WillisBack/dataset-financial-user-claim huggingface dataset:
I have a vehicle loan with Well Fargo Dealer Services. Two months after I made the purchase I had a XXXX which led to financial hardship. Over the course of the past for years Wells Fargo has worked with me to offer grace while securing payments as I was out of work. I appreciate their willingness to support me through recovery and I am still recovering. I have paid the notes as I have received. Once the vehicle was returned to Wells Fargo but we arranged for it to be returned to me mainly because of the age, and resale value. After that I had some work but was not fully XXXX recovered and needed XXXX attention that I could not afford at the time. I kept the payments up as best I could making multiple payments at once when I could, whatever I got paid, I sent to Wells Fargo. I was averaging payments about every three months, sometimes four months and sometimes they would add payments to the end of the loan to help me out. I noticed in XX/XX/XXXX that a Charge Off was placed on my credit regarding the loan. It appears to have happened in XX/XX/XXXX. I was unaware. Late XX/XX/XXXX, early XX/XX/XXXX I was made aware that my XXXX year old daughter was receiving calls from Wells Fargo representatives regarding the vehicle. She was told " that she was driving her mothers truck and it was illegal '', of course she was confused and terrified as she has never been under the wheel of any vehicle of mine nor any vehicle financed to me. She has had XXXX vehicles of her own since she was XXXX and they were all purchased by her father. Since then the calls have continued to her phone, her fathers phone and my sons phone. All of whom have no contact with any vehicle of mine. Ex-husbands with power do n't need fuel like this. My children do not have a loan with Wells Fargo and the humiliation from the XXXX and loosing everything but my life has been enough for them to hear about. My phone number has remained the same. The vehicle is in the same place where it was picked up before. I am grateful for all that Wells Fargo has done for me. I am writing to inquire as to who is contacting my ex-husband, my daughter and my son. Who ever it is, has never once reached out to me. As stated, my number is the same. I am in XXXX three times a week till XX/XX/XXXX or XX/XX/XXXX for a few hours however I am reachable. Making false accusations to a minor is all I 'm asking who ever is calling to refrain from. My ex-husband and my son work for XXXX. I 'm writing for a peaceful resolution. The vehicle has not been driven, I have been advise that perhaps the person contacting them is not Wells Fargo. I 'm here for clarity. Again, I would never be able to go out on any company review site and say anything bad about Wells Fargo, the company was gracious during a very terrible time in my life. My only regret is that when I went to buy the vehicle I was going to pay cash, I was told a loan would be a better credit building option. I should have paid cash, we would n't be having this issue to resolve. On the other hand, if I had, I would not have been able to live at all. Life is unpredictable, even when we do all that we can to prepare.
CFPB entered into a consent agreement with Midland Credit Management ( MCM ), which MCM is now violating. MCM agreed to stop attempting to collection efforts and made settlement restitution in some cases but has resumed collection efforts. This was a phony claim to begin with. My claim number is XXXX.
nationstar /mr copper, is attempting to foreclose on my home with a fraudulent that contains robo signers. I have asked that the foreclosure be stopand my QWR be answer with the debt validation
Trying to get money transferred from XXXX XXXX and it 's says my bank want send updated information
On XX/XX/2018 at XXXX we received an automated call asking to call CAPITAL ONE at XXXX. We can not proceed with having our number removed as there are hundreds of company numbers that lead to this line and the automated call does not give the option to be connected to an operator
Due to government cut backs, I lost my job with the XXXX XXXX XXXX in XX/XX/XXXX. I received a severance package. I moved to find a better job and started looking for a job immediately. With my severance, I was able to pay on my private student loans for several months but when I saw I was running out of money, I had to save money for rent, electric, water, and groceries which I consider the BARE NECESSITIES. I got behind on my loans but in XX/XX/XXXX I found work. I have been paying more than the minimum amount to try to catch up. For the last 4 months, every month, I have paid. But Navient calls multiple times a day. I can make a payment today and they will still call me. In the beginning I spoke to them and explained, I just started a new job, I have been paying more than the minimum to catch up, however this amount is all I can afford to pay each month. This should be documented in their notes, this should be known, still they persist. My situation today has not changed since yesterday, since last month, since as far back as XX/XX/XXXX when I started this job. I have an alotted amount of money I can use for student loans. PERIOD. I have spoken to a lawyer about my loans in which possibility of settling was discussed. I can not however come up with X amount of thousands of dollars to settle at this time. Now I am researching better business practices to see suing for harassment is possible. Consider this a formal complaint on the company. I have screen shots of my phone which shows how many times they have called me since XX/XX/XXXXXXXX and how many voicemails I am left. I 'm to the point my voicemail box is almost full and had to make a complaint so I can give over whatever records are necessary so I can continue to receive their hounding phone calls.
