WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Navient on XX/XX/XXXX or XX/XX/XXXX about setting up an arrangement to pay {$25.00} per month. I also stated to the CSR that I needed the arrangement in writing as proof that I have entered into an agreement with them for a housing program that I am currently in. I was told that because I am on an IBR with a payment of {$0.00}, that I can not enter into any agreements and was told to just make payments and print out my payment history. I made the first payments and printed out the history, but the housing counselor needs an agreement in writing from each lender as proof that I am paying this debt.
I purchased a home in XX/XX/XXXX with a XXXX XXXX. The mortgage was subsequently sold to US Bank. I never missed a payment ; I was never late. My husband died in XX/XX/XXXX. US Bank foreclosed the home in XX/XX/XXXX. US Bank claims there's a 'second mortgage ' on my foreclosed home that was sold with a clear title in XX/XX/XXXX. No one attempted to collect this 'second mortgage ' until after the XXXX for the first mortgage was satisfied in XXXX. US Bank is holding the POB as hostage with a claim to an insurance policy ( held under escrow for {$130000.00} ) to ensure the 'second mortgage ' gets paid. I held an insurance policy on the dwelling until XX/XX/XXXX - US Bank never needs to purchase another policy nor bill me for the policy that was never requested or necessary. I have attempted many times to settle this matter by myself with this financial institution but I have been unsuccessful. I have emailed, mailed, faxed, etc., all my documents ; made numerous phone calls, some that I was disconnected but most had significant wait times and the person on the other end of the phone is always confused about my mortgage. I have wanted to pay this off, clear my name, clear off derogatory remarks from all three credit bureaus and move on with my life. If I pay what they are asking, I will pay XXXX getting a refund. Please help!
Cavalry Portfolio Service They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
I never heard for this place prior to it showing up on my credit report in XX/XX/XXXX. I wrote them two letters XX/XX/XXXX and XX/XX/XXXX ( i have copies of the letters and priority class mail receipts ) asking them to validate this XXXX  debt that theyve reported to the credit bureaus or have it deleted. It was removed from my credit report around late XX/XX/XXXX. Then added back on my report XX/XX/XXXX ; I still have yet to receive any type of validation or any attempt to collect the amount they claim I owe.
NCS has failed to provide me with a dunning notice prior to inserting inaccurate negative information on all XXXX credit bureaus without notice and the only I found out was by VIA credit monitoring service. So when I finally realized I filed a dispute and also contacted NCS and original creditor XXXX to no avail, even though they were in violation FCRA and the Fair Debt Collection Practices they refused to acknowledge any wrongdoings.
Around   XXXX   of this year, I pulled my annual credit reports and noticed a collection on my   XXXX   report. The amount at that time was for around {$3500.00}. I disputed this immediately with   XXXX   and also sent a debt validation notice to this company. I have not received a response from the company as of today. I have also disputed this collection twice with  XXXX . Both times the collection account as went up in amounts. This is a very unfair practice of not validating debt.
I keep getting a call from XXXX, from somebody who claims to be a debt collector, and not only do they refuse to reveal the name of their company, but they have yet to send me any of the paperwork required by law, and I have yet to receive a single scrap of paper from them, and it 's been well over a month. The FDCPA requires a written " validation notice '' telling me how much money I owe within five days after they first contact me. This notice also must include the name of the creditor to whom I owe the money, and how to proceed if I do n't think I owe the money.
I received a notification in the mail from kia motors finance and other car companies saying i was denied credit that i requested. I never requested credit from them and it is a inquiry on my credit report. I am trying to build my credit and have these inquiries removed
I am currently graduated from the degree program for which the loans are attached to. However, I wish to file a complaint because I have noticed a common pattern emerge when attempting to use the auto-debit feature from SallieMae/XXXX payment system -- they say it works but it does n't actually work and it has caused multiple late fees and unwarranted phone calls. This has still occurred even after taking this to SallieMae 's Office of the Customer Advocate. Based on the auto-debit not working over the course of multiple months, I feel this is a predatory practice in which they assess more fees based on a faulty service.
I contacted Coinbase on XX/XX/2018about my account being hacked and all my virtual currency transferred out. This was by phone. I was told they couldn't do anything as virtual currency isn't covered by their insurance. I also had money withdrawn from my linked checking accounts. The agent who helped me told me to send an email with more details and they would get a specialist to investigate. 

On XX/XX/XXXX coinbase finally responded back asking if this was resolved which it wasn't. 

