WillisBack/dataset-financial-user-claim huggingface dataset:
During my XXXX degree, I was unable to pay for my education in its entirety. At the time, my school advised me to look into loans with XXXX XXXX. The interest rate were reasonable ( not higher than 7 % ) and XXXX XXXX would practically approve ANYTHING! I had no idea that I would be setting myself up for failure once I completed my education. XXXX XXXX transferred my loans to a company called Navient. This company is the epitome of HARRASSMENT. Not only do they call you about payments ... they harass the co-signer as well no matter what time of day. I have even received a phone call from them at XXXX.! The only way to not have Navient call and harass me or my co-signer multiple times a day is to put the loans in forbearance or try to make a monthly payment.I have tried on numerous occasions to try and lower my payments but I was told and I quote, " You are going to have to figure it out and there is no way for you to lower the payments! '' The worst part is that once Navient took hold of my loans, my interest rates jumped to 9.75 %! There is no way a student in their right mind would sign up for a loan with this high interest rate ... not even a desperate one! The company 's forbearance policy is very interesting. The fee is always {$150.00} but sometimes the forbearance can last 30 days and then there are times it can last 90 days. It 's just up to them and whatever they decide at the time. Well, considering that I have other debts to pay because I paid for my XXXX degree out of pocket ... there is NO WAY I can pay XXXX XXXX and survive. I NEED HELP!
On XX/XX/2017 someone applied for a Barclays Credit Card with my Information without my consent which resulted in an hard inquiry on my XXXX Credit Report. I contacted Barclays Bank Delaware themselves and tried to resolve the issue but couldnt.
I am writing about a collection on my XXXX credit report. The collection comes from XXXX XXXX. Portfolio Recovery XXXX is handling the collection. I have been a victim of identity theft and someone setup account with several credit card companies acting like me and never paid them. I have report this on all my credit reports. There is a fraud alert too. The amount is showing up as {$1300.00} and as a negative collection. I need Portfolio Recovery XXXX to remove it completely from my XXXX report. I am refinancing my home and they indicated that it would have to be removed and corrected before I can move forward. I am just being honest.
I received a settlement letter fro m ProCollect Incor porated stating they are offering me a settlement of 50 % off the total amount that I owe on the account they have from the creditor they are representing, Landings at  XXXX   XXXX   XXXX   XXXX  . Additionally, the letter stated that if the settlement amount, which is {$60.00}, is paid by  XXXX   XXXX ,   XXXX  , they would delete from my credit reports. The letter also states that the payment can be made via online at  XXXX . I made my payment online on  XXXX   XXXX ,   XXXX  , and received a confirmation email that the payment has processed. However, I received a telephone call on  XXXX / XXXX /  XXXX   from a representative  from ProCollect stating th at the payment did not process because settlement payments can not and are not to be made online which is totally different what it is indicated in the letter. I was also informed that they could not take my settlement payment unless I paid for another account that I have with them. This stipulation is not indicated in the letter either. Therefore, the payment I submitted was not processed and the settlement offer indicated in the letter was rescinded even though I complied with the terms set forth in the letter. Additionally, I was informed that even though they sent me a letter for a settlement offer on the other account, which I did not receive, because I did not receive the letter I could not have the settlement and would have to pay the full amount of the second account.     They are committing fraud and deceptive collection practices. The money was and is readily available for the account which I pay on  XXXX   XXXX ,   XXXX   and the terms set forth in the settlement and deletion from credit report letter should be honored. The account which I paid was  XXXX . I have supporting documentation.
I asked Chase to close my Chase XXXX ( XXXX XXXX ) Card in XXXX this year. I have had this card service for the last 6 or 7 years and decided to close the account because I no longer want to pay the annual {$95.00} fee that Chase charges. My annual renewal was to occur in XX/XX/2018. I have called Chase several times and although my account has been closed, my on line statement continues to show a delinquent balance of {$95.00} plus accrued interest of {$1.00} through the latest statement ( attached ). I am concerned that this may adversely affect my credit rating.
I 've been going through divorce proceeding for over 1 and 1/2 yrs now and as of XX/XX/XXXX, waiting for the judges decision-until then I am powerless as my estranged husband quit paying on our Syncrony Home credit card for XXXX furniture since XXXX. The bill is in my husbands name and I was only an authorized user. I did not take my name off as my husband did on accounts that he was an authorized user for so that I could still have access since I was the one who made sure all of our bills were paid on time for 25 years. I found out my husband quit paying on the account since XX/XX/XXXX after a registered letter came to the house in both our names when everything was just in his name. He is the XXXX of our county and seems to be able to do what ever he wants where as I have been rendered powerless to protect my credit. I have called Syncrony to make 'emergency ' payments so the account does n't go to a collection agency or the furniture I was given to keep does n't get repossessed. Syncrony is unwilling to work with me on stopping late fees and lowering payments so I can catch up for my husband not paying on the account unknowing to me. Syncrony certainly takes my payments, but reported my credit as bad to the credit agencies when I 've had good credit for years. I am powerless to do anything as we have a financial restraining order and I am unable to open any new accounts- I am trying to keep our home and am barely making ends meet while my husband has kept his salary to himself yet quit paying on agreed upon bills with out my knowledge. I ca n't do anything until the judge gives us our final decision. Meanwhile, many other credit cards are helping me with hardship programs ( low interest rates, lower payments, waiving late fees so I can catch up ... ) I called Syncrony several times from the number that was on a registered letter that promised to help me if I called. I got robotic, non-English speaking, uncaring representatives on the line that said my 'divorce ' was not a good enough reason, yet one of the other reps asked me if my household income has decreased ... .well yes, it has-by XX/XX/XXXX! This is criminal & I am only making his payments so the furniture he gave to me does n't get repo-ed! Help me please! The representative that said the divorce was not a good enough reason was unwilling to expand any further on my situation ( as he was the XXXX person I was transferred to ) and did n't even ask if my household income had decreased-I had told my long story 3 times already and was tired of telling it & was n't able to inform this rep of this in hopes that it was 'a good enough reason ' to help me. There has to a better way as this bill will eventually be paid off as soon as a decision is made by the judge. It is criminal what they are doing to me now when I am only giving them money I do n't have.
I have been trying for several months to get Equifax to lift credit freeze they put on my accounts by mistake.I can not reach a live person at the company. I can get a plain English answer or solution. Today, and this was not the first time this happened, I got TWO letters in the mail from Equifax. One o them said they had permanently lifted the security freeze. The other said they had permanently placed a security freeze on my account. This is maddening. I want the freeze lifted. Permanently. As I stated, this is not the first time I received two contradictory letters the same day ; I have attached the two letters I received today. PLEASE HELP. THANK YOU.
I recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : XXXX, Equifax and XXXX
I have never opened an account with XXXX. I would like to have this account removed from my report. It seems as if the account was closed and is causing harm to my account. I do n't shop at XXXX and Never opened this account with my ssn. I am extremely concerned that someone has my information and can use it again at their leisure. Please help me to remove this account! Thank you!
For the past few months, I have attempted to get a credit card through XXXX XXXX. I have been told that there is legal action against me on my credit file. When I check each of my reports, there is no such information listed.
Wells Fargo routinely failed to apply my mortgage payment and can not tell me where the money was applied. I continued to pay on time and was never late. They then manufactured a default. After the foreclosure was dismissed several times, they sold the servicing to another firm ( potentially related to Wells ) and I could not get any answers. I continued to pay my mortgage through 7 years of foreclosure filings and refilling and they never told me where the money went. 