I refinanced my loan the beginning of 2016. I have never one time missed a payment and I pay more than whats due every month. Loan Care is reporting me 30 days late recurring for over a year and I have never missed a payment. I have spoken with them hundreds of times and nobody there can even tell me why they are showing me late. They transfer me around to other people who do n't know what they are talking about and nobody there will actually fix the problem or help me. I have proof of all my payments and I do not miss any on any accounts. This is seriously affecting me and they will not help me. How can I be late since the start of the loan when I have made the payments monthly. They are charging me fees every month for being late but yet they ca n't tell me where I went late.
I have the proof of my payments that I have provided them monthly and not one time have they ever proved to me why they are reporting late. Yet I sit here paying late fees for a year and a half all the while getting 30 day lates every month.
They need to be regulated, how can they even do this?? I need help and I need it fixed.
I 'd like to know how these companies get away with this and apparently can do whatever they want and I have no recourse?
On XXXX XXXX, Midwest Recovery Systems, LLC reported a balance of {$400.00} owed to " XXXX '' on all XXXX bureaus. Says the original creditor opened the account on XXXX XXXX, 2016. I have no knowledge of this account, and I have never once in my life had anything in the amount of {$400.00}. I have never received written or telephone contact from anyone notifying me of this so-called " debt ''. I have been watching my credit like a hawk as I 'm going to be going into the mortgage application phase within the next month. This reporting of this unverified, fraudulent debt has caused my XXXX to go down over XXXX points. Per the federal rules for debt collection, I must be notified with this debt and given the opportunity to dispute or negotiate this debt with a creditor before it is reported as an unpaid debt. I have NEVER been told of this debt. It needs to be removed from my credit reports immediately, and Midwest Recovery Systems, LLC must be held responsible for reporting false information and not following federal debt collection rules.
XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON MY TRANSUNION CREDIT REPORT. 
They are collectors for XXXX XXXX  XXXX.At the only visit I have ever had I needed to have a tooth pulled.I paid {$200.00} cash at the time of service.In addition I had a deep cleaning which was covered by my XXXX XXXX XXXX   PLAN that I was told was covered.I was given a prescription for XXXX that was paid for by my insurance.This debt is fraudulent.
I wrotXXXX XXXX XXXX XXXX XXXX a debt verification letter and stated that any communications from that day forward to me is to be done by mail only. This company is still trying to communicate with me by phone instead of mail.
IQ Data International ( a collection agency ) promised to remove and " delete '' the collections account they had listed on my credit report, if I paid the collection company. Despite failing to provide adequate verification and validation or proving that I was liable for the account, I wanted to pay the full amount for deletion. I made sure that IQ Data International agent XXXX XXXX and agent XXXX XXXX understood that I would pay ONLY if they removed the negative account ( both verbally and in writing ). IQ Data International promised to remove and " delete '' the derogatory account from my credit reports once I paid the collection agency the total amount of {$340.00}, paid in full as agreed. 

Despite having paid the agreed upon amount in reliance upon IQ Data International 's promise to remove the derogatory account, they have not removed the negative account from my credit reports. In other words, IQ Data International lied when they promised to remove the account and breached their contract/ agreement and induced me to pay. 

IQ Data International debt collection company lied when they promised to remove the derogatory account.
