WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from the Federal Trade Commission regarding Ameritech Financial who I used to consolidate my student loans and start repayment. I am a XXXX student at the University XXXX XXXX  and wanted to get ahead with my payments. I was told I qualified for Public Service Loan Forgiveness and according to the letter, my monthly payments do not go toward paying my student loans. I paid {$300.00} in XX/XX/2017 to initiate the repayment and then paid {$100.00} per month. Now I have to start over again.
I was paying bills with my Chase when I clicked submit apparently it was just after their cutoff time. consequently I got a message saying XXXX of the bills were being submitted and XXXX were not. I did not understand the message so I called Chase to find out what the problem was. During this time the screen timed out and apparently the XXXX payments indicated were sent. XXXX of the payments to XXXX XXXX XXXX was for the wrong amount it should have been {$45.00} and was instead {$90.00}. I was eventually, after threatening to file this complaint, sent to claims. Short version of the story. they told me they could n't do anything because XXXX XXXX XXXX offices were closed. I was told, they would need to send a fax to XXXX XXXX XXXX to explain the issue and the funds returned to chase and placed in the correct XXXX bill payment account ( I have XXXX accts, XXXX for uvers - XXXX for home phone ). I have been on the phone for over an hour today trying to reach a supervisor in the claims dept to get this resolved and have yet to be connected to anyone who can help.
I sold my home on XXXX/XXXX/15 and the mortgage with XXXX was fully paid off and closed. Trans Union is reporting the account open with a {$160000.00} balance. This is preventing me from obtaining another mortgage and I have missed an opportunity to purchase a bargain waterfront property.
Settled to pay a debt with First National Collection Bureau Inc on XXXX/XXXX/XXXX the original bill was with XXXX XXXX for {$1100.00} they agreed to accept {$710.00} and have account settled in full and closed. First national stated they could email and mail me a letter stating account has been satisfied in full once payment is made. Now payment has been made and cleared with the bank on XXXX/XXXX/XXXX and after calling for 3 days I have not received a letter in the mail or an email. I called today XXXX/XXXX/XXXX and the customer service representative states the letter will be mailed today. The letter should have been mailed on XXXX/XXXX/XXXX or at least no later than XXXX/XXXX/XXXX. The company is giving me the run around and not answering simple questions like how long will it take to draft a letter stating account has been settled in full and account closed. The representative informed me I could go online but that only shows the amount I paid and still has an outstanding balance. When I asked the representative about updating the online information she states she will send up the request to her supervisor. I just want a letter and an email sent to me stating the account has been settled and closed for the agreed amount of {$710.00}.
Last year I asked Granite State Management to provide proof of the loans I took out and blocked payments until the provided proof. They provided only two or three things and not a complete list of my loans for which they are taking payments from me. This is by no means sufficient evidence but to keep myself out of trouble I removed the block from my bank account on XXXX XX/XX/2018 so they could resume payments. They did not take a payment for XXXX but they did take a payment for XXXX, which formally cleared XXXX XX/XX/2018. They have not taken a payment since, despite there being money in my account for my loan payments every month. They send unsolicited links to " information about my refusal to pay my loans '' even though I told them that unsolicited links are dangerous and I will not risk my personal information that way. Send snail mail please. They refuse and still send links, accusing me of failing to pay but click their link anyway. I've responded before but now they have blocked all of my emails, including their general info email listed on their website. XXXX is also harassing me now about my supposed failure to pay when I know for a fact that Granite State is just not even trying to take my payments. I verified with my bank that the last payment they took cleared XXXX XX/XX/2018 but they haven't even tried to take a payment since then. They said that GSMR can give me trace numbers they can look up and I tried to ask GMSR for that info but as I said they have blocked all emails from me. You can see where there were no delivery failures to my responses to failures, despite using a general info address. It really seems that GSMR is trying to default me when I could have been paying this whole time. They are not taking the payments they are supposed to take every month and as I said my bank verified that they aren't even trying anymore. I feel that they are targeting me and harassing me and deliberately trying to damage my credit, increase the interest amounts, and hurt my chances of going back to school all because I had the audacity to demand proof of the loans for which they are charging me. They know that the block was removed considering the successful payment they requested and received XX/XX/XXXX.