I am XXXX now, and was over XXXX at the time. I was forced to sell the house my husband built for our family over 40 years ago as they would/could not resolve and no other lender would lend to me because of the foreclosure. 

Sometimes, Wells Fargo employees would come to my home and harass me. XXXX. I cry when I see the Wells Fargo branches now. I never received my money back and had to pay astronomical fees on the mortgage when I sold.
Account # XXXX XXXX XXXX XXXX. & XXXX has incorrectly billed me for over {$2000.00} ; I do n't owe this debt. I have uploaded a copy of the correct billing statement.
Bank of America reports bogus information to XXXX even though I do n't owe them money
My credit report only shows my XXXX ( old ) driver license as cancelled. I am now a resident of XXXX and have a XXXX drivers license. I believe this is the reason why my XXXX drivers license shows up as cancelled. My issue is that the company I work for ran a background check on XX/XX/XXXX ( checkr ) and do to the fact that ( XXXX ) my jobs primary responsibility is driving they have fired me on XX/XX/XXXX I contacted the credit report company ( checkr ) and submitted my XXXX  drivers license but I havent hear from them. I also contacted the company I worked for ( XXXX ) and explained the issue along with my XXXX Drivers license. I checked DMV records and everything seems to be in order. The background check company just havent update their records and I dont know what else to do. Any help would be greatly appreciated.
I am in the process of working on a loan and was alerted to a collection from XXXX XXXX by my credit monitoring APP. In haste I paid the amount not knowing that I had an option to verify/dispute the validity of the debt. This was not conveyed to me by Convergent when I reached out. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
I have tried several times to get an accountXXXX XXXX XXXX XXXX and XXXX XXXX removed from my credit report. I am not the owner of this account and have sent letters several times disputing this inaccurate information. The reporting company just keep sending a statement back saying the information has been " verified and updated ''. I have requested the description of the procedure used to determine accuracy to no avail. I have been battling this problem for 90 days now. I need any help that can be provided. 