I have 2 accounts with XXXX XXXX ... I haven't used either account in over 3 years. I was called in XX/XX/2017 and told the account would be at a XXXX balance if I paid half and they credited half, I paid and was told they were paid off, I never received a bill and am not told that they accounts have a combined balance of almost {$1000.00}. I want these interest charges and late fees to be credited. I also want the late payments noted on my credit report to be removed as well.They call me every few months for a payment to show my account is still active and I pay because I don't want my credit destroyed but this isn't fair and my accounts should be credited in full
I believe this company to be shandy and as scam. They have said that I 'm both approved and not approved at the same time. They have a lot of back noise going on when they 're on he phone and it sounds like they 're using machines to change their voices.
EXPERIAN - I am very meticulous on watching my credit accounts and credit score, I seen online {$1.00} for a free trial with EXPERIAN for seven days. I paid the amount through my credit card and entered the site and viewed my credit accounts and credit reports with EXPERIAN and all was good! I noticed for a ONE TIME fee of {$39.00} I can have access to XXXX and XXXX my accounts and credit scores. This seemed like a pretty good deal figuring to have complete access to all XXXX Credit Reporting Agencies so I viewed all three agencies and all was good! The next day I accessed the EXPERIAN site again and again attempted to access XXXX and the window popped up stating for {$39.00} I can view all three agencies? Figuring this was a mistake I called EXPERIAN only to find out that that ONE TIME {$39.00} fee is only good for ONE DAY! Nowhere on the window for the charge does it state that the {$39.00} fee is for ONE DAY it just simply says for a ONE TIME fee! This is misleading to consumers and EXPERIAN needs to state that the ONE TIME fee is also only good for ONE DAY! This is an important consumer issue that needs to be addressed immediately to protect consumers and to ensure EXPERIAN is up front and transparent to its subscribers! 
Another point of extreme concern that I have found out is the credit scores that EXPERIAN provides to consumers from XXXX and XXXX are erroneous credit scores! I obtained my credit score through EXPERIAN for XXXX and it seemed to be on the high side? I called XXXX and they said the score I obtained through EXPERIAN was about XXXX points higher than what XXXX had on file for me on that same day and they looked back through a month and my score was never as high as what EXPERIAN provided to me? I called EXPERIAN and explained to them the discrepancy from the XXXX credit score they provided to me and she told me that EXPERIAN uses a different scoring model than XXXX uses? So this is the issue, how can EXPERIAN charge additional money for a credit score from XXXX and XXXX and provide it to the consumer and these credit scores are erroneous and do not even come close to the actual scores on file with XXXX and XXXX! And in this case there is nothing on the EXPERIAN website advising the consumer that the scores from XXXX and XXXX may differ from actual scores because of EXPERIAN using a different scoring model! Again this is a big issue for consumers and needs to be resolved with EXPERIAN!
PayPal Inc. improperly placed holds on my PayPal Account. The company improperly handled disputed transactions and placed holds, reserves or limitations on my accounts without notice. PayPal failed to inform me about the type of activity that triggered the account freeze. Further, the company failed to provide me with an opportunity to remedy the situation and avoid holds being placed on my account in the future. Moreover, after sending the company the verification requested, PayPal continue to place frivolous holds on the account. 
1. On XX/XX/XXXX the company placed a hold on the account allegedly due to seller risk. ( See : Ref. ID # XXXX ) All the required banking and personal identifiable information was sent to the company. 
2. On XX/XX/XXXX the company placed a hold on the account and requested me to verify my identity and company information. ( See : Ref. ID # XXXX ) All the required banking, business and personal identifiable information was sent to the company. 
3. On XX/XX/XXXX the company requested verification once again. ( See : Ref ID # XXXX ) All the required banking, business and personal identifiable information was sent to the company. 
On XX/XX/XXXX the company placed a hold on the account and funds for 60 days requiring me once again to verify my identity and business information.. ( See : Ref ID # XXXX ) After the continued account harassment and unprofessional encounters via telephone with employees of the company, I requested PayPal to close the account and the company refuses to do so.
