WillisBack/dataset-financial-user-claim huggingface dataset:
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. Included in the bankruptcy on, Official Form XXXX XXXX were three student loan amounts held and/or managed by XXXX XXXX/Nelnet : {$10000.00} Nelnet Claims XXXX XXXX XXXX XXXX, NE XXXX  Opened XX/XX/XXXX- Last ActiveXX/XX/XXXX {$310.00} Nelnet Claims XXXX XXXX XXXX XXXX NE XXXX Opened XX/XX/XXXX - Last Active XX/XX/XXXX {$330.00} Nelnet Claims XXXX XXXX XXXX XXXX, NE XXXX Opened XX/XX/XXXX Last ActiveXX/XX/XXXX Total of Nelnet loans {$11000.00} The above were included on the Matrix of Creditors in aformentioned Bankruptcy filing submitted to the court on XX/XX/XXXX
*** According to Official Form XXXX ( For Individuals or Joint Debtors ) Notice of Chapter XXXX Bankruptcy Case No Proof of Claim Deadline : " Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk 's office within the deadlines '' Dates : Meeting of creditors - XX/XX/XXXX at XXXX XXXX - No representative from Nelnet/XXXX XXXX XXXX  attended the meeting Presumption of Abuse - Deadline to object to discharge or to challenge whether debts are dischargeable : Filing deadline :XX/XX/XXXX Deadline to object to exemptions : Filing deadline : 30 days after the conclusion of the meeting of creditors Deadline to object to intended abandonment : Filing deadline : 75 days after the conclusion of the meeting of creditors *** According to the " Certificate of Notice '' Form ID : XXXX - Notice by first class mail was sent to Nelnet by the Bankruptcy Noticing Center on XX/XX/XXXX.
A discharge was granted by a United States Bankruptcy Judge *** Nelnet/XXXX reported to all three reporting agencies that the balance on the three Nelnet/XXXX loans was {$0.00}, they were discharged in Chapter XXXX Bankruptcy, and " Closed - Derogatory ''.
The reports reflected this status for multiple months. During the same months, no statements for any loan are available. I inquired about the statements when I discovered the three student loans had reappeared with a balance on my credit report.
+++ I have had discussions with Nelnet, XXXX XXXX XXXX XXXX, and the three credit bureaus. Nelnet has given me the runaround and says to check my statements. There were, however, no statements for the months that the loans showed up as Closed {$0.00}. I requested from Nelnet that they provide all statements for the year ofXX/XX/XXXX.
The request was denied through an email that literally said " ... your request has been denied ... 

I was unable to get any explanation as to why they would n't send the statements. 
The same as above is true for XXXX as well. 

One of the other credit reporting agencies, XXXX I believe, did follow up on their investigation and stated the erroneous information had been removed and my report changed to reflect Closed {$0.00} for the most expensive loan. 

I 've tried several times to communicate with all involved parties and have gotten nowhere I have additional information if needed Thank you XXXX
This Vehicle was purchased XX/XX/XXXX. I asked the dealer was there any issues with the vehicle. He stated that he had it service and it was good to go. Day one of having this vehicle the check engine light kept coming on. I contacted the dealer and had me to take the vehicle to XXXX XXXX. They stated that it was the Throttle Body. They allowed me to leave it and they repaired. The vehicle was sent to XXXX XXXX   several time and issues remained. I received the vehicle back with the same issues and was took back to XXXX XXXX several times. Issues was never fixed nor did the check engine light go out. The dealer sent the truck to another service company and they found other issues. The dealer made me purchase a warranty XX/XX/XXXX( XXXX ) and it took forever to fix the vehicle and I had to rent a rental car for a long period of time. The check engine remained on. The vehicle had to have transmission rebuilt ( XXXX ). Now the vehicle is in the shop again for Engine misfire. The coil, spark plugs, wires and all have been replaces. The issues still remain. The serviceman stated that the motor and or fuel rail has been swapped out. The service man is stating that we can either get a cam shaft ( XXXX  ) or engine ( XXXX ) I still have a loan in the amount of XXXX on the vehicle. I contacted the dealer and explained the issue to him and he suggested that I purchase another warranty. I explained to him why would I do that after hearing that the motor and fuel rail has been swapped on this vehicle. I have put so much money in the lemon to where it could be half way paid off. Before purchasing this vehicle I explained to the dealer what I wanted and he promised me what I asked for. There has been issues since purchase and dealer wouldn't trade it out for nothing better. This vehicle has put me in a hardship to where I can barely pay my bills, daycare, car note, insurance and etc.
I made a FDCPA formal inquiry into XXXX AKA XXXX XXXX as well as XXXX. My formal request for the information that is due to me ( by law ) was sent via certified mail. After no response for more than 30 Days, I submitted this information to all XXXX credit bureaus, as The information was on my credit report illegally according to the Fair Debt Collections Practices Act. I sent copies of the formal requests for information AND copies of the certified mail receipts. I will attach those documents to this report as well. 