Kindly, XXXX XXXX XXXX
This complaint is regarding the account XXXX   XXXX..After sending  dispute letters to Equifax and XXXX, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
On XXXX XXXX, 2016, I received my first communication regarding a supposed debt from Hollis Cobb Associates, which is a collection agency. The agent, however, failed to advise it was a call from a debt collector but instead falsely advised it was a call from a doctor 's office. Moreover, the supposed debt is invalid, yet I was not provided the information required by the FDCPA in an initial communication so that I can submit a written dispute and request that I receive no further telephone communications.
I am currently In the XXXX and my sensitive information stolen out of my vehicle XXXX of 2013. I was attempting to purchase a house and saw I had a chase credit card on my credit. I contacted chase and disputed the card under the grounds of I never received or owned a chase credit card. They proceeded to do the investigation and said that I was responsible for covering the charges. I currently have talked to multiple people in their chain of command and they all say I am responsible. I notifed them that my debit cards and my whole wallet was stolen with my social security card and all. They still said that I have to pay the total amount on the account. I do n't know what to do because I have never had this issue before and I do n't have a credit card other that my military one and my bank credit card.
I recently enrolled in a loan modification. I was given a new principal and a partial HUD claim that needs to be satisfied to pay off my home. I was assigned a home preservation specialist to assist during this process. My total due is almost exactly what my original loan was for years ago and have made many payments. I requested a breakdown to show how this was possible and was told they cant provide that. I was told no one else was available to call there to help me with this request.
My old complaint number, against Carrington Mortgage Services is XXXX. 
This is a brand-new complaint against Carrington M. S., same Account Number XXXX. 
Item 1. Statement Dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, charging late penalty of {$17.00} plus two months mortgage of {$520.00} each month, total {$1000.00}. 
This amount was paid through XXXX XXXX XXXX on XXXX/XXXX/15. 

Item 2. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15. 
I DO NOT KNOW IF cfpb IS RESPONSIBLE FOR THIS MIRACLE. 
No payment was required for the month of XXXX 2015, and the penalty {$17.00} was used to pay down the principal. 
XXXX XXXX I got sick and was not at home. I asked my daughter to pay {$520.00} on XXXX of each month beginning XX/XX/XXXX. 
Item 3A. Letter dated XXXX/XXXX/2015, stating XXXX/XXXX/2015 payment of {$520.00} was not received and late charge of {$17.00} was assessed. ( This scan at end of list ). 
Item 3. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, for {$520.00} plus {$17.00} plus {$520.00}. Payment of {$520.00} was made on XXXX/XXXX/2015. 
Item 4. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, $ XXXX {$17.00} plus {$520.00} plus {$17.00}, grand total {$1000.00}. 
Item 5. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, asking for {$1000.00}. 
It is clear to see that by creating a subterfuge of a " NO PAYMENT MONTH '' a charge of {$17.00} could be imposed " EACH '' month.
InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.
This is a copy of an email sent to XXXX XXXX of US Bank regarding payment inaccuracies form US Bank. There is no details of what makes up a payment, for interest and principle. Late fees are added in random and reversed. You can see that a payment was made and late fees are added. I am concerned about loan fraud, excessives fees applied and not sure if anyone knows if one can be overcharge for this loan. A audit of the US Bank may be in order. 
Hi XXXX, I wanted to give you an update on this matter. I received a call from US Bank Operations yesterday, I believe XXXX was her name. She called me to information that my XX/XX/XXXX payment will be {$120.00} since this was quoted to me in writing. She was also going to work on the late fees and getting me details at the branch so I can see the information. This was reassuring. 

However, today I went to make a payment was told that the amount due for XX/XX/XXXX is {$240.00}. No information was shared with the branch office of US Bank. I was told that paying less will result in late fees being assessed. Again this is a mess as information is not shared nor updated. I asked XXXX XXXX and he is powerless as he did not know. He also said that he is out of the picture on this issue. Hmmmmm. where can I get help if the branch office is out of the picture. 

I have attached the receipt, screen shots of XXXX 's computer to show that he is not able to share details of makes up the payment and account history. I only included the recent months. As you see, there are the late fees and payments made. Please note that there is a {$25.00} service fee applied and then a reversal. Why is that? 

