WillisBack/dataset-financial-user-claim huggingface dataset:
in XXXX I viewed copies of my credit reports. I seen several discrepancies at which time I disputed these accounts with the credit bureaus. several accounts were updated except for a few accounts. I disputed them again to no avail. I then called this collection company " Albuquerque collections '' at which time I spoke with a co. rep " XXXX XXXX ''. I told XXXX XXXX about the account being discharged in bankruptcy. she said that they did n't know anything about a bankruptcy, but would look into to it. she asked me to provide her with all of my information for verification, I did. she then told me she would remove this account from their records and update it with the bureaus. she also said they report to the bureaus once a month and this would in fact be updated within 15 days, which was their next reporting schedule to the bureaus. nothing was updated as of XXXX. I called them again and spoke with another rep. by the name of XXXX XXXX, who also asked me for all of my info. I complied, put me on hold and then she came back on the phone and told me that there was a mistake made previously and that she would in fact correct the mistake and update the account. as of today XXXX, this collection account from Albuquerque collection co. is still reporting this account as an " open account '' with a balance of {$240.00}. my bankruptcy was discharged in XXXX and 8 month later this company is still violating my rights under " the fair credit reporting act ''. about 2 or 3 days after my first call to this co. I started getting after hours phone calls from XXXX XXXX. XXXX '' logo. wanting me to take her out to dinner and wanting to spend the night. XXXX XXXX also told me that they are paid on commission and get a percentage of what they collect. I wonder how many people they sucker in to paying them, especially if they have a legitimate dispute of the collection.
We have been trying to do a short sale on our home for quite awhile now. Originally the short sale was countered by XXXX XXXX XXXX with no requests for contribution and the Investor previously did not asked for a promissory note. The loan servicing was transferred to Seterus and now the Servicer is asking for a promissory note for an additional XXXX which supersede the amount owed on the First Mortgage. The purchase price is XXXX, the balance owed on the First mortgage is XXXX plus late fees and attorney fees. The Servicer/lender has not paid the property 2014 taxes which they are obligated to do as per their servicing agreement and they also refused to pay the FULL back HOA dues. This request for a promissory note seems to be a common thing from Seterus on short sales. Please review their prior closed short sale files for verification.
On XXXX/XXXX/2016 ( see attached ) I paid the remaining balance of XXXX Capital One Bank credit cards and closed XXXX accounts using the telephone method. The amounts paid were {$1500.00} and {$1200.00} ( see attached ) and I received an email confirmation of these transactions. On XXXX/XXXX/2016, charges/fees appeared on each account ; XXXX for {$25.00} and {$22.00} ( see attached ). Since I requested payoff amounts on each account, there was no need to charge me interest 24 hours following closure of the accounts.
First, pleased be informed that I had to select XXXX XXXX College from your selection portal but in your records you will see that my complaint and documentation has been on XXXX XXXX College, now defunct and has been for a while, XXXX, Louisiana. When I did not select a college on your list, it would not allow me to go further with this complaint. 
Received an email dated XX/XX/2017 from CFPB that I need clarity on. I submitted complaints on Navient ( XXXX XXXX ) which they in turn tossed it back to XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ). Your complaint site clearly lists student loan as an area where complaints can be logged on these agencies. So with all the detailed info submitted in complaint number XXXX and XXXX, I received this reply from you : " After reviewing your complaint, it appears the Consumer Financial Protection Bureau can not pursue the issue you described. CFPB does not have any jurisdiction over any local, state, or Federal Government agency. '' So why even take complaints on any student loans that are given by banks and agencies like XXXX XXXX and Navient if it is not in your jurisdiction to assist with the complaint? Are not banks and XXXX XXXX and Navient backed by federal government loans by XXXX and such? 

Looking forward to your reply. Also please be advised that I had to contact Navient to get promissory note that they had sent to you in attachment but never to me although they told you they did and when they did send it, it only had second page of note, bearing my signature and social security number. I called them and asked if this was a joke and requested it be sent again and then I finally received the promissory note in full.
On XX/XX/XXXX we were given a pre-approval letter for {$130000.00} for an FHA home loan from XXXX XXXXNMLS # XXXX Ohio # XXXX. This was after submitting all the documentation on First Ohio Home Finance 's website and submitting additional paperwork requested by XXXX XXXX including 2017 XXXX, two recent pay stubs and 2017 return. 