On XX/XX/XXXX coinbase sent an email saying my account was closed. I ask about my transaction records etc for Taxes as I don't want to be liable for the transactions. 

On XX/XX/XXXX I get a response back saying a specialist would investigate. 

On XX/XX/XXXX I get a specialist response asking more details on what happened but no records. 

On XX/XX/XXXX I get an email saying suspicious activity was detected on my account and withdrawals would be 14 days. I still can't access my account. 

My PC was compromised by malware. I also use the XXXX exchange and they have better security measures in place. Both had 2 factor running. I unfortunately had the keys saved in my dropbox. After the initial login from my compromised PC coinbase still allowed IPs from different locations ( even out of the country ) to access my account where XXXX did not. XXXX also flagged the transactions as they weren't typical for my actions and coinbase did not. Point being the hackers tried XXXX but didn't succeed where as coinbase didn't even seem to flag anything. 

I've had my account with coinbase for years and nothing like this has ever happened. I put my trust in coinbase to help protect my virtual currency and they should at least be possibly responsible for lack of security. They convince their consumers that they are as secure as a bank which is false. I had to actually go to my bank to reverse the checking transactions to coinbase as they didn't do anything on their end.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Trans Union To Whom It May Concern, I sent a letter to you disputing 6 accounts as erroneous on ( XX/XX/XXXX ) and mailed I spoke to your representative and they verified you had indeed received my letter for verification. I was informed you received the letter XX/XX/XXXX It is now XX/XX/XXXX and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. I spoke to your representative and she confirmed that you continue to receive updates but have not started the investigation. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have my student loans with Navient. I was to submit a new application for IBR. I spoke to them on the telephone and explained that I was uncertain what to do in terms of asking for a forbearance or IBR. I was told my current application did not expire for a couple months and I had time. I submitted my IBR application and noticed today that my credit score went down 32 points due to Navient. When I called, they said I missed the application dead line by 4 days and was charged interest fees due to missing the deadline. I was NEVER told this was a possibility and I have been using them for years.
My name is XXXX XXXX, lease account # XXXX About 3 years ago we decided to lease the XXXX XXXX. 
It was our XXXX time lease experience and we were very excited to get new top of the line vehicle with features by far exceeded top of the line vehicles on the market. During the lease period we NEVER had any issues with the vehicle and my mostly my wife used it for short commute with our small kids. 
After ~ 25 month lease I replaced XXXX tires and brakes, due to moderate wear in order to keep vehicle in the safe shape. 

According to XXXX recommendation vehicle was tested a week before lease return and inspector found XXXX scratches of XXXX '' each and missing 2nd key. Second key was at home and before returning vehicle to XXXX dealer ( XXXX, VA ) I found a detailing service and performed full car detailing. Once I return it to the dealer- dealer told me that car in very good to excellent condition. 

However, once I received your final bill- I was shocked .... 
1 ) You charge me for key that is not missing ( XXXX from lease return group validated it with dealer ) 2 ) Please open the scratch images ( you should have them ) and justify why it should cost me {$450.00} 3 ) Why you charge x10 than it 's in the bill for parking violation - see attached bill 4 ) Why you charge ~ {$150.00} more for property tax 5 ) Why you obligate me to purchase vehicle by charging {$400.00}, is it US consumer rules acceptable????
I have a public record on my file that did n't belong to me but whoever used my SSN fraduently managed to get and my wages were garnished to pay it off. I 've disputed this to have it removed as it 's not mine originally but was paid in full and released by me XXXX and XXXX have deleted it but Equifax will not
I got with a New Inquiry from Santander Bank Na on XX/XX/2018 from XXXX. I noticed this through XXXX XXXX on my XXXX  XXXX online account. Around XXXX I called up both companies about this fraud situation and both said they would remove it. I than had called a second a third time. I want to say new years day last time I spoke to with both companies and both would assure me would come off in 7-14 business days. Nothing has ever come off.
I
've disputed this info with the CRA 's and they were required to # 1 put the notice of dispute within 30 days of receiving my 1st dispute which they did n't and # 2 the info on my credit report is required to be accurate and complete. Each of the accounts that I have disputed are now missing the original amount. All 3 CRA 's are stating these items have been verified but I can see that none of them have the notice of dispute like I mentioned and I 've seen that none of them have
have the original amount as required. In addition, where 's the proof that any investigation was done?
I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2016 I noticed a collection on my credit reports from Midwest Recovery Systems for {$2200.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$800.00} and I paid most of that back.
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since XX/XX/2002 till present. 
XXXX, XXXX XXXX, AND EQUIFAX made my life miserable. 
I can not refinance my house loan since XX/XX/2002. 
I can not cash out since XX/XX/2002 till present. 
As a Mortgage Broker I can not do " A '' loans for my clients because of the damage the servicers have done to my credit. Their damages to my credit suggest that I have bad credit, which makes me ineligible to help clients who have good credit. I have to buy Bond as an out of pocket expenses to be in compliance.