Experian 's credit report still has not updated the XXXX mortgages The first mortgaged address identification number is XXXX date open XXXX XXXX First reported XXXX XXXX type Mortgage Terms 26 years Monthly payment {$1000.00} Credit Limit or original amount {$130000.00} High Balance Recent Balance {$110000.00} of XXXX XXXX Resposibility Joint With XXXX XXXX XXXX Status Petition for Chapter XXXX Bankruptcy {$3200.00} past due as of XXXX XXXX This account is scheduled to continue on record until XXXX XXXX Comment Loan Modified Account History filed chapter XXXX bankruptcy on XXXX XXXX, XXXX. How ever this is wrong, We file Bankruptcy on XXXX XXXX not XXXX XXXX, XXXX, and further more we do not owe or behind {$3200.00} this is wrong. We were approved for a Modification from XXXX in XXXX XXXX and when we file XXXX XXXX, XXXX we had the modification taken away but because of the Chapter XXXX they stopped all communication with us. So we had no idea that the modification was taken away every time we would call the answer we got was we can not disgust this with you have your attorney call us. So we paid the modification for a year of {$800.00} and sometimes more when we had it but we had to catch all of that up because of poor communication. Also we do not owe {$110000.00} our balance is {$110000.00}. Please correct this and we did not file bankruptcy on XXXX XXXX, XXXX it was XXXX XXXX, XXXX now the second mortgaged with XXXX XXXX XXXX XXXX XXXX was strip we owe nothing to the second mortgaged and the recent balance is not {$18000.00}. We are not past due and we did not file chapter XXXX bankruptcy on XXXX XXXX, XXXX it was XXXX XXXX, XXXX. Please have Experian fix this. Experian has not removed XXXX XXXX XXXX address identification number XXXX and identification number XXXX date filed XXXX XXXX Calim amount {$1900.00} Status civil claim judgment judgment in favor of XXXX XXXX bank XXXX this is satisfied needs to be removed or changed to judgement is satisfied. please have Experian fix this. and XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX address identification number XXXX and identification number XXXX date filed XXXX XXXX Claim amount {$1600.00} Status Civil claim judgment Judgment in favor of XXXX this item needs to be removed or change to this judgement was satisfied. Please have Experian fix my credit report. they have left all this negative stuff on my credit report and I am trying to get finance for a lower interest rate for Mortgaged. I can not get any where until they fix my credit report.
The debt collector seems hire a detective and call my dad to his cell phone and told them to tell me to call them because there has been filed a complaint against me and game my name. At my knowledge this is inapropriate and illegal. My dad called me worried to tell me that a woman call saying to call her back because a complaint has been filed and he said hope you are ok. I have not received as required by law a verification of debt letter within 5 days of receiving phone call neither as of today. They are behaving like scammers. Need advice.
I have been trying to get a modification for my home " primary residence '' for over a year now. I send the documents that the servicer " SELENE FINANCE '' requests, but they continue to ask for the same documents on a repeated bases, nothing seams to move in the direction of a modification. I was told that the file would go to underwriting, but then they say that more documents are needed, and then they ask for the same documents. I have a foreclosure sale date scheduled for XXXX XXXX 2015.
This is not the first complaint I have submitted about this company. I switched my servicer to FedLoan for the PSLF program. Earlier this year I submitted annual documentation to decertify my income based repayment plan. My payment went from $ XXXX/month to {$580.00}. When I called to complain about this, no one could ever explain to me how this happened. My income did not increase significantly and I had been at the same job. I was assigned a " borrower advocate " at FedLoan. I was put into a REPAYE plan with a payment of only {$200.00}, which I felt was an interest only plan. In XX/XX/XXXX, I found out that my husband also has a significant amount of Federal student loans. I spoke to this " advocate '' about this and she sent me the forms to reapply for the IDR plan. In the meantime, I again received another bill for the {$580.00} which I have repeatedly told them I can not afford. I filled out the form ( earlier this month ) and emailed it directly to the " advocate '' along with our tax returns. Last Friday XX/XX/XXXX I received an email saying they could not process my request due to " missing information '' and that I would be getting a letter telling me what was missing. When I tried to log onto the website to see the letter, the site was down. Yesterday I emailed this " advocate '' and today I left a phone message- no response. Today I got a letter in the mail from FedLoan not saying anything about missing information but that hey could not process my IDR request because " the version of the form you submitted is expired. '' Then I received a letter saying my account had been placed in forbearance to give me time to figure this all out. 