So Best Buy credit card with My Debt protection they have charged me since 2005 plus to crazy fees if you do n't pay within the promotion I have tried with them they sent me All Forms After I reported it First Time to Say so se I have had 9 yes 9 XXXX sinse they charged Me For a service I never wanted and charging me crazy fees they said maybe I qualify for them re relieve my debt and then they also stated I never called Them witch to me Is sp Upsetting I 've had to struggle a lot of the years being XXXX have my XXXX XXXX and having it be a XXXX I called bestbuy cuz I had all Of XXXX in my bank and I saw my statement for my Credit Line that was only XXXX was at XXXX and oh ya I have n't got anything from there for so long so I well recovering called them and they said if I could pay XXXX they could take anyway all fees and then they said they make a note of it that we talked cuz I did n't have XXXX and I was n't working and I did n't know I was being charged for. Service that should have been offered to help me but instead they said I did n't call and it 's my fault I 'm so upset how can you fix this stuff is a company is able to take an XXXX year old give you a line of Credit charge you a service you did n't ask for them add crazy feeez on top Of your bill but yet you do n't use the charge and you somehow went over your credit it 's just insane
On XXXX I called Experian to request a persistent Dispute remark to be removed from my credit report. Ive called numerous times and keep getting the run around. Ive requested to speak to a manager and have been denied the right to speak to one. They have basically told me to go pound dirt. Ive had to call XXXX and XXXX to have the persistent dispute notations removed and they were kind enough to remove the persistent dispute notations the same day. Im trying to get a mortgage and currently going through under writing. The under writer cant write a loan with persistent dispute notations. I feel Experian is holding my credit report hostage to a Persistent dispute notation, that I have requested be removed. IM reaching out for help because I keep getting the run a round from Experian. All Im asking is for the persistent dispute remark be removed. I have an expected closing date XXXX which leave me 11 days to close and Experian refuses to remove the persistent dispute notation. Pl help if not I will lose my escrow money. Please please.
I have 2 Hard inquries on my credit report from XXXX XXXX XXXX. 
Dates include XX/XX/XXXX & XX/XX/XXXX I have never given these people permission to run my credit nor do I even know who or what this company is besides what I found on XXXX about them. It has caused my credit score to drop.
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question.. 
XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
I have contacted Experian on several occasions requesting verification, the method of verification, as well who completed the verification. I have made the request on several occasions in writing. I have also requested this company to complete an investigation into this matter on several occasions in writing as well. the Company. In my request I have asked this company to investigate, verify, validate and provide me with specific information that supports the information reported and the company only sends me a reply stating they investigated and verified the information but has FAILED to provide me with who completed the verification/validation, what was used to verify/validate the information, yet they have continuously reported the information on my report. The companies most recent response to my request was no different than its 3 previous responses except that they will not re-investigate what they are claiming is valid. I have disputed this matter on several occasions and due to the fact that this company has already violated my rights and ignored all previous requests that I have made in writing and have even responded but did not complete the request that I have the right to make and fell withing FCRA guidelines. I am requesting IMMEDIATE removal of the Bankruptcy Ch.XXXX from my report as well as the account with XXXX XXXX XXXX XXXX XXXX .
