WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX XXXX credit card.I faxed them a letter on theXX/XX/2015 at XXXX. asking for a re payment plan.I received a letter on the XX/XX/2015 requesting payment in full on the XX/XX/XXXX.The letter was dated XX/XX/2015.I made a payment on line on the XX/XX/2015 in the amount of {$25.00}.
I have XXXX hard inquiries on my credit report for a car loan that should only be XXXX as XXXX does not give car loans they only acquire loans through XXXX. It is listed as XXXX separate inquiries.
I opened a checking account at bank of America on XX/XX/XXXX using a bonus offer I received via email. The requirements were to setup direct deposit and deposit {$4000.00} in the first three months. I promptly setup direct deposit, and met the requirements on XX/XX/XXXX ( bi-monthly payments on the XX/XX/XXXX and the last business day ) .The estimated date of receiving the bonus was XX/XX/XXXX, and the bonus period closed on XXXX.I called Bank of America at the beginning of XX/XX/XXXX to check the status, and was on hold for 30 minutes. Once I reached a representative, I  was placed on hold for another 20 minutes, and was given a different number to call to speak with their " bonus team. '' When I called the number, it was a fake number which was offering me a " free cruise. '' I called back and waited another 30 minutes to speak to someone else. They told me that my account was under manual review and that these things take time, but they saw I met the requirements and to call back in a few weeks. I called back on XX/XX/XXXX and spoke with XXXX, who told me a similar story, and that i should call back in XX/XX/XXXX. On XXXX I called back and spoke with XXXX, who told me I had met the requirements, and to call back at the end of XX/XX/XXXX. I called back on XXXX and spoke with XXXX from Alabama, after waiting another collective 45 minutes, she told me to call a different number, and I was able to reach XXXX from XXXX MA. After about an hour XXXX told me that the account had not met the requirements, because my paycheck did not qualify as direct deposit. He would escalate the issue and have it undergo another manual review, since my deposits are very clearly from my employer ( XXXX XXXX where I am a portfolio manager ). He asked politely that I call back by the last week of XX/XX/XXXX if I did not hear anything, but he would email me with the details of the call and any further information. No email ever came.
XXXX I purchase a vehicle XXXX XXXX through XXXX XXXX payment $ XXXX monthly- XX/XX/XXXX- XXXX- inter into agreement with Santander Consumer USA- with a original loan amount $ XXXX- Stated principal balance $ XXXX- payment to Santander {$880.00} that I'had XXXX payment -with Santander.- XX/XX/XXXX - State I ' have XXXX payment to make to Santander- principal balance {$11000.00} -have stated I ' Continues have accrued interest $ XXXX My estimated payoff is {$30000.00} ' Santander Consumer USA - repay for truck over again- I request to Sandtander why they have n't given me credit my military credit I went over to XXXX work for 2 years- Fax my proof ' Sandtander have refinance my loan add me in to bad debt, I went into Bankruptcy just before I'went overseas XXXX/XXXX/XXXX payment was up to date- bankruptcy sent Sandtander {$790.00} each month until XX/XX/XXXX- I Continues payment 'making 2-payment in a month after bankruptcy $ XXXX- Standtander deferment granted-payment $ XXXX.- the problem I 'm having why would Sandtander refinance my loan adding 22 more month to 20 years total 62 yrs. Sandtander this XX/XX/XXXX not fair to me of military - this was not XXXX year loan..sandtander rather refinance than take off interest for 2 years XXXX. add GAP inurance.
Someone from my past, 20 years ago, used my old address and name and made purchases through a sales book and it has come back to me. I havent lived in va for 14 yrs. 
I never received anything from this company. 
They should never send out mail with pre-approved credit for someone to take advantage of. Now i, m paying for it with being called twice a day and my credit ruined.
I had identity theft per XXXX, XXXX, & XXXX in XXXX and XXXX 2016. These creditors denied XXXX credit applications due to the lack of verifying information. A credit freeze was placed in XXXX 2016 to protect my credit. Equifax inquiries from this fraudulent activity was disputed 3 times, but nothing was removed. A letter from XXXX XXXX and XXXX were received and sent to Equifax. XXXX refused to send a letter as they said it was all internal. Equifax merely said they are factual and did nothing. Please help in removing these inquiries : XXXX XXXX/XXXX/16, XXXX XXXX XXXX/XXXX/16, XXXX XXXX/XXXX/16.
I have been disputing this information for the past two years and it keeps getting worse. My child was in the band when she was in middle school. I rented an instrument from XXXX back then and turned it in on time. I no longer have anything with them. I noticed on my report last year that they were saying the account was 30 days late and I disputed it, but nothing was done. I disputed it again and then they started reported it as paid as agreed and that I was paying every month. I do n't have anything from them, nor am I paying on any account. So they have it as a creditor and they also have it in my collection section showing that as a negative remark. They keep reporting this and it is impacting my credit score dramatically. They keep reporting it every single month on moth sides. I have sent a letter to XXXX and to the Credit Bureau and they continue to report it. My credit score dropped down when they added it to my current creditors as if I had credit with them.
I sent letters to Experian on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute and update personal information regarding my name and addresses that was used in fraud many years ago. Although they updated my name correctly, they continually to FAIL to remove the old outdated addresses from North Carolina that either are extremely outdated or addresses where I never lived. I've even sent them my current identification information and they still ignore it.
