WillisBack/dataset-financial-user-claim huggingface dataset:
i took out a student loan in XXXX for {$8000.00} from XXXX. after paying on this loan i still owe {$7200.00}. i filed bankruptcy in XXXX and was told could not file this loan because it was a student loan. am XXXX now and on fixed income. told could not do loan forgiveness because it was a private loan through Bank Of America. i have paid a total of {$7400.00} which all but {$200.00} went to finance fee, late charges, and something called int capitlztn. what can i do about this problem? can you help me with this. i have paid for 10 years and can not do it anymore due to my fixed income ...
Credit reporting agency is reporting fraudulent information on my credit report. 
The credit agency removed a fraudulent address from my report. 
( FRAUD ADDRESS- XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ) ( Correct Address - XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX ) Accounts associated with FRAUDULENT address : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/XXXX
I have XXXX judgements against me. At the time of service I had medical insurance to cover me. Instead of my insurance being billed I was directly sued by the medical provider. I 've contacted the XXXX and XXXX XXXX about this matter & was given proof that I had insurance coverage at the time of of service. I sent a written letter to each credit bureau with a copy of proof of insurance at the time of service requesting they remove it immediately off my credit and they have yet to do so. Please help me because I 'm being denied credit cards home loans and renting a place because of these derogatory remark.
My issues with XXXX  go back to just about the first day I graduated college and had to start repaying my loans. Their customer service is an embarrassment, as their reputation will show if you do 5 minutes of research into their customer reviews on various websites. Firstly, their website is completely inefficient and more often than not, the password you set up does not work. When you attempt to reset the password by entering your social security number, it does not work. When you attempt to find out how to contact somebody who can help you, there is no information that is well spelled out for you. 

In XX/XX/XXXX, I was in my second year of paying my student loans. I had never once missed a payment. I received a bonus at work, and decided to use it to pay a few months worth of my loan right away. I contacted XXXX  customer service -- -the number took me about 20 minutes on their website to track down. I asked the customer service rep if I paid 4 months worth of the loan in one shot if they could simply use the money that was over the payment amount to pay up the next 3 months and continue my regular payment cycle once that was complete. The customer service rep assured me this would be done. This did not happen. They applied everything to principal without notifying me. How did I find out? 2 months after this phone call, my parents home equity line was frozen because XXXX reported that I " missed a student loan payment. '' Since my mother, a teacher, was a cosigner, it froze my parents home equity line in the middle of a home renovation. It took us 5 weeks to rectify this. I had to beg and plead with XXXX representatives to send a letter of goodwill to the credit bureaus to rectify this. It stripped myself and my parents of our dignity as working people in the process. 

In recent years, XXXX was sold to XXXX XXXX XXXX. This was NOT made clear to anybody and my password yet again did not work. I attempted to recover, and nothing worked. I attempted to call and ask for help and they " could not recognize my social security number. '' In XX/XX/XXXX, I needed to save money for my wedding and a few financial emergencies that came unexpectedly. I called XXXX to attempt to get on an Income Driven Repayment plan and received no help. I kept being told I would receive an email to sign up -- that never happened. I expressed to them calmly, " I simply can not afford this loan payment for the next 6 months. Will you assist me so that this 6 month period does not destroy my financial future? '' I was met with silence. Out of frustration, I hung up. If this company hadn't ruined my credit, I would refinance -- -but why would I risk applying to refinance? To date, I still have not been able to recover my password. Their password reset system does not recognize my social security number -- -what an embarrassment of a company. 

This company is hands down the single worst company I have ever dealt with. They are everything that is wrong with the American economic system and they need to be held to account.
The credit bureau is refusing to remove a collection account on my credit report that does not belong to me. The account number is "  XXXX  '' and it has a past due balance of {$11000.00}. I have never had any business dealings with  XXXX   XXXX  and in all of my disputes, I have never been provided with supporting documentation to validate this debt. The credit bureau provided with me  XXXX   XXXX  's contact information in their response letters and after having called multiple times, they can not find any record that matches my personal information for this past due debt. Since I am not the person who created this debt,  XXXX  is refusing to send me any documentation to validate my claim and remove this from my report. Thus, I am stuck and the credit bureau is continuing to report someone else 's account on my credit. I need this to be deleted from my credit as soon as possible.
A child support agency in North Carolina sent information to Credit Bureau ( Experian ) for child support arrears in ( XXXX XXXX XXXX and only after i applied for a modification of my orfer. Before this i was never reported to thus or any other credit bureau ... and these arrears are from the year XXXX. 
Before XXXX and before i applied for modification ( nothing was ever reported ) this is retaliation due to friction that we had while in court. 
My EQUAL Protection Rights were violated as well. Due to the fact i never was notified that i was or could be reported to credit bureau or any such notice. I havent missed a payment in years. ( they Garnish my SSDI ) check and hv sone so for years..at least. For the last 6 years now. 