My loan is an FHA loan - my principal was $ XXXX one year ago- with XXXX . XXXX sold off the loan to Shellpoint-XXXX XXXX XXXX XX/XX/XXXX. Since then, my life has been a living XXXX. My normal loan payment was XXXX, Shellpoint told me they were initially reducing my loan to {$840.00} per month, then they told me my escrow was short - then they added forced hazard insurance that was a few thousand dollars- but they did not tell me why my account was going to almost double in payments! They have been trying to report to all the credit bureaus that they had my loan since XX/XX/XXXX- no not they just got my loan. XXXX XXXX told me the best thing for me to do was to get a modification because she told me my escrow and taxes were going to go up to XXXX extra per month! I did the loan mod trial from XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX- they extended the loan mod because they told me my escrow was wrong and they needed proof that I had a master condo policy of insurance- I provided these documents to them SEVERAL TIMES- then they told me I needed to pay XXXX in XX/XX/XXXX to fix the 'escrow shortage ' I did so, when I checked my statements- it showed my escrow shortage went then up to a negative {$9000.00}!!!!!! They came back with a modification that was {$1600.00} a month and now they are trying to increase the principal of my loan to {$250.00}! I paid {$240.00} on this loan 10 years ago- shellpoint wants to remove all my equity and all my savings and increase my payments on a weekly basis!! I have recently been told to get a lawyer- but lawyers are costly too- SO I refused the horrible modification and accepted a repayment- the repayment was first only $ XXXX in the rears- I paid them XXXX XXXX- all my savings and my birthday money on XX/XX/XXXX- they used the money to double pay on the months XX/XX/XXXX XXXX XX/XX/XXXX and they said the rest is in undisclosed accounts- and they now are saying I am still XXXX XXXX in the rears!!!!!!!! I just gave them my last penny- and it did nothing. When I googled Shellpoint- they are doing this to thousands of other homeowners- and they are reporting me late to the credit bureaus -so I cant get another lender to take on the loan- but worst- what they report that I owe is false and not at all accurate!!!!!! SOS HELP ME please
XXXX has been reporting XXXX bankruptcies that do not belong to me. I keep on disputing and these credit reporting companies responded with verify and validated which is not true. I went to XXXX Bankrupty Court in person to investigate and Spoken with Court of Clerk. She informed me it could be computer error or someone with same name but they did not verify or validate information on credit file. See attached letter from Clerk of Court
Experian has launched a investigation on the same creditor many many times and keeps getting it wrong. theres duplicate accounts one is right and one is always wrong. the first account from XXXX XXXX XXXX XXXX depicts the information paid and closed. The second shows it was included in a bankruptcy and was late in 2015. after the Bankruptcy was over and it was paid in full. please help me this has been going on for 2 years with no end in site. its  experians responsibility to report information correct and i do n't believe they are.
identidy theft i reported it descrefencies in my experian credit report and hard inquireis i did not apply for any credit.
I am contacting you because my son is a victim of identity theft and his father was XXXX  for using my sons identity as well as mine. My ex husband has the same exact name as my son which made it easier for him to take over my sons identity. Any information in the credit bureaus are fraudulent and do not belong to my XXXXyr old XXXX  son. I am submitting documentation to support what I am telling you and would like all credit files in my sons name closed and an alert put on my sons social because this is fraud. My sons name is XXXX XXXX XXXX XX/XX/XXXX
On XXXX XXXX 2017, my checking account was electronically debited for {$110.00} by Capital One. SInce I was not aware of having specifically done business with Capital One, I called ( several days later, but as soon as I noticed the charge on my statement ) my Financial Institution, XXXX XXXX XXXX, in order to ascertain the origin of the charge. My XXXX representative then placed ( and recorded ) a three-way call to the Customer Service phone number we found on the Capital One website. Initially, the call was answered by a Capital One representative in XXXX who was unable to trace the source of the charge. We ( the XXXX Rep and I ) were then transferred to a call center in XXXX XXXX ( I do not recall the Nation, but made note of the Continent ) where the Capital One representative was also unable to provide the answer to my question and was moreover unable to forward us to somebody who Could do so. At this point, I felt my only choice was to issue a " stop payment '' order to XXXX, a process for which there