On XX/XX/XXXX I made a Kohls purchase and selected for two day delivery as I was heading out of town before XXXX vacation. My delivery was expected to arrive on XX/XX/XXXX. I was heading out of town on XX/XX/XXXX. For some reason or another my package was going from one state to another state and probably was in about 10 states. I have no idea when my package was going to arrive and neither did XXXX. So I called Kohls to cancel my transaction as I would not be home to receive my shipment at this point ( given nobody knew when it was going to arrive and I had to depart town on the XXXX ) and would be no good to me as I was already heading out of town for XXXX vacation and needed those packages with me to take as gifts for my loved ones. Either way my packages never arrived, and I dont know if Kohls ever cancelled my order as requested to do so by me. To this day Im being charged interest on top of interest late fees and all kinds of stuff on a purchase that was blatantly canceled on my end and never received. I keep trying to make a payment to keep my account current balance because I dont want it to go an affect my credit report. Kohls has taken no further action to resolve this issue its been going on for as I said since XXXX of my order was supposed to be canceled and Im still being charged with interest on top of it! Not only that every month my account is different my balance is different just the other month I was supposed to receive {$120.00} check because I was overpaid and I never received anything and then I received a letter from them saying that was an account mistake. I would like to see my account summary because nothing makes sense!
After reviewing my Trans Union Credit Report, I noticed the there was XXXX account listed as XXXX XXXX Mortgage XXXX XXXX Showing a 30 day or more later payment. I called Trans Union to clarify this being XXXX XXXX Mortgage XXXX. 
I Have a mortgage with this company. I knew this information was incorrect because I pay my mortgage every month without fail on or before the XXXX of every month. I also knew that I could prove that this transaction takes place every month, because it is paid from my bank account. 
I then filed a dispute with both the credit bureau and XXXX XXXX XXXX, Providing both of them with my bank statements for the past 12 months showing my monthly payments without fail. 
One month later Trans Union sent me a copy of my credit report with the same information showing. I then called Trans Union to ask why it still showed a 30 day late payment and was told that Trans Union does not except bank statements as proof of payment and that the information would remain until XXXX XXXX made the correction. 
This negative reporting on my credit report has impacted my credit score greatly. It is unfair that Trans Union would except false reporting from a company, and then refuse proof of payment by the consumer. 
I ask that this be looked into further please.
Dear CFPB, I submitted my complaint to your company about Nation Star/Mr Cooper and their company policy to not offer ability to request a modification on my loan unless there are 45 days or more before a sale date. The company has had a sale date every 30 days since XXXX so according to them this means I can never get a modification. Then last night after sending second complaint with all evidence on complaints number XXXX. The company Nation Star/Mr. Cooper sent me an email, it was encrypted so I filled out my password etc to verify it was them. It then showed me an email that said they had opened a modification request on XX/XX/XXXX and they were going to give me until XX/XX/XXXX to get my papers in. I was so happy ... I thought finally after 4 years they are going to follow the law. Well my sale date was today XX/XX/XXXX. I got up this morning thinking I'm going to call and talk to somebody about email at Nation Star but when I went to my emails, the email they sent me was gone. They took it back. It was just a way for them to trick me and so hopefully they could sell my home without me filing Bankruptcy to stop it. I can now find no trace of it. When I called both XXXX XXXX at Nation Star and Mr Cooper he acted stupid like he couldn't see in their system that they ever sent me anything. It is governor XXXX who advised the law in state of California was to require mortgage lenders to provide an option to request modification. I have not been allowed to. Now they played games with me to try to stop me from filing an emergency bankruptcy petition. I can not tell you how much pain I was in trying to get to courthouse this morning due to the extreme XXXX XXXX  I have. Can't anyone stop them? They have been pulling so many things more than listed here for XXXX  XXXX XXXX. I'm so disheartened that nobody will see what is going on and help. I tried to get XXXX XXXX from XXXX XXXX legal aid but he gave me this huge list of requirements to get from the investor XXXX XXXX XXXX and they would not provide them in time so at the last minute he said he could not help me. My only way is to suddenly come into money or for XXXX to do a miracle and somebody maybe see this complaint to finally help me. Isn't it illegal for them to fake send me an email saying they have opened a modification request and then rescend it? To actually take the email back from my computer after I have opened it? I cant even find the email ... .they took it back. Please, it is my heartfelt plea. Make Mr Cooper/Nation Star and XXXX XXXX XXXX do the right thing here and give me a modification. I know I qualify because I was a loan officer for years. They should have to give me the house for the 4 years of XXXX that they have dragged me through. I am not to proud to beg. I'm too tired to keep going on like this. Please step in and review all the information I have given. .This company is truly Evil. Mr Cooper/ Nation Star. Evil in every action. They dont seem to be able to behave honestly. They cant seem to be honest about anything. Not one thing. 

