activity going on in my bank this is the banks from wells Fargo and XXXX XXXX XXXX I have also had accounts tried to be opened up at the XXXX XXXX in my name I have already disputed claim and written letter to well wells Fargo and XXXX XXXX XXXX they XXXX XXXX XXXX has yet to respond to the claims it has been more then 30 days and I have yet to receive a response from XXXX XXXX XXXX theat are now 3 days pass
CHAPTER XXXX BANKRUPTCY : DISCHARGED I requested for an investigation because CHAPTER XXXX BANKRUPTCY : DISCHARGED have nothing to do with me. I am a victim of identity theft and its not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
XXXX RECORDER OF DEEDS Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX No phone number available Identification Number : XXXX Address Identification Number : XXXX Status : State tax lien filed. 
Status Details : This item remained unchanged from our processing of your dispute in XXXX XXXX. 


Date Filed : XXXX/XXXX/XXXX Date Resolved : NA Responsibility : Individual Claim Amount : {$2900.00} Liability Amount : NA The above action was posted to my personal history in error because this was a payroll action done under the auspices of a corporation and should have never been posted to my personal credit history Moreover XXXX kept the funds for the employee taxes and never submitted the funds to the State of Illinois. I filed a complaint against XXXX XXXX for this and the issue was never resolved. Also, the correct date was XXXX XXXX and not XXXX Nevertheless, the corporation XXXX XXXX should be held liable for the taxes. Pursuant of the Fair Credit Reporting Act and Federal Corporations Act this items should be deleted from my personal credit file immediately.
I have been denied opening a bank account due to incorrect information that Certegy continues to send to Chex systems and other check writing agencies. The following banks have refused to open an account in my name. Bank of the XXXX, XXXX XXXX, XXXX XXXX due to the inaccurate information they continue to send. I have contacted them and they have refused to clean up their error. I have also not been able to cash checks at XXXX due to this error.
A representative from United Auto Credit contacted family members and my place of work not only harassing them but also being rude. I let them know before hand what was going on with me and my car. Today XXXX/XXXX/2015 was the last straw, my manager called to let me know that an representative contacted the store asking her personal questions and was being very rude. She also stated that they gave her personal information about me. It is causing problems with my job.
Letter was mailed in response to Debt Collector 's demand ; on XXXX XXXX 2015. The letter denied owing the money demanded. 
The collector has failed to verify the debt, yet since the date of my response to his initial demand ; he has attempted to subpoena my bank records ; collector has illegally obtained my social security number, and is now seeking to garnish my salary. This is all being done on a debt which the collector has failed to verify.
Today is the 3rd time XXXX  at Gateway Financial has contacted my family/friends without attempting to call me first.  I have repeated asked that I be contacted first on my cell and at least give me an attempt to answer her call prior to contacting my family.  I consider this harassment.  In addition, I have repeatedly advised them that I will be getting a bonus on XX/XX/XXXX.  They count the payments late but consider each month two payments because they are bi-weekly payments now versus monthly.  I have paid well over what the truck is worth and still owe triple what it is worth.  I got locked into this loan by a shady dealership (XXXX).  I was rushed into signing documents and got caught in a loan that is ridiculously upside down from the very beginning.  But I am taking ownership and paying it.  I have gotten in a few situations financially with job losses of my fiancé and it has been a nightmare trying to deal with them through it.  I have had other companies who were much easier to work with (XXXX XXXX for example).  I am tired of this constant harassment and threats to repo via email but then I can't email back my plans to pay (I have to talk to XXXX and be degraded like a school child).  I have had enough.  It should be against the law to continually contact family/friends without attempting to contact the customer.
I am not aware of this debt. 
I have no knowledg of this debt. 
I called and I was told that the date listed is incorrect. XX/XX/XXXX is the correct date and that means this debt should not be on my credit report as of the end of this month ( XX/XX/XXXX ) Date is incorrect as well as debt is incorrect.
On XXXX XXXX, I presented to bank of America, in person, my paid in full balance of XXXX for my student loans. It was received and accepted By a local branch manager in the city in which I lived, and they then in turn sent it to domestic collections in XXXX Texas as a final destination for my payments so that I may get credit for it. I then waited about 3 weeks and had not heard anything back from Bank of America at all, but I traced the payment that was sent overnight to their collections department and found that it was received on XXXX XXXX. As a follow up, on XXXX XXXX, I Then wrote the chief financial officer, XXXX XXXX, in their corporate center in XXXX and demanded I get a credit for my payment. In the letter I gave them two weeks from receipt to respond and to date have not received any correspondence in regards to my demand letter. In the demand letter I included the tracking info and copies of the documents that was received and accepted by the bank of America branch in my city.. 