I contacted the child supporr agency and spoke with Supervisors as well as The Deputy director ( XXXX XXXX XXXX ) phone # XXXX XXXX who looked into the case..my case and agreed that i should not been reported to Credit Bureau XXXX The court order never stipulated this and ( again ) i was never given notice of any impending sanctions. 

XXXX XXXX instructed her subordinate XXXX XXXX XXXX to recode my case file as to not be reported to the Bureau from here on out. XXXX XXXX notified me at the beginning of ( XXXX ) That it had been recoded and wouldnt be reported any longer. Her # is : XXXX XXXX XXXX XXXX. I have disputed this With Experian in XXXX and XXXX. To know avail. I on the second dispute even updated them on the recent discovery and that i had spoke to the Child Support deputy Director, who ordered my case to be recoded to not ..or no longer be reported. I even Provided Experian with her name and Phone no. As Well as they were calling the wrong agency Prior to this. They never called XXXX XXXX. And still continue to Report my Child Support Arears. Wwll nit actually reporting any new or up to date info. BECAUSE the Child Support Agency is no longer reporting my case. So now it looks as if im NOT paying my Child Suoport at all because no updates will ne reported by Child Support Agency. And Experian refuses to take past info reported off of my report.
My private loans have been sent to an outside collector named Allied Interstate. They call multiple times a day, they were verbally abusive, and threatening when I had spoken with them. They call all hours of the day, and interrupt me while I am working.
On XXXX/XXXX/2015 I received ACH transfer of {$7200.00} directly into my checking account XXXX into my Wells Fargo checking account. These were good funds. As of XXXX/XXXX/2015 these were my exclusive funds. No other issues with any aspect of said account. On XXXX/XXXX/2015, without any authorization from myself nor anyone in my behalf, notice, request, information, advance or post discussion or letter, call to me Wells Fargo debited my account with the same amount of {$7200.00} and claims to have returned to the original depositor. I have requested multiple times an explanation if such debit was for any specific valid legal reason, or court order, etc, but received no explanation from Well Fargo. Since these funds were exclusively mine after XXXX/XXXX/2015 no one else had the right the debit my account for such or any other sum.
Hello, I had a credit card that had a 0 % interest until XX/XX/XXXX ; on XX/XX/XXXX I paid it off in full. Or so I thought. I miscalculated and was short {$27.00}. Upon which, the company charge me the full interest of the total amount outstanding, which is over {$800.00}. That can hardly be right?
I am on XXXX as a result of XXXX established XXXX XXXX, 2009. My benefits have been actively garnished by Texas XXXX since the end of last year, and I applied in XXXX of this year to have it dismissed when I learned that I was eligible to do so, and I included a copy of my original paperwork and current printable proof of benefits provided online by XXXX. In late XXXX, I received a letter from Nelnet ( and XXXX ) instructing me that my loan application for dismissal was denied because I had not provided them with the required paperwork. To my knowledge, I had provided Nelnet with the proper paperwork. I called them and was informed that I must provide them with additional paperwork/paperwork which does not exists, or a written letter from my doctor proving I am XXXX. I called XXXX and was told that XXXX provides paperwork upon request specifically for this purpose / that I am not the first person to encounter this problem. I received the promised paperwork from XXXX, and I immediately forwarded it the following day electronically to XXXX. Today I have received another letter from Nelnet once again stating exactly the same thing : that my application has been rejected because I have not provided them with the required paperwork. At this time, they are still taking funds from my permanent XXXX benefit every month, I have provided Nelnet with legitimate paperwork from XXXX that should be above and beyond what should be required to prove my permanent XXXX status, and yet these organizations are still refusing to acknowledge the legitimacy or sufficiency of the official paperwork that I have provided to them or to dismiss the loan. Is there anything that you can do to help me, or advise me in this? Thank you.
Trying to get a payment history to see if payments have been properly applied to account. Representative has stated company does not send out that type of report.