Thank you
For the last 6 years I have had late payments reporting on my credit report from Student Loans from ACS/Wells Fargo/US Dept. of Ed. My loans were in deferment because I became very ill and was unable to work. I have disputed it multiple times through the credit bureaus and I get no results. After I received my doctors said I was not going to be able to return to work I filed for XXXX. I also while my student loans were in deferment filed for my student loans to be discharged based on XXXX XXXX. Which was approved! I have XXXX loans reporting that I was late 60 days late 1 time and 90 days late 3 to 5 times?? I was never 30 days late though.
My credit report is showing I owe, two separate balances, to XXXX XXXX XXXX. The two amounts showing owed are for {$510.00} and {$630.00}. 
At the time of receiving medical attention, in XX/XX/XXXX, at XXXX XXXX, I was under the impression that my insurance would be covering 100 % of my medical expenses. At the time of my visit, I was informed by XXXX XXXX, that my insurance was accepted and I did not need to come out of pocket for any expenses. 
I am just now, in XX/XX/XXXX, becoming aware of my insurance not being accepted by XXXX. 
Shortly after my visit to XXXX, I went through a divorce, became unemployed and relocated out of state. 

I recently looked into repairing my credit and became aware of these accounts. When I contacted XXXX, I was told that these accounts were too old for me to dispute. I was never even notified of the debt, nor given information about being able to dispute the debt. I also requested to apply for financial assistance, but was denied. 

These accounts have reached the statute of limitations in the state of Utah.
Signed up for {$4.00} trial membership, cancelled before the trial was over. 29 days later I have been billed {$14.00}. Hold times to cancel by phone are over 90 minutes.
I was in a joint lease in some apartments and moved out 2 years later. My ex ( which whom I resided with at the time ) renewed the lease for 2 years after I moved out. The apartment complex is stating that I owe {$3000.00} for a broken lease in which my ex broke. I stated that I did not re-sign lease for the consequent years and should not be responsible for this debt. The new debt collector refuses to give me proof of the debt nor will they furnish the original contract which was signed stating that I am responsible, and they are very rude and belligerent on the phone. I have been dealing with this debt collector for a couple of years now and they still refuse to send me proof of debt, however this remains on my credit report. When they offered for pay to delete services, they wanted me to pay first without giving me a letter honoring the pay to delete services. Basically, I really need to resolve this debt, however, they are not giving me any proof of it, nor are they letting me pay the bill without proof of payment or payment deal being offered.
My credit was repaired, I have a fraud alert and now myscore will not appear. It states I have no credit when in 2013reported a XXXX credit score. unable to get a clear answerfrom the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX
I was contacted by a NelNet collections agent requesting payment back in XXXX XXXX. I have not attended college at the XXXX XXXX University that they claimed that I did. When speaking to the agent in XX/XX/XXXX/XX/XX/XXXX we confirmed that the original address and email address was the fraudster 's information. We requested a fraud packet to be mailed to my address to complete. I filed the police report and sent all the verification documents to the company XX/XX/XXXX. I was advised that it would take a couple of months to process it, and I did n't receive another call until XXXX XXXX. When I received the call in XX/XX/XXXX, I was surprised to hear that not only have they not complete the Fraud claim, but my " account '' was further past due and if it goes any further then they will garnish my taxes and wages. This is insane. I have not attend a college since XX/XX/XXXX, and when I did I did not receive any loan to pay for the tuition. I just spoke to a XXXX on the phone from Nelnet today who stated that they would email me the documents today to complete again, but it will take a few months to clear up. 
XXXX
Defendant-Nationwide Biweekly Administration, INC. 