Yesterday I spoke with my servicer, XXXX and they said they never received payment.
Since XX/XX/XXXX I have been attempting to make my account current and applying the funds under the correct category. There have been many letters sent, complaints made, and complaints uploaded to your site, CFPB. There has been no resolution as of today, XX/XX/XXXX and yesterday I received a inaccurate and offensive letter from XXXX XXXX. Today I have typed up a letter to send to him in regards to this letter, but I also decided to provide you all the information again pertaining to my issues with them over the past year as well as sharing his letter and my response. Over the past few months I have been paying off my debts and clearing up some outstanding financial issues. I have been extremely successful except for my mortgage, who had been unwilling to help. You will see in one of my attachments I am current on 4 out of 5 accounts. That to me shows a big red flag on this company and their reporting of my payments. I have sent many complaints to you and I see others have made complaints to you in reference to this company. I am not sure how you eventually get to a place where this company is investigated but I would highly suggest you begin an investigation before others suffer at there hands.
I have requested validation from XXXX XXXX XXXX, they have failed on numerous occasions to provide this information. I have recently been informed that there is negative information reported by XXXX XXXX XXXX. This account was previously removed from my credit file. ( PLEASE SEE ATTACHED DOCUMENT ) Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$490.00}. I challenge the accuracy, compliance and reportability of this listing. XXXX XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Transunion which is the only bureau reporting a state tax lien has not followed the new rules applied to credit bureaus. I disputed this lien several times as it does not contain my name, address, dob and social security number. Please delete asap
The student loan representative promised that for fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 5.5 % which I assumed would start XX/XX/XXXX. My loan was given to XXXX and the student loan representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. Soon afterwards, I received a bill from XXXX  for XXXX  a month and bill from XXXX XXXX for XXXX and XXXX a month in XX/XX/XXXX. I checked today XX/XX/XXXX and after making 5 payments to XXXX XXXX XXXX they are listing the account as not current. The account is showing and listed as a CREDIT CARD on my credit report and NOW showing that I am LATE. I never applied for a credit card with this scam company!!! The representative stated today ; that a payment in XX/XX/XXXXwas not received and they JUST posted that the account is late this month but the first payment in XX/XX/XXXX wasn't received ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. How is this company still in business with ALL of the negative business practices that they are currently doing. Who can I contact for legal advice ; I was in the process of buying a house and now my credit score just dropped 30 points today XX/XX/XXXX
My account information with XXXX XXXX is being refused to be given to me as they have charged off my account and they are now letting a third-party collector dictate their terms to me. The third-party collector is XXXX XXXX XXXX. I was informed that they had already tacked an additional XXXX XXXX dollars on to the original balance with XXXX XXXX and they intend to charge additional fees on top of that. I do not believe that a government agency or dod contractor should deny a consumer his personal account information. Does this not violate any of California 's Consumer Protection laws?
I was contacted XXXX XXXX on my work phone and cell by Cornerstone Mediation. They contacted me about a loan I took out almost XXXX years ago. They said that they filed with the XXXX XXXX court and wanted to serve me papers if I did not call them back to setup payment arrangements. The next day after looking up the business online to see if it was a legitimate business and checking to see if there was a suit filed against me, which there was not, I checked my credit report and found nothing from this business was on my account. I reported them to the Better Business Bureau on XXXX XXXX 2015. I contacted the BBB today and XXXX who is handling my complaint told me that she sent out XXXX letters and has called with no response. I called as well and got a voice message saying " the person you are trying to call is not available '' another red flag. XXXX then told me to report to the FTC. The Business is : Cornerstone Mediation, XXXX XXXX XXXX, XXXX, New York XXXX. The toll free number is XXXX
Someone went into Huntington National Bank and cashed a check in the amount of {$1200.00} dollars, clearing out my personal and savings account, leaving me PENNYLESS. The bank acknowledge the many Red Flags that should have been caught with the cashing of this check- calling me to verify, another security check by the individual who overrode the check, etc. 
As of ths date I am still PENNYLESS and the bank has not refunded my funds. They also failed to properly file my complaint via the XXXX number causing the complaint to be closed leaving me without any funds.