I am someone who has never been behind on bills and has always had excellent credit, and I do not need it destroyed by FedLoan Servicing.
I received an email on XX/XX/2016 from Navient that my payment had increased from XXXX per month to XXXX per month. When I went into my account to see what had happened, it appears they changed the term of my loan from the original XXXX years to XXXX years. I 'm XXXX years into the XXXX year loan repayment and now only have XXXX years left to pay it off. While Navient agents were polite, they are unwilling to honor the terms of the loan to which I had agreed.
XXXX XXXX is collecting and reporting a debt to the credit bureaus when I do not owe. XXXX XXXX is unable to furnish me with a contract that I had with XXXX XXXX and therefore is infringing upon my rights as a consumer.
i HAVE 5 DIFFERENT STATE TAX LIENS ON MY CREDIT REPORT I CONTACTED MY COUNTY TAX OFFICE ; CLERK OF COURT AND IMMEDIATELY GOT A SATISFACTION OF THE 5 TAX LIENS UNDER MY NAME. I CONTACTED THE XXXX XXXX XXXX XXXX  WHO SAID IT WAS NOT TO BE ON MY CREDIT AND SENT ME LIEN SATISFACTION AND LETTERS TO THE THREE CREDIT AGENCIES. THIS HAS BEEN SIX MONTHS AGO AND ITS STILL THERE. ALSO I HAVE A XXXX BILL FOR OVER XXXX ON MY CREDIT THAT IS NOT MINE. HELP ME.MY CREDIT IS HORRIBLE
I disputed information that was on my credit report that is not reporting accurately. Experian stated that the outcome of their investigation is that the Bankruptcy remains on my credit report. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my Experian report of the improper sharing by the credit reporting company. Experian could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ).
I got a notice from XXXX XXXX stating I owe a debt. The original creditor was XXXX XXXX. 

I explained to XXXX XXXX on more than occasion that I did n't have a XXXX account and never have I ever had a XXXX account. 

This has been going on for about a year now. I reach out to XXXX XXXX and explain the situation. They did an investigation and found that what I said was the truth. 

They send me there finding from that investigation, and I sent the same letter to XXXX XXXX proving that I had nothing to do with this account, yet they refuse to remove this negative account from my credit.
My issue is there's truly no checks and balance. I have been disputing charges on XXXX XXXX for several years Ranging from Auto loans and credit cards. I have disputed directly as well as with every credit bureau. Latest dispute is XX/XX/2018 Experian should have received. 

I called regarding why on a letter I received from their stating my report started on XX/XX/2018. They stated they need time to process either way the agent stated they already received some replies back that these items disputed the lender reported back to them. So i question how is it the lender is saying the item is mine and NOT required to send proof and they all just take the word for it. When consumers are required to show proof of their entire existence. 

Where is the accountability. When contacting the lender directly they won't speak to you because they have already written the loan off. All while reporting negative or charged off on reports. When can consumers have the ability to have lenders show some accountability.
On XX/XX/XXXX I contacted Professional Debt Mediation, Inc to pay a debt originally owed to XXXX in XXXX, FL. The amount was for {$1000.00}, the company and I agreed to settle on the amount of {$800.00} with the promise that the debt would be paid off and this would be removed from my credit report within 60 days. Well it is 2 years later and I just got a hard copy of my credit report and what showed up? This debt! That was supposed to be taken off!!! I have attached the letter from the collector I received at the time. I also have the original e-mail and the bank statement that shows the {$800.00} dollars were withdrawing from my account. I have attached some documents for your review as well.