1 ) My mortgage loan was with GMAC but now Ocwen take over of the loan last year. Since they are taking over, I been charge XXXX times and XXXX on the escrow acct just for the taxes. I call them so many times to resolve that issue and they response is " we are going to do a review '' but nothing happen. My taxes is only {$1000.00} for the years and they are collecting each month {$230.00} that is a total of {$2800.00}. When I call them XX/XX/XXXX to address the issue they told me any extra money left for XX/XX/XXXX they will return it to me but until now I did not received nothing. They did it for XX/XX/XXXX and now they are doing the same thing for XX/XX/XXXX. I am asking them what they are doing with the rest of the money that sitting on the acct but they can not give me an answer. Right now for the month of XX/XX/XXXX, I am already reach the amount for my taxes to be pay. I like to know at the end of the year, what they will again doing with the rest of {$1800.00} left. I told them that I am struggling with my other bills when money sitting on a account which I do not have no control over. I am really living on a budget because I only survive on my SSI money and a part time Job. I told them in that case I will pay my taxes but no answer from them. 2 ) Also my principal is {$85000.00} and my rate is XXXX and my monthly mortgage is {$900.00} a month. with that rate, I feel like my payment is too high.
I have been working with Caliber regarding a loan modification and have submitted all documents in a timely manner. Since XX/XX/XXXX, I have been submitting all documents on time and within a 3-5 day period to ensure there is no time gap in between. I feel it is completely unfair to now tell me on XX/XX/XXXX that the application can no longer be reviewed because the docs were not received 37 days prior to the sale scheduled for XX/XX/XXXX when on XX/XX/XXXX I was requested to send in documents and sent them in within 3 business days. Why even tell me to send in the documents if they were aware they could not review it? Hence wasting my time when I could be preparing for something else. Now I am worried again about the upcoming foreclosure and do not feel I have been provided with alternatives options to save my home. At this point in time, I do not nor have I ever had a designated point of contact through Caliber nor has anyone reached out to me when I became in default to provide options to save my home. I initiated contact and reached out to an attorney to find out my options and feel my rights are being violated.
I fell behind on my mortgage for two months and attempted to make up a payment arrangements with the company ; however was unsuccessful. When I made a payment, it was returned to me. I received a letter from their lawyer stating that I was in default and property will go into foreclosure if full arrears wasn't paid. I did not have the monies to pay the amount in full. When I called the lawyer office, they did not have a resolution for me other than pay the amount. I called the mortgage company and they suggested that I attempt to apply for a loan modification. I completed the application with the help of Neighborhood Housing Services of XXXX. I received a court date. Filed my answer and appeared in court. Court appointments lasted from XX/XX/XXXX to XX/XX/XXXX. I completed the full application about five times and additionally, continued to send them additional pay stubs, bank statements, hardship letter repeatedly every month. I kept in constant communication with the lawyer who all documents were sent directly to ; however, every month I would receive a letter stating that my modification package was incomplete. Every court appearance was dealing with documents that they did not receive hat I had fax confirmation to sending to the lawyer office. The judge lost his patience and dismissed it for myself and the bank to complete. I felt that filing Chapter XXXX was best to save my home but I would like for a fair chance at modifying the loan and dismissing the bankruptcy. I feel that I was not treated fairly. The communication between the mortgage company and myself was very poor and I feel as if I was given the run around from the beginning. My plan is to remain in my home. I now have sufficient income to sustain ; however, I can not afford to pay the bankruptcy and mortgage and maintain my home. I do not want to lose my home.
My loans have transferred from XXXX XXXX to American Education Services. My complaint is that this servicer DOES NOT provide the information necessary in order for me to manage my loans. The website DOES NOT provide information on my scheduled payment plans, so I have no idea when my payments will be increased. The website DOES NOT provide information on how many months I am paid ahead. The servicer DOES NOT allow for overpayments to be applied to multiple loans in one account. These are ALL basic items that XXXX XXXX allowed consumers to do. This information is needed for consumers to plan and manager their student loans.
Attended XXXX. Was basically told on my last year of school that i had exhausted my Federal Loans, and the only way to continue school would be to pay out of pocket ( which I could not do ) or receive one of their Peaks Private student Loans. At the time i believed that this was for the remaining {$12000.00} of my tuition. 