They have defamed my character with false reports.

Credit card companies will not approve me.
Comenity Bank approved a XXXX XXXX VIsa card for me on XXXX/XXXX/2017. I had made online purchase at XXXX which was approved. I received the card and setup my online account/access. When I tried to use the card it was declined. I thought I did n't activate correctly so I activated it again via the online process. Both the online and voice status of the account indicates that the account is active ( as of XXXX/XXXX/2017 ). Tried to use it again and was declined. I called the bank again and spoke with a bank agent. They told me the account was closed but could n't give me a reason why it was closed. They said a letter was being sent. I finally received the letter from Comenity Bank and it said it was closed due to too many credit inquiries. The credit bureau referenced was different from the XXXX that they pull to approve my initial card application. When I received the card from them, there was no disclosure to what credit score or bureau was used to approve my account and determine the account APR. I have many other accounts with the bank with XXXX late payment history. I have a 3 year good payment history with the bank. In fact I have always paid any account balance in full upon receiving a statement from them. They should not have approved the account to begin with if they were going to turn around and close an approved account.
At or around XX/XX/XXXX, I purchased {$5000.00} bitcoin from coinbase using my atm debit card, not realizing I had a {$3000.00} spending limit. This transaction caused my account to be locked as my bank, XXXX, responding with NSF. The account was not unlocked even after the remaining balance was paid for 1 week. In the process of attempting to unlock the account, I wired {$10000.00} into the account and placed a stop payment as that also did not unlock the account. The account was unlocked around XX/XX/XXXX, and locked again around the XX/XX/XXXX. For two months they held more than {$17000.00} in my XXXX   account. Coinbase and XXXX are the same company, one being an online wallet, and the other being a currency exchange. The money they said I owed, they already had enough to pay for it in an alternate account with them. The way they've reconciled the account has been to collect all remaining coins in my account and every other coin which has exceeded the XXXX  they say i owe them. So while my account stayed locked, I've missed multiple opportunities to double and triple that money they held unduly restricted and made money off my money as stated in their terms and conditions.

I would like my account unlocked immediately as this restriction of funds has caused a series of events that has led to serious financial hardships for myself and my XXXX  kids.
i was notified by my credit monitoring service that there was a new collection on my credit report. I reviewed my credit report and found that it contained a collection from Commonwealth Financial. At this point, i had not received any phone calls or letters by US mail. I looked up the company on the internet to obtain there phone number. I contacted the company and spoke with a representative and was informed that I owed a hospital bill from XX/XX/XXXX from XXXX hospital. I asked them why I had not received anything in writing about this and they said they would send me a validation letter. I then filed a letter with Commonwealth Financial stating that they needed to send me validation of the debt from the original creditor showing the itemized bill. this was on XX/XX/XXXX. I have since been harassed by them by phone and have requested that all collections be stopped against me due to the dispute. They have failed to report to XXXX, XXXX and XXXX that this debt is being disputed by me. I have also emailed them a letter from the original creditor, XXXX hospital, stating that i have a XXXX balance with them. I have on numerous occasions tried to contact them on the status of this dispute and have got the run a round about it. I have requested that they remove all information from the credit bureaus while this is being investigated and they refuse to do so. they told me they have 30 days to validate the debt but have failed to do so as of yet. This company is clearly violating FCRA laws by not informing the XXXX credit bureaus that this account is in dispute. XXXX XXXX with Commonwealth Financial will not respond to my phone calls. He is the person that is supposedly handling my account with them. i would like this removed from my credit report immediately or legal action against this company will be taken on my behalf.
GreenSky Credit has mismanaged a line of credit that we applied for but never used. GreenSky processed a fraudulent/unauthorized transaction from a merchant and did not even follow their own procedure for an authorized transaction and is now trying to make us responsible for the full transaction ( {$18000.00} ). Over the course of 60 days we have made numerous request in writing and by phone to have this unauthorized charge remove. Their position seems to be that a self-serving document from the merchant is what they are acting on even though we never authorized any transaction by any means at any time and they can not produce any evidence that we ever wanted this transaction. My wife and I have tried patiently over many months to work with them but they are refusing to charge back to the merchant and properly zero out our account and close it permanently as requested numinous times. We have extensive documentation to support our position and to refute any rational they may offer. 