is normally a FEE. My XXXX  Rep was cooperative and helpful in taking this action. I signed and returned the paperwork on XX/XX/XXXX, and XXXX promptly executed my order. Within 48 hours of the " stop payment, '' action I was notified of my failure to pay a Legitimate Bill by the Menards Credit Card Division, the ACTUAL source of the bill, and that I could be subject to " late fees '' or other penalties. When I initially obtained my Menards Card, XXXX was the entity administering the account. When Menards subsequently changed their service provider to Capital One, I was duly and properly notified, but, being a mere mortal Human, I FORGOT. Because the " fault '' was mostly my own, I DO NOT complain of any illegal financial dealing. I complain of Capital One 's Inability or Unwillingness to answer what I considered a simple and straightforward question ( i.e., " what am I paying for here? '' ) to which a satisfactory answer would have PREVENTED my taking the " stop payment '' action which in turn subjected me to possible fees and/or penalties. For my part, I was Perfectly Willing to provide detailed information ( name, address, even, if necessary, Social Security number ) to locate " my account. ''
Last month I sent a certified letter to Wakefield and associates in regards to a debt they have listed on my credit report! They received the document because a signature was required and through usps it showed me the letter has been signed for. I asked Wakefield to send me a copy of the original bill as well as a breakdown of the amount they are alleging I owe them because this debt is not mine! I never received a bill or anything for this alleged debt, until today I received a letter in the mail from Wakefield stating that basically they will be not sending me any information on this debt, because they have already verified it ... .. I dont know who they verified it with, but it was not me and I would love to see what documents they have of this alleged debt, until I receive this documentation they need to remove this debt from all my credit files
This be on my credit reports. It is not anything I know of. Never wrote me, just put it on my reports.
I wrote Delmarva Collections a verification letter about a debt on my credit report and mailed it by certified mail on XX/XX/2018. I received in the mail yesterday a response with my original letter with the words written on it, " account #?? ". I do not know my account number. I thought sending my letter back with words written on it was very unprofessional. I am an consumer trying to get a debt collector to verify a debt that has been posted on my credit report.
After checking my credit files I realized that an account that doesn't belong to me is on my files. The account is from Care Credit XXXX XXXX. I have tried multiple times to have this item removed from my credit files but it has not been. Care Credit has also removed this item three times, but added the account back to my credit files every time. This account is fraud, I never applied for it, and it needs to be removed ASAP. The account information is as follows. XXXX/Care Credit ... balance : {$12000.00} ... date opened : XX/XX/2014. Remove this account from my credit file, it does not belong to me and is offensive. I have attached copies of my files as well as the police report I filed for this account.
Signedup XXXX family members for referrals on Coinbase.com. Coinbase at that time offered {$75.00} for each person referred to their service. I referred all XXXX and they met the terms Coinbase intially offered. Signup took a while do to money transfer timeframes setup by Coinbase. In that time, Coinbase changed their promotion and terms to {$10.00} for referrals. When asked why, they said they could change terms at anytime ( even if signup up for {$75.00} referral bonus ) and that family members did not meet the terms either. Felt like they just change terms to disclude giving out referral bonuses.
The XXXX Homedepot collected a payment of {$520.00} via the phone for a recent flooring project and it is not reflected on my card statement. This payment was made after Homedepot charged my account for {$4000.00} plus dollars. The Rep said it was an additional charge that the installer quoted during the job and I had to pay it. In order for the job to be completed, I promptly paid it. They placed me in a very bad situation by not even allowing me a day to sort things out. Although I had paid upfront for the job based on the quote, they suddenly came up with this overage out of the blue. Now, the money has not been applied to my credit card account. I contacted XXXX XXXX, manager at Homedepot, and he indicated that the accounting dept would contact me. I have not been contacted. I will attach my documentation so that you can clearly see that my payment is not reflected. This concerns me and I think someone at Homedepot has mis-applied it to another account or even worse, my have placed the funds in their account.