At this time i would like to know if Experian is depriving me of my consumer rights under the Fair Credit Reporting Act. 
And I have received no communication from XXXX OR XXXX regarding this matter so can you please investigate this as well. 

If these companies are found in violation I believe I am due {$1000.00} per occurrence. 

Thank you very much for your time and diligence in this matter. These ILLEGAL negative items on my credit are creating financial hardship - I am a XXXX Veteran and I am on a fixed income. I would like these Bureaus held accountable if indeed I am correct.
pinnacle credit has reported a debt from XXXX wireless without providing proof of debt I do not owe this debt and I have contacted XXXX they have no records of the debt, pinnacle will not send proper proof of the debt. The credit reporting agencies refuse to properly verify they simply take the word of pinnacle who have been sued numerous time for illegal debt collection practices.
I contacted XXXX  and told them my address is XXXX XXXX XXXX XXXX XXXX SC XXXX and my name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX yet they told my 47 companies are reporting my address and XXXX XXXX XXXX XXXX which is across the street and these companies send mail to XXXX XXXX XXXX XXXX not XXXX XXXX XXXX and I have never address anything XXXX XXXX XXXX XXXX Need help correcting this. One the company One main is reporting me with a repo and charge off when the car was total in XXXX of 2018 it was not my fault XXXX XXXX did not pay car off until XXXX or XXXX and then they charge it off in XXXX and sent me a bill in XXXX for balance how backward is that. I would like for it to be corrected because it cant be both totaled and repo/charged off
I have been working diligently with Select Portfolio Servicing to preserve my home since XX/XX/XXXX. I applied for the request for mortgage assistance ( RMA ) on XX/XX/XXXX. The process was 3  months, and I was denied the RMA. At one point, I waited for over three weeks to get a response from my relationship manager, XXXX XXXX ( **email dated XX/XX/XXXX ). I work closely and regularly with XXXX ( **emails titled My email Correspondence XX/XX/XXXX- XX/XX/XXXX ). The emails will show my due diligence and the lack of communication from SPS, to genuinely assist me in preserving my home. At the same time, I was receiving a barrage of mailings daily from SPS ( **email dated XX/XX/XXXX ). I sent an email to XXXX stating this was redundant, causing confusion, and stress with no response from her. In addition, I sent an email ( **dated XX/XX/XXXX ) asking about these erroneous charges to my mortgage account. I sent an email ( ** dated XX/XX/XXXX ) asking why a {$100.00} pyt. I made in XX/XX/XXXX was not applied to my mortgage and why there was a {$15.00} fee, and XXXX explained the fee is for a drive by. They are aware I am living at the property. I sent email ( **dated XX/XX/XXXX ), because I did not receive a scheduled call from XXXX . I received two mailings ( **XX/XX/XXXX & XX/XX/XXXX ) and a call about an outreach event in XXXX XXXX . I informed the caller, my RMA was denied in XX/XX/XXXX. I received a certified letter from SPS ( **XX/XX/XXXX ). I have returned every message/call I received promptly. I emailed XXXX ( **XX/XX/XXXX ) about harassing phone calls ( XX/XX/XXXX & XX/XX/XXXX ) about my account being in default. I informed the SPS Rep. that I have been in close contact with XXXX. I sent an ( **email on XX/XX/XXXX ), questioning why my {$600.00} pyt. was not applied to my XXXX statement. I received another call ( **XX/XX/XXXX, XXXX XXXX ) after I filed a complaint regarding these calls. I informed the Rep ( XXXX ) I was working with XXXX. The Rep informed me, my acct. was on auto dial And, If I remove my number, there wouldnt be able to contact me. She questioned me about my intentions for the property. In addition, I have received three SPS letters ** ( Add Date ) The {$600.00} and {$300.00} payments were not automatically applied to my XXXX and XXXX payments on my Mortgage Statement ( ** XX/XX/XXXX ), as I was informed by XXXX.
Hello, I have called the company in efforts to resolve this. I was charged a late fee on XX/XX/XXXX in the amount of {$37.00}. The problem is that I made a payment on XX/XX/XXXX. This payment did not apply to the previous cycle and fell within that cycle, so why then was I charged a fee in XX/XX/XXXX and XX/XX/XXXX?  The fee charged in the amount of XXXX is in error and should be credited. The representative on the phone would not listen and could not present information as to why this happened. I asked to speak to a manager and was told one would call me back. I have not heard anything back at this time. 