Please help us. 

Sincerely Yours,
I have been paying on this loan with NelNet for 13 years. The original loan was for {$16000.00}. I have paid {$13000.00} yet the current balance is {$13000.00}. Recently I began to pay the interest amt shown plus an added {$100.00} hoping to see the balance go down only to find that it went UP instead!

Since interest accrues daily, the moment I make a payment, it's applied in such a way that the principal rarely changes, then interest eats up whatever I paid.

I'm sure I'm just wasting my time in submitting this complaint but I'm XXXX  years old & my income is only SS. It's wrong that despite paying all these years, the loan balance has barely changed. That means I'll NEVER be able to pay it off. I can't get another loan to pay it off & from what I understand if I can't make payments, my SS will be garnished, meaning I can't pay my rent & utilities, etc.

Knowing that everyone who's a victim of this lender is in the same boat doesn't make me feel any better. Frankly, the Dept. of Education has done a great injustice to all of us XXXX  enough to take out a student loan.
i bought a car and it was financed through XXXX, who sold it to santander consumer usa. i am ahead by 4 payments and this company is stealing money from me. being ahead 3 payments, they claim i was past due, how that could be i do n't know. I opened a complaint with the office of the president and have never heard anything back from them. Since the account showed past due i did n't want anything negative on my credit report so i made another payment, which made me 4 payments ahead. they took the whole payment and applied it to interest that has n't even accrued yet. So in short they are stealing from me and right in front of my face. I was told by a representative in the office of the president that its standard practice to to collect interest that has n't event accrued yet, which is theft.
On XXXX XXXX, 2017 I cashed a check at XXXX XXXX XXXX in XXXX RI for {$300.00}. This transaction had a {$15.00} fee which I agreed to pay for a total of {$310.00}.
However, the check cashing company, Telecheck Services Inc. XXXX XXXX XXXX, XXXX XXXX Tx overcharged me and debited {$330.00} cents from my checking account at XXXX XXXX XXXX. When I noticed this extra, unauthorized charge of {$15.00} I contacted my bank and asked to withhold that {$15.00} from the payment to Telecheck. The bank reviewed the transaction, and stopped/withdrew the WHOLE payment of {$330.00} until the transaction is corrected. Meantime, I have been contacted by a collection agency for Telecheck demanding full payment of {$330.00} and refusing to correct the problem. My multiple attempts to resolve this issue ( calling XXXX XXXX and Telecheck ) are not being addressed. XXXX XXXX referred me to Telecheck and there I am not assisted at all ; the call goes to XXXX where the customer service agent " XXXX '' i.d . XXXX was incapable of understanding that this was a mistake I wanted to resolve and when I requested to speak with a supervisor refused to transfer me to a supervisor or anyone else and to provide me with a corporate address for a complaint. This individual issue also raises the possibility that this company is making many " mistakes '' to their customers transactions and possibly illegally profiting by them. Please assist in resolving this issue and review their number of accounting " mistakes '' that always are in their favor.
I submitted a dispute to Equifax on  XXXX   XXXX ,  2017    to have an incorrect and unverified bankruptcy that is on my credit report removed. I have disputed this inaccurate information that is on my Equifax credit report time and time again. It can not be verified, it is not my account and is inaccurate. It is now pass the 30 day mark for investigation disputes and pass 45 days. I demand that Equifax remove this record from my report immediately.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY!
In XX/XX/XXXX total I purchased 3 vehicles from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX phone # ( XXXX ) XXXX ; of the 3 vehicles 2 of them was financed. In XX/XX/XXXX i noticed that the dealership and all the others had gone out of business. I had been making payments on time each month and after XX/XX/XXXX i  noticed i stopped receiving emails of my payment conformation so I called and spoke with a worker who told me that XXXX XXXX now owns the loan! I was shocked because I had not received any notification from XXXX XXXX that they was going out of business nor any intent to sell or transfer my loan to XXXX XXXX. in addition my vehicle had many issues with the radiator rendering it inoperable for the 1st month and a half and i recently had more radiator issues as well.