This loan was filled out in my name for now over {$25000.00} with an absolutely outrageous interest rate. I feel like I am now stuck between a rock and a hard place. They want over {$400.00} a month from a fresh graduate. On top of having to keep current with my Federal Loans. 

I will basically have this loan until the day I die due to the fact that paying into it i still owe more than I did when i even started paying! 

I feel I am the victim of predatory lending and there is no way financially for me to even remotely pay this loan back at the interest rate they provided. % 16 interest. There is NO way i can pay this. 

Ive tried working with them to lower my rate and get a refinance. They will not budge due to my credit score, which is only getting worse due to THEM. 

This is going to affect my young daughters and my life forever and i dont know what to do.
I am a victim of Binary options Fraud in which my credit cards were used to fund a binary options broker so that the broker could use the funds to trade binary options. Two brokers were used : XXXX XXXX and XXXX XXXX XXXX both companies claimed they operated out of the XXXX. The following link is from the FBI explaining how these companies defraud people : https : //www.fbi.govXXXX The following link from the CFTC have put these companies on a red list flagging them for fraud. XXXX XXXX XXXX will be put on the list after the procedure is completed. 
http : //www.cftc.govXXXX The following are dates and dollar amounts : XXXX Credit Card XXXX XXXX Bank of America XXXX/XXXX/XXXX XXXX 4 transactions of XXXX to " XXXX XXXX XXXX '' totaling XXXX - After I reported the fraud to them they credited the money bank to the card. 
XXXX credit cards ending in XXXX and XXXX by Bank of America  XXXX/XXXX/XXXX card ending in XXXX for 1 transaction of {$2500.00} and card ending in XXXX for 1 transaction of {$2500.00} - After I reported the fraud they returned the money back to the cards. 
XXXX Credit/Debit Card by Bank of America but was used as a credit card not debit. 
XX/XX/XXXX - 1 transaction of {$5000.00} to " Bank of Options '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$3000.00} to " XXXX XXXX XXXX '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$250.00} to " XXXX XXXX XXXX '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$500.00} to " XXXX XXXX XXXX '' Money returned after fraud reported. 

The following are dates and dollar amounts for the same transactions to the same fraudulent brokers but money not returned. 

XXXX Credit/Debit Card by Bank of America but was used as a credit card not debit. 
XX/XX/XXXX - 1 transaction for {$10000.00} to " XXXX XXXX XXXX '' Money not returned after fraud reported. No difference, same type of transaction to same fraudulent broker. 
XX/XX/XXXX - 1 transaction for {$5000.00} to " XXXX XXXX '' Money not returned after fraud reported. Same type of transaction to same fraudulent broker.
I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared
I sent Experian a letter stating to review my credit report because there is incorrect information on my credit report and due to the incorrect I would like the account removed they responded saying that they will not investigate and that I would have to go to the original creditor myself even though the law states that they have to investigate the accounts the account are This Account needs to be removed Immediately Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Student Loans Balance : {$0.00} Past Due : {$0.00} Date Opened XX/XX/XXXX Account Status : Account transferred to another office High Balance {$0.00} Limit {$0.00} Terms 120 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

This Account Needs to be Removed immediately Account Name : XXXX XXXX XXXX XXXX/XXXX/XXXX Account # : XXXX Account Type : Federal Government Balance : {$0.00} Past Due : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Mo. Payment {$0.00} Payment Status : Legally Paid in full For less than the full balance High Balance : {$0.00} Limit : {$0.00} Term : 36 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

This Account Needs to be Removed immediately Account Name : XXXX XXXX XXXX XXXX/XXXX/XXXX Account # : XXXX Account Type : Federal Government Balance : {$0.00} Past Due : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Mo. Payment {$0.00} Payment Status : Legally Paid in full For less than the full balance High Balance : {$0.00} Limit : {$0.00} Term : 36 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

I have proof that this is incorrect and I will want this all these account deleted I will attach the date the account was opened and when money was disbursed
I realized today that It was reported on NINE DIFFERENT ACCOUNTS that I had 3 late payment on my federal student loans that were services through Navient then consolidated to another servicer inXX/XX/XXXX. These late payments are reported from XX/XX/XXXX-XX/XX/XXXX. This has negatively effected my credit report for almost 3 years. I went to the National Student Loan Data website to check my monthly statements. Nothing there. I went to the Navient website to look at the detailed monthly payments tab. There was absolutely NOTHING detailing any sort of payment or late payment. I am still not sure if I was charged fees for these late payments because there is no record of them.