On XX/XX/XXXX after looking at some houses and meeting with our realtor, we decided to request to see if we could get approved for a larger amount of {$150000.00} if we provided a higher down payment burrowed from my XXXX account. XXXX requested that we send him additional paperwork, which included our two most recent paystubs and both of my child support orders. The child support orders did not differ from any information that was previously submitted to the company. 

On XX/XX/XXXX after all the paperwork that XXXX requested was emailed to him, he sent us a new approval letter for {$150000.00}. He called me to say that this comes with stipulations and that I would have to pay off a Car loan to get approved for this amount. 

After this date, we sent emails to XXXX to have him determine are all in price ( mortgage, insurance etc ) for a few homes we were interested in. On XX/XX/XXXX we asked about a home with a price of {$110000.00}, well under the XXXX pre-approval given on XX/XX/XXXX. He wrote in an email that I would have to pay off my car in order to get approved for this home. We also asked about a home at XXXX, again we said I would have to have my car pay off my car loan. 
Again my car loan was on my credit report which the company had access to before the first approval of XXXX. 

On this date he started to be more aggressive by emailing us " get into a contract on a home and we will do our best to get approved ''. 

On XX/XX/XXXX we emailed again about a home for XXXX, he said we may be able to get away with not paying my car loan off to be approved for this loan. We started to think that this company was practicing fraud and that this specific lender was falsifying information in order to get lenders into a house contract on houses they would not be approved for. 

On XX/XX/XXXX XXXX spoke with our realtor. She called us directly after the conversation. XXXX said " they will not be approved for anything more than XXXX if they do not pay off the car loan ''. 
Why did we not receive a pre-approval letter for XXXX originally instead of the XXXX? 
Why did XXXX not disclose to us that we would not be approved for anything more than XXXX if we did not pay off the car loan? 

The evidence supports the fact that XXXX was attempting to deceive us in order to get us to sign a contract on a home we could not be approved for. He told our realtor that if we signed a contract " we would figure out how to pay the car ''
I received a letter from an attorney office about a lawsuit being filed against me from a Midland Funding LLC. I am not sure what it is. I have received calls starting right at XXXX XXXX and stopping at XXXX XXXX from weird numbers without 10 digits calling my phone and would ask for me without identifying who they are if I answered. A year ago, this same thing happen and I received a garnishment for something I had no idea what the debt was. I am afraid they will garnish me again for another mysterious debt. I tried calling but they want you to identify social security numbers, date of birth and address as if you are admitting to debt or an account. I refused to provide any of it because the last time that is when they were able to collect from me when I was trying to find out about the debt.
My name is XXXX XXXX, XXXX : XXXX. My account number was XXXX. On XXXX XXXX, XXXX I went to Chase Bank in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to close my account. I decided to get the amount in cash since it was not a lot of money. I had exactly XXXX on my account and I got XXXX in cash. I am attaching the copy of the withdrawal where you can see the amount stated as above. 

I got notified on in XXXX that they were trying to collect XXXX XXXX I went to the location in XXXX XXXX and tried to understand what was going on. I was told by the interim manager of the branch that the lady at the counter who attended us made a mistake and entered {$5700.00} instead of {$5100.00} on the computer system which implied that I she had given me XXXX extra. 

After talking to her for a while she mentioned that the branch officer confused the 1 with the 7. As you can see on the check where there is a 1 and a 7 those have a totally different pattern so that is hard to believe. I told her that I still have the amount in cash ( since I simply left it in the envelope and left it home in a drawer ) and the amount was {$5100.00}. I do n't not know where those XXXX $ went but I just do n't have them. If I had them trust me I would be returning them because of all the hassle this is creating. 

On XXXX XXXX I received a letter saying that I owed {$600.00}. Following the advice of my lawyer I send out a letter that I am attaching where I expose the violation of the Fair Debt Collection Practices Act. The bank tried to accrue fees/interest beyond what it is allowed. 

I just hope this situation will be solved soon because I do n't believe I did anything wrong. I am not the person who took those {$600.00} and therefor I do not owe that amount. 