Looking at my report there's fraudulent unknown inquires on my credit report mostly on the date of XXXX, 2017, and others
On XX/XX/XXXX, I file a complain with cfpb in response to Bank of America inquire, I was contact by Ms XXXX XXXX the Regulatory Complaint Department She need to Verify to see if i was the one who submitted the complaint, I also tried to contact her to let her know that i was the one who contact and submit the complaint by i lift her a vice also to point this out, On XX/XX/XXXX came i got an email stating that it need Authorization from me which they dont have or was provided with so today i am resubmitting this complaint letting both parties that I the consumer is resubmitting it and if you need any other please reach out to me and also let the person who is responsible point of contact for bank of america be reachable for the consumer during busing hours and please returned my calls even when i an unavailable sometime during the day hours, I hereby state again that the consumer is resubmitting this inquire not a Third Party as was stated in the first Response I Received Back from CFPB. 

ON XX/XX/XXXX I ANSWERED TO A XXXX AD THAT WAS ADVERTISING FOR WORK. A MALE NAME XXXX ANSWERED ME AND STATED THE FOLLOWING TO ME, I WORK WITH XXXX XXXX XXXX. WITHIN THE LAST YEAR A PRIVATE MONEY ORDER COMPANY HAS BEEN TRYING TO TEST AND IMPROVE THEIR MONEY ORDERS. THE OVERALL GOAL IS FOR THE MONEY ORDERS TO CLEAR WITHIN HOURS INSTEAD OF DAYS. EVERY TIME I HELP TO TEST THEIR MONEY ORDERS, XXXX GET PAID. XXXX FURTHER STATED THAT ALL I HAD TO DO IS WITHDRAW WHAT I DEPOSIT AND ASKED WHAT BANK I WAS WITH AND WOULD I BE WILLING TO OPEN AN ACCOUNT FOR IT WITH XXXX XXXX AND THEY WOULD PAY THE OPENING FEES AND AND THAT I CAN EARN {$1000.00} PER WEEK. I STATED THAT I WILL GAVE XXXX THE BANK INFORMATION AND MY HOME ADDRESS AND FOR IT TO BE DEPOSITED. XXXX TOLD ME TO MAKE SURE I GOT A MOBILE BANKING ACCOUNT TOO AND THEN ASKED FOR THE ACCOUNT NUMBER AND ALL MY PERSONAL INFORMATION. ON XX/XX/XXXX I OPEN ON ACCOUNT AT ONE OF YOUR BANK OF AMERICA LOCATION IN XXXX MA FOR A BUSINESS RELATED MATTER, ONE WEEK LATER I ORDERS THIS ACCOUNT TO BE CLOSED DUE TO THE FACT THAT THIS ACCOUNT TURN OUT TO BE FRAUD/SCAM RELATED, BACK IN XX/XX/XXXXI TRUED TO OPEN AN ACCOUNT WITH XXXX XXXX AND WAS REFEREED TO XXXX XXXX CONSUMER AGENCY FOR MORE INFORMATION, ON XX/XX/XXXX, I REQUESTED A COPY OF MY CONSUMER RESORT FROM XXXX XXXX AND IT WAS EMAILED BACK TO ME ON XX/XX/XXXX. ONCE I CAREFUL LOOK THROUGH MY REPORT I SAW THAT BANK OF AMERICA OUTLINE AT THE TOP OF IT ( Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner ) I BELIEVED THAT THIS NOTE ON ME ON FILE IS REPORTED UNFAIR AND UNACCEPTABLE FOR THE RECORD OF ME AND I NEED IT TO BE REMOVED AS SOON AS POSSIBLE THAT FACT THAT SOMEONE USED MY ACCOUNT INFORMATION TO DEPOSIT FAKE CHECKS TO THAT ACCOUNT AND I REPORTED IT TO THE BRANCH SHOWS THIS IS AN TOTALLY UNFAIR ACTION. PLEASE RE-INVESTIGATE AND REMOVE THIS NOTE FROM MY CREDIT HISTORY WITHIN 30 DAYS OF GETTING THIS DISPUTE NOTICE.