comlplaintant- XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX a lawsuit was filed against defendant by you. i have been using their service for several years and my account was suspended on XXXX/XXXX/2015 without my knowledge. i would appreciate any information available to you and if I am included in this suit. I would also like to know what my rights and responsibilities are.
I  fell behind on my mortgage due to medical reasons.I sent Diitech monthly payments and they sent them back to me. I requested a modification and Ditech to refuse to letting me apply for a modification. I have a schedu le sale date on   XXXX , 2017  that need to be cancelled
I made a purchase in the XXXX Macy 's store for {$8.00} on XX/XX/XXXX using my Macy 's credit card. I returned this item a few days later. I never received a XX/XX/XXXX or XX/XX/XXXX Bill. I thought my balance was " XXXX '' since I never received any bills and I had returned the only item i purchased during that time period. Note : Macy 's does n't send a bill if the balance is XXXX  The moment I received a bill I noticed I was past due and called up right away to see why. This was on XX/XX/XXXX. Customer Service was understanding enough to waive the fees however we were never able to figure out where the {$8.00} was credited back to since it never went back to my credit card. Macy 's customer service was supposed to investigate the issue. They never got back to me. I did n't have that much time to put into the issue since it was only {$8.00}. Now I am trying to get a mortgage and this late payment is weighing heavily on my credit score. I was never aware that this was a derogatory mark on my credit history until a year after. Macy 's never said anything about it at the time either. I have tried to dispute it through XXXX and XXXX with no luck. I 've tried to contact Macy 's. They keep saying they will get back to me in 72 hours which they never do. XXXX said you guys are the best so I am pleading for your help to resolve this. I have also resorted to starting a firestorm on Macy 's Social Media 's account and they still dont seem to care about their customers. I have learned recently that there are many people who are having the same issue as I am. Please Help! Thank you very much in advanced.
I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.
While out of town for five days, I received in the XXXX mail a letter stating that XXXX XXXX accounts and XXXX regular savings accounts had been opened in my name. Additionally, I received a debit card and PIN ( in separate mailers ). Shortly thereafter I received XXXX letters from BofA telling my the accounts affiliated with my name had been reconsidered and closed. All these were waiting for me upon my return to town. 

I never applied for an account with BofA, not do I want one. I never applied for a debit card, not do I want one. 

I want some assurance that my credit ratings will not be impacted by these actions and that I am not affiliated with them in anyway whatsoever. 

The name and address used is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

I sent an email to the fraud department of BofA a couple days ago but have not heard from them as of now. If I do, I 'll ask their assurance - in writing - that these transactions were fraudulent and that I am in no way associated with them. 

Thank you. 
XXXX XXXX
My issue is a credit reporting from the student loan company nelnet. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by 100 points with XXXX, XXXX, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. Nelnet should have been properly handling my payments to avoid this.
Experian. Signed up for membership ages ago to check credit. Try to call, but the hold times are enormous. When I do finally get someone they always say they are going to mail me something to verify my address, they never do. This is a scam and they keep charging me.
Made a payment and they say they do n't have it. I had my bank send them proof, but they charged me a late fee and still say they do n't have it. My loan was sold to this company in XX/XX/XXXX and we have had problems ever since. I have made numerous calls and never get anywhere. I mailed my XX/XX/XXXX payment and called the day before it was due just to make sure they had my payment. They said no, so I did a stop payment on my check and did a check by phone with them for a XXXX fee. The next day, they tried to cash my check. I am sure they had it all along. For my XX/XX/XXXX payment I did an EFT payment through my bank because I was afraid to mail it after the XX/XX/XXXX mess. Now they say they do not accept EFT payments, but the XXXX XXXX servicing center took my money and still has it. What am I supposed to do?
I have student loans with Navient and I have not been able to make payments that are affordable. As a result they keep throwing me into forbearance as an option and the loan and finance penalties have ballooned to {$120000.00}. I am scared I will never be able to pay it off.
I have disputed the late payments on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts for months. Transunion refused to reverse the late payment.. 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.