Please remove the unjustified debt from my report as soon as possible.
A money judgement pending in the Maine XXXX Court - XXXX, ME. was satisfied and dismissed. ( see attached Satisfaction of Judgment & Certified Court Docket ). I wish to remove this Public Record from my credit file as it negatively impacts my XXXX scoring as an erroneous record.
I applied for and was approved for a forebearance through Navient was paid for on XXXX XXXX, and on XXXX XXXX I began getting harassing phone calls and emails about a late payment because they had not correctly processed the forebearance, only taken my money.
Navient, the servicer of student loans has now been sued by 5 states. Those include California, Illinois, Mississippi, Pennsylvania, and Washington. Navient is not only accused, but is scamming student loan borrowers, and I want to report the scam they're attempting with me. For the past couple of months, I have been paying at least 80 % more than is due. They now show after I refinanced, I owe {$0.00} for an Unsusidized Stafford Loan. They deliberately are attempting to deceive me into not paying so they can accrue interest on a daily basis for the next couple of decades. On the Navient website, there is an option to " Contact '' by email. When that option is selected, a new website opens and I required to login into my account. I have to repeat the same process, because they know full well, being under investigation for white collar crimes, they prohibit me from contacting them by way of email. They have no idea that I actually maintain full documentation on my payments and what is applied to principal versus interest. I have also provide full evidence to my Attorney General, XXXX XXXX, so he has additional leverage to press forward on ensuring that Navient is better regulated. I have pay far more than Navient requires, and wants, because I don't trust Navient and their lack of ethics and honesty.
TD Bank has been charging me illegitimate maintenance fees on my account ( the _sum_ of balances on my accounts must be & gt ; $ XXXX to avoid a charge ; they fail to consider the sum of my accounts, and charge me a fee because one of my accounts has a balance & lt ; $ XXXX ). Each time I complain, they agree that the fee should have not been charged. Then they reverse the charge and file paperwork to correctly pair the accounts when assessing fees, and assure me that the fee wo n't be charged on the next billing cycle. But it does appear on the next cycle. For more than a year now I have had to go to my local branch, complain on the phone, or complain via email to get the problem solved. It is becoming tedious. Clearly the CSRs I am dealing with are unable to resolve the issue, so I am appealing to the CFPB for assistance reaching a more appropriate contact.
XXXX act # XXXX reported that I was in collections as of XX/XX/XXXX and i was still an XXXX XXXX at XXXX however after contacting both XXXX for proof of being a XXXX XXXX they provided me documentation of enrollment and cancellation on XX/XX/XXXX! I also contacted XXXX and informed them that this was not valid debt and they did nothing so i begin my disputes through the CB 's. I submitted proof of the docs to experian and it stated clearly date canceled balance etc ... The representative told me that since it was fraudulently placed it would be expedited which it has not. The rep I spoke with the other day stated that they received the document and they forwarded it over to the collection agency and to see if they will allow it to be removed. After being on my credit for over 3 months of course it has a very negative impact and I am also being declined for other services due to recent collection reporting from XXXX. I also sent certified letters requesting immediate removal of this account and they are just blowing me off as usual and their validation is just via electronic without actual proof of documents etc ... I want this account deleted immediately. Second account is XXXX act # XXXX this account was in collections as of XX/XX/XXXX I realized that it did not belong to me after contacting the collection agency their response was to send in my Id and personal information and they would investigate however I will not be sending my information to a collection agency who could not send me proof of validation as well as experian not requiring them to do so. This account was listed prior and resold and started over the 7yr term with the new collection agency! I requested that experian remove this information if they could not do so in a 30 day time frame still nothing to this date of a signed document of mine or anything validating this account. Experian has the best interest of the creditors and the collections agency as this is how they make money this is not fair to consumers and I can no longer be held responsible for accounts that are inaccurate and that do not belong to me or I was n't notified legally of any debt just popped up on my report and that makes it mine! Unfair practices and this has to be resolved. Final account to be addressed is XXXX act # XXXX. This is the same ordeal as the issue at hand with XXXX. They illegally placed a debt account on my report and stated they notified me to some address that does not belong to me and they will not provide validation to me and I disputed this through experian but the collection agency response was we alerted you back in XX/XX/XXXX and this act will remain on your file. Despite my efforts of getting inaccurate information removed from my report via experian dispute process they are not providing me proof of what the collections agencies are provided to them as validation. Please help me resolve these issues as I know that experian could care less as long as they keep getting paid!
I previously filed a complaint against Bank Of America ( BOA ) concerning the closing of my wife 's checking account. The complaint number is  XXXX . I had hoped to add the following information to show how they respond to customers.     This morning I received a phone call from BOA regarding the complaint listed above. The caller stated that the call could be recorded for " quality control ''. When I informed the caller that I intended to also record the call I was informed that the call could not continue under those circumstances. It seems to me that if I must agree to them recording the conversation, I should be given the same courtesy.     Because of previous misstatements I believe that having a record of all communications initiated by BOA is necessary.
On XX/XX/XXXX, I posted a add on XXXX to sell my vehicle that I could no longer afford for the amount owed on the loan for 30,000 approximately. I received a on response from a gentleman on XX/XX/XXXX who said that he would pay off the loan. He did with his personal bank account through my online payment center and when the title was received to gave to it and well as the vehicle. All the payments were received by XX/XX/XXXX. I received documentation that my loan was paid in full first on XX/XX/XXXX and as the title which has the released date of XX/XX/XXXX as well two weeks after. Then a month after the vehicle was gone and sold, Wells Fargo Dealer services sends me letters that all the funds were returned and they need the title back. The vehicle also needed to be in my possession as well. At this point, both of them had been taken from my possession. I went through quite an ordeal with the bank to get this issue resolved cordially but did not happen. Wells Fargo Dealer Services believes I still owe my loan which I don't believe is accurate. Thank you
I have disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( XXXX, XXXX & Transunion ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in 2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as  established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.
when i went to refinance my home, I was told that Discover placed a judgement on the title for credit card debt that i did not incur. my husband who i have been legally separated from for 3-4 years did have a Discover card that is delinquent. 
my ex will file a separate complaint as he says Discover never notified him of any of this.
On XXXX XXXX, 2017, I became aware of a security breach where consumer data held by was compromised. Upon reading the news, I followed links to Equifax 's security website that was handling consumer inquiry about the breach : w
ww.equifaxsecurity2017.com On this site you would enter your name and the last 6 digits of your social security number, and you would be notified immediately if your data may have been compromised. WHAT I DID N'T KNOW is that Equifax had hidden Terms of Use for using th
is service that included waiving my rights to file lawsuit for damages and join in any class action suit against Equifax.
Upon using the service, I WAS NOT ASKED TO ACCEPT ANY TERMS OF USE. They were hidden behind an incredibly small link, and it was unclear what terms of use - if any - actually were when using the service.
This is absolutely unfair and strikes me as fraudulent and negligent. Upon being breached, this company has a duty of care to notify consumers if their data may have been compromised. Instead, they have hidden this knowledge from consumers where they can only access it if they waive their rights. Consumers should be protected from such coercive and opportunistic tactics.
I believe that Equifax knowingly and willfully advertised this service with the intent to deceive consumers and to take advantage of their panic to coerce them into waiving the rights afforded to them by the CFPB and other regulating agencies.
SLS is Falsely Claiming they are representing and that it was contracted by the owner of the mortgage Loan, to service the '' account ''. 