XXXX XXXX
I got behind on my mortgage as a result of a long drawn out divorce and the resulting financial struggle. I had applied for a loan modification XX/XX/2016 and was told that I would have a temporarily reduced mortgage payment for four months and if I paid that amount on time for four consecutive months then they would send me the paperwork to make that amount permanent. When I purchased the home I was married but the mortgage was in my name only. The loan was in my name only. Due to the community property laws of Texas, my then husband was on the deed. I divorced him and as a result of the divorce decree, I was given the home and a special warranty deed was done to remove him from the deed. After my four month trial period, paperwork was sent with my name spelled incorrectly. Then they resent paperwork but had my ex-husband as co-borrower. I not only explained the situation but provided the documents. They said that XXXX XXXX required that although I called them and they said it was not true. The rule states that the ex is is required unless he is deceased or removed from legal liability. I provided the documents but they would not recognize them. I tried for months to get this resolved and then XX/XX/XXXX I was told it was a final decision and that I did not qualify without him becoming indebted for my house. I have been through several representatives and supervisors. I wanted to keep my house but feel like they are stealing it so they can keep the {$10000.00} I paid up front and re-sell it for more. Nationstar has been extremely difficult to deal with. Initially I could not get anyone to talk to me. The automated system sent me to a recording based on my account. I even drove over to their offices at one point. Then I asked for supervisors and got the run around and they would not even listen to common sense. It was as though just reading a script and not thinking at all. I have been told that it the title company or legal office who draws up the loan modification paperwork is the one that decides what documents are required and that most likely the problem or block is there and not XXXX XXXX.
IU was contacted by " portfolio recovery '' about a debt I " owe to XXXX from a XXXX  card ''. I have never recieved paperwork or any means to verify, and the associate on the phone told me I could not receive anythiung unless i gave him my checking account # and a routing #. I was told repeatedly this is the only way I could see any of those records. I really want to get rid of this debt but am scared I am being scammed and cant figure out how to verify anything
XXXXAmsher Collections Services Inc. 

This is the second time you have violated the law and myself. YOU DID THE SAME EXACT THING IN XXXX. IS THIS HOW YOU ATTEMPT TO COLLECT ANY DEBT? BY NOT VERIFYING THE DEBT STATUS, AND NOT CONTACT THE DEBTOR TO MAKE ANY ARRANGEMENTS TO PAY. Not once did you try to reach out to me to attempt to collect any debt or advise an collection status. I do understand your FOR PROFIT Debt Buyer Company buys unknown unverified debt in turn to make a profit. This must stop. I need notification today this fraudulent COLLECTIONS STATUS is removed. 