XXXX, this is very concerning for me who is not sure what is owed. It also speaks loud of possible payment inaccuracies, random late fees being applied as payments have been make and really does anyone know if the system is accurate. I will be filing a CFPB complaint so they can see what is going on and get this addressed. Please help!! 

Kind Regards, XXXX
While viewing my credit report I'd notice Credit Management Lp with a balance of {$470.00} which I do not recall. I will like documents bearing my signature of this assumed account.
I was wrongly foreclosed on in XXXX, and was included in the National Mortgage Settlement class in XXXX. 

In accordance with the terms of the National Mortgage Settlement, I received a cash payment, and the foreclosure was removed from my credit history. 

However, Nationstar referred repeatedly to this foreclosure in refusing to grant me a refinancing in XXXX XXXX. Of course, no record of the foreclosure exists in the databases of the XXXX reporting agencies Nationstar used : XXXX, XXXX XXXX or XXXX. Instead, Nationstar cited some other record, document, " fraud report '' or such proving the foreclosure, although, as recently as last week, they have continued to refuse to show me the document, precisely describe it or tell me where they 'd found it. 

I have made numerous requests for this documentation, and have also gone to great lengths with several members of the Nationstar sales and customer relations teams to establish my membership in the National Mortgage Settlement class and even to explain the Settlement. Most of my inquiries have been met with silence, or occasionally an email which completely ignores the Settlement and my claims with relation to it. On several occasions, Nationstar representatives pretended not to know what the Settlement was. 

I was able to refinance successfully with XXXX XXXX in XXXX XXXX, at favorable rates. XXXX, which also uses the XXXX above-named reporting firms, did not find any problems with my history and made no mention of the foreclosure, incidentally. 

Do I have any recourse? Will financial firms continue to be able to deny me financing on the basis of a foreclosure that should have been removed from my credit history? Or is Nationstar in the wrong?
I have submitted a few different disputes to Equifax. They have not been able to accurately portray the information on my credit report. They do not have the proper credit limit for most of my cards. They are months out of date. In one instance, they deleted my credit card instead of accurately reporting the balance. Also. my husband has added me to some of his credit card accounts and they have not yet added this to my credit score/report. I have also had a medical debt collection paid and agreed to be deleted from the Equifax report. I have tried and tried to fix it, I have tried with the lending companies and with the credit bureau. This is hurting my finances and my credit health because they are not accurately reporting, it makes my usage percent look higher and my credit limits look lower and it makes my credit age look younger than it is. This in turn effects my score and my score effects my interest rates and amounts I can borrow. This is a vicious cycle.
I had my wallet stolen. My debit card was used for a purchase at XXXX. I immediately notified Bank of America and cancelled my debit card. The bank has denied my fraud complaint and is going to pull the money from my account. I have provided them with a police report number and a statement.
I contacted Transunion on multiple occasions regarding the incorrect reporting of a debt owed to XXXX XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX XXXX the debt submitted to the credit reporting agencies. And Transunion lowered my XXXX XXXX by almost XXXX points for this incorrect reporting of a debt I do not owe, with a negative impact on my job search. Transunion also has included a XXXX tax lien on my credit report for the state of Maryland. And even though I have not worked in Maryland since XXXX, Transunion has refused to remove this inaccurate reporting from my credit report, which lowers my XXXX XXXX and negatively impacts my credit report.
For the past few months I have been getting phone calls stating " This is Nationwide Credit and Collections. '' I have excellent credit and have zero debt. When I google the number, sure enough I see reviews upon reviews that this is a scam! Please help me stop them before an innocent falls for it! 

The phone number that keeps calling me is XXXX.
XXXX Store Card - Pay double, sometimes triple the minimum amount every month, If I don't time it just right they charge a XXXX dollar late fee even If I paid well over the amount early enough to cover several months of payments. 

I have the chat log conversation with their rep. and was partially able to rectify the issue.
XXXX XXXX XXXX is collecting on a debt that has been paid. HSBC sold accounts to Capital one., I have number of accounts showing up under HSBC/Capital One. These are accounts for as early as 2002.
I used my  XXXX   XXXX  rewards  MasterCard ( Comenity )  to acquire a balance transfer to pay off anothet credit card. On  XXXX   XXXX  my account was charged  XXXX . I was charged for the balance transfer but it was not received by my other credit card.    XXXX   XXXX  wrote to me to verify the transfer was unsuccesful and my account would be credited. That was on  XXXX   XXXX  over 60 days ago.   I have not been credited and I also paid my other credit card through  XXXX  off myself.