SLS Representative XXXX ID # XXXX is claiming XXXX Bank XXXX is still doing Business as of XX/XX/XXXX in their letter. SLS Rep. XXXX also provided an " Endorsed Note '' with XXXX XXXX XXXX as Lender to the CFPB in case # XXXX. 

XXXX XXXX XXXX has been Defunct since XX/XX/XXXX 
How is this Possible for XXXX Bank XXXX to transfer or conduct any Type of Business after XX/XX/XXXX? 

SLS also claims the " account '' was " Charged OFF " by the prior servicer? 
XXXX ) Who was or is the servicer they speak of? 
XXXX ) Did SLS Purchase This alleged DEBT? 
XXXX ) What gave them the Right to post False information onto my Credit Timeline? 
XXXX ) Who Did SLS acquire this Account from? 
XXXX ) Was this Debt purchased by SLS? 
XXXX XXXX Provide accurate Accounting according to XXXX. 
XXXX ) Is it a Mortgage Loan or a Line of Credit? 
If Neither provide what type of account this is. 
XXXX ) If prior SERVICER charged off account why is SLS claiming they did on my credit Timeline? 
XXXX ) What is SLS claiming is owed if already charged off? 

SLS has Violated The FDCPA, FCRA, GLB, and is Defrauding Consumers and the Government and with their False Claims, Unjust enrichment and Backdating and presenting False information and Documents
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Maury Cobb, attorney at law, located in XXXX, AL keeps sending me robotic calls from XXXX asking me to call XXXX. Daily robotic calls to my cell phone attempting to collect a debt from someone who is unknown to me. I have contacted the caller twice to notify of the problem, but they have not changed tactics or otherwise changed their calling pattern. By nature of their systematic inability to source or acknowledge the problem I am effectively being harassed and am seeking relief.
XXXX XXXX XXXX XXXX place 2 incorrect accounts on my credit report. I requsted supporting doc from them. They only sent past due bills stating that its my account Im not aware of account so I asked for additinal info which they did not send. I asked for signed contract which they did not send. I asked to remove from my credit file an they refused.