Why does AMSHER waits to I pay the medical Bill in full only to place the current account in collections????? PLEASE ANSWER I am in receipt of the collections practices and correspondence made by Amsher Collections Services Inc. This Account has been paid in full since XX/XX/XXXX, and you have still ignored my payment. As of XX/XX/XXXX I have received several credit bureau alerts IAO {$110.00}. Regarding allege records of nonpayment to XXXX XXXX XXXX by myself. 
In conclusion it is my position to dispute Amsher Collections Services claims are entirely without merit. Amsher Collections Services Inc. must correct their records, and remove from the collections process FROM ALL THREE CREDIT REPORT AGENCIES. 

FYI, Amsher Collections is only known as a Debt Buyer with no actual proof, debt validation, or payment history really exists as the CFPB does not accept these kinds of violations. You have until Today to remove the collections from all Bureaus you are reporting inaccuracies. We are will filing suit against your For Profit Company AKA as a Debt Buyer Company, and involve several third parties to insure you comply, and recover any financial compensation by law. I request you send me confirmation you have complied with my request. 

Please see attached supporting docs and dispute letters are in transit to multiple agencies to insure you comply with the law. DOCKET IS FILE! 

FYI, Please respond to all to insure your complying with my request TODAY. Copied is my Attorney, CFPB, AL State Attorney General
I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED EXPERIAN IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT. THEN THEY LIED AND SAID THE ACCOUNT WAS NOT ON MY REPORT. CLEARLY IT 'S STILL THERE AS MY DOCUMENTATION SHOWS. LIARS.
Prior to the   XXXX   recession, I was issued  a Discover Card w ith a limit around  XXXX . I was employed at the time, able to make payments. A week or  two afte r receiving the card, I received a call from a telemarketer selling Discover Bank 's protection policy. I was reluctant until the lady started going through all the benefits. I drug my feet, then she said that if I ever lost my job, through no fault of mine,  That  Discover Bank would pay off the balance owed on the card. In   XXXX   I was let go from the company I worked for due to the economy. I was also having health issues which prevented me from obtaining further employment, which at the  time20 %  of  XXXX  was out of work. I filed for Social Security  XXXX  which took over 3 years to complete.  XXXX  is my only sores of income. I currently live on the   XXXX   XXXX   in Oklahoma of which I am a tribal member.   Discover Bank filed suit in    XXXX   XXXX   NE . I received the summons, wrote a reply back to the Judge and then never heard another work until I received a notice in the mail that a hearing was held that I knew nothing of so the Judge awarded Discover Bank what they were asking for. I went back to visit with th e Judge  stating my side of the story and to remove the judgement. He said it was too late to remove it. He gave me all of  ten min utes of his time and then excused from the courtroom leaving me standing there before he heard all of my side of the story. I 've tried to get Discover Bank to dismiss the judgement but they will not budge. After doing research on the internet, I found complaint after complaint concerning Discover Bank operating practices. I 'm not the only fish in the barrel it would appear. There have been class action lawsuits against Discover Bank concerning their protection plan. We are at a stalemate. They can not garnish my  XXXX  payment and I am holding them to their word. Plus I have not the funds to pay them back. I am a product of the   XXXX   recession in bad health being held  hostage by a disreputable bank. The bank a long written off the debt, selling it to bill    colle  ctors for what eve r they can get.
Trying to dispute the report that I have been late on payments. Can not seem to dispute this item on Experian, which is listed under negative items. Also, there are duplicate accounts listed on my report XXXX. which are closed and exceed the fair credit reporting time period. Please remove these items from my credit report.
Theyve been constantly taking the amount of {$26.00} out of my account quite some time now and I was told itll be XX/XX/XXXX once Im through paying I would like to stop these payments from coming out of my checking account please here are a few dates showing where its been taken out XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and etc
I am two payments behind on a mortgage on a 3 family house, but have otherwise been paying.

Seterus ' representative was taking pictures of my house and actively engaged my tenants in conversation. They willfully lied to my tenants telling them they should get out immediately because the house was being foreclosed upon ( not true ).

Seterus is NOT helping mortgage customers, but actively CAUSING financial hardship and foreclosure by encouraging my paying tenants to leave - by LYING to them!

Loan sharks have more subtle methods.

Their tactics are totally ILLEGAL. 

They need to be fined. 

Insane!
i took my parents out to dinner and to make a long story short, originally i was gon na pay by my card ... hence the swipe but i changed my mind. thats still allowed right, to change my mind right? so when the waitress came back, i had told her that i would be paying cash, where i was given both receipts and told by the waitress that the bill would be voided off at latest the following day at which point, i gave her a cash amount for the bill which was XXXX dollars and change and additional cash for her tip. at this point some days passed and i called up chase bank and filed a dispute for the amount wasnt ' voided off my debit ... at that point if you were the mediator, chase bank, it would be an easy situation to decide right? considering the XXXX by law is mandated to keep a copy of all charged receipts for a time of two years, just in case their are misunderstandings like this one. its simple, either im lying or not. if you were chase about two months later, wouldnt you of requested from XXXX a copy of my signed receipt authorizing the debit charge and if XXXX cant furnish a signed copy, then this dispute becomes easy right? what a way to treat your clients, like s.it! i have been yelled at, basically told to XXXX by chase bank. everything and anything, to tell me to buzz off and to make this complaint a wee tid more interesting, i sent via usps certafied tracking to chase hq in XXXX XXXX a copy of both unsigned receipts given to me and they still havent so much as written me a letter except when i called and got yelled at like a two year old to be told your dispute has been denied, so i go i wan na appeal, i get hung up on. its simple, excuse me XXXX in XXXX XXXX in XXXX, we want a copy of his signed authorization, oh you dont have a copy, hence two months later. 


client XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX : chase bankdebit dispute for cash payment given to XXXX @ XXXX
This complaint is regarding a mortgage loan I had with TCF Bank. Due to financial hardship, in XXXX of XX/XX/XXXX I received a loan modification refinance through TCF Bank. During the modification process, I was never informed of the charges of the refinance or what amounts/charges were included on the loan, even thought I asked. The day I signed the refinance modification documents, I was not given any explanation of the charges, only the interest rate and the mortgage monthly payment amount which I was happy with since it was going to be very low compared to what I was previously paying. There was only a few pages that I had to sign, very vague thought. 
Since I received my loan modification, I had been making timely monthly payments to TCF Bank, never receiving monthly statements from them or any other type of communication until my loan was sold to XXXX XXXX Servicing on XX/XX/XXXX. 
In XXXX, I received a mortgage statement from the new mortgage holder, XXXX XXXX XXXX stating that I owed {$2400.00} in late fees. Apparently TCF Bank had transferred this amount to them when they purchased the loan. I was in shock, very surprised when I saw such amount, why is this coming up now? - more than XXXX years had passed since I got the loan modification and nothing had been mentioned by TCF bank since then, I never received any notification charges from them, so why was this happening now. 
Late fees were accrued when I fell behind on my mortgage prior to obtaining my refinance, there should have not been any charges going forward as everything should have been included in the loan amount which according to the loan amount, those late fees were included and waived, at least that 's what I thought. 
I have been disputing these fees with XXXX XXXX XXXX and I have also contacted TCF Bank, my previous mortgage holder so they can fix the issue or mistake with XXXX but they have ignored my communication. 
I am at a loss and I do n't know what to do. I feel that I was deceived by TCF Bank, they were not honest and straightforward with the refinance and charges and they found an easy way out, sell the loan. 
Very disappointed and unhappy consumer