WillisBack/dataset-financial-user-claim huggingface dataset:
My loans have been in forbearance due to part-time enrollment at a XXXX   college. I finished my last class in XX/XX/2018, and my first payment should not have been until 6 months from that date, which would be XX/XX/2018. However, knowing how sneaky private loan servicing companies ( i.e., Navient, my student loan servicer ) are, I checked my balances monthly. I checked in early XXXX and nothing was due. Then I checked again today, on XX/XX/2018, and saw a payment due on XX/XX/XXXX. Navient failed to notify me ( despite me being enrolled in email notifications ), and did not honor the 6-months timeline for forbearance to end after seizing enrollment. I believe Navient did so on purpose, to unsuspecting customers, forcing them to miss a payment. Please investigate, and I will surely be following up with Navient today as well.
The account in question has been reported since XX/XX/XXXX as delinqent and equifax have it as XX/XX/XXXX which it worng and the statue has expired to report the accounts. 
The reporting dates are diffrent than my Experian report by years of 5 plus. 
XXXX XXXX ( XXXX XXXX XXXX
I do not owe XXXX XXXX XXXX or XXXX XXXX XXXX. I have abided by all contractual obligations and have paid rent in full covering the entire stay in the apartment complex. I gave notice and left the apartment paying all rent in full. I left the apartment due to XXXX XXXX instances which there was theft to my property and that my life was in danger due to possible fire. As the result of their unlawful claim in my credit history, I have been denied to rent elsewhere
Due to the Equifax security breach, I placed a freeze on my credit report on XXXX XXXX 2017. I then realized I need to run my report, so I called back to lift the freeze, & discovered I need to pay {$5.00} to take this action. 
I reluctantly paid as, I needed to run my report, but I am extremely angered about this fee since 1st off it is due to lack of secure diligence by Equifax that I have to place the freeze to begin with! And I foresee Equifax taking advantage & making profits off many by their failure! 
1 Example : I am a XXXX XXXX XXXX who maintains licenses in several states. As part of my annual license renewal, the licensing auth. needs to run my credit report. My complaint is - It should NOT be allowed that Equifax can profit over their 'immense ' lack of security protocol issue & charge consumers {$5.00} each time the lift a freeze. Their lack of security is bad enough for an institution that is holding such delicate private information, let alone not holding them responsible to correct & protect the situation. 

I also have a client that is currently held up to enter a Purchase contract of sale, because Equifax will not lift the freeze off her account via the website or call, but she has to send delicate private info to them via regular mail to their office, ( thus putting herself more openly accessed to fraud ), for Equifax to lift her freeze. On top, through her communications with Equifax, no one is able to explain 'why ' she has to mail in her info & no one will confirm how long this process will take. 
These are MAJOR FLAWS. 
2 Credit Bureaus suffice. 

Thank you
This Account was disputed and deleted by the credit bureau ( Transunion ) in XX/XX/2018, it was then sold to another debt collector and is being reported again illegally and Transunion has allowed this!
Not a duplicate Update-You are in violation of the FCRA in not deleting the late payments on XXXX account # XXXX. I have included this time proof, a corrected copy of my credit report from ( XXXX ) showing these late payments have been removed from their records. It is 9 months over due on your records. Please remove the late payments if you are still showing them on my account.
In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise US Dept of Education and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my Experian and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!
I received a call from Trademark Management saying that they have legal documents for me. I do n't believe Trademark Management is a legal company. Their phone number is XXXX. They told me I had to settle or go to court, ASAP. When I called Trademark, I got XXXX XXXX. She told me she was from Pennsylvania but did not know the address for the company. This place leaves threatening voicemails saying I 've been served.
On several different occasions, my credit report was pulled with out authorization. Listed below are the different companies XXXX XXXX XXXX inquiry from XXXX XXXX, XXXX, Capital One inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX
We have experienced an issue with someone having obtained and used our social security numbers to open bank accounts and apply for credit cards. Accordingly, we have filed a police report and notified the credit agencies and initiated fraud alerts. Most creditors have acknowledged the fraud alerts and contacted us before any charges could be made and promptly closed the accounts, or ceased processing. Unfortunately, Fifth Third Bank seems to be the most lax in verifying identities and resolving disputes. They had allowed a checking account to be opened with a token balance and immediate overdraft without contacting us and now seemingly have approved another account ( XXXX ) in our name that we did not apply for. Their fraud department is very difficult to deal with and we find it very troubling that they would allow a second account to be processed after the first event where a checking account was fraudulently opened for {$63.00} and they gave the imposter XXXX initial blank check which they promptly used to overdraw that account. We were able to close out that checking account weeks ago and received verification from Fifth Third just about XXXX days ago that it was investigated and resolved and that we had no liability. However, today we received yet another notice from Fifth Third of a XXXX Account opening and notice of change of home phone number, which again was done fraudulently and with out notice despite having experienced the prior fraud issue. We believe that Fifth Third is not doing their job in verifying identity as required by Federal law and are not being cooperative in preventing the opening of fraudulent accounts or resolving those disputes effectively. After experiencing their weak efforts and response to our identity theft issue I would never voluntarily deal with them for any banking services and would recommend others to think twice before doing so as well.
I disputed these unauthorized inquiries on my report with each credit bureau. 

XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
I had a mortgage that has been paid off/closed for a couple of years, yet one of the prior servicers  ( Real Time Resolutions ) is  reporting that my account is currently 60 days delinquent, AND that it was transferred to another company. This account was transferred to another company almost 3 years ago, and is no longer being serviced by  Real Time . I 've asked them repeatedly to report this correctly, or to delete it altogether, as it 's only reporting incorrectly to   XXXX    (  not the other reporting agencies  ).  This is causing problems with attempting to purchase a new home, and therefore I need this resolved quickly, as I 'm soon going to be homeless if this does n't get fixed. I keep getting the same information from them, they keep sending me a letter stating that the account was delinquent when it was transferred, but they will not fix the reporting of the account. This is the only thing holding up my new mortgage loan.
On XXXX/XXXX/XXXX, I made a payment to Wells Fargo Home Mortgage for {$3000.00} to cover XXXX payments and XXXX late fees. Wells Fargo Home Mortgage has not given me the credit for paying the late fees. I have contacted Wells Fargo Home Mortgage XXXX and each time I am told they will credit the XXXX late fees as paid but it never happens. I would also like to have a typed separate break down of how much was credited to the principle for this loan for XXXX XXXX and XXXX. I am not requesting a payment history from Wells Fargo Home Mortgage because it is a lot of job control information for employees of Wells Fargo and is hard to determine the exact amount.I am requesting for Wells Fargo Home Mortgage to review my payment history and just only give me a direct typed response of how much principle I paid on this loan in the year of XXXX, XXXX and XXXX and the interest rate. Please also for each of these years list each years typed total principle separate for my review. Please also send me a copy of all escrow disclosures for this loan. 

Thank you
Contacted Nissan, shows my account was delinquent in XXXX of 2018. I was not delinquent in XXXX. They need to make the necessary adjustments on the credit report
California Check Cashing won't leave me alone. it's out statue of limitations. They even stocking me. I have a private number. Only one has that number is my Doctor 's only. How they got it they won't say. Breaking privacy act what they doing. Stocking a person against the law. They doing illegal business for doing that. There's a phone call today where a man was threatening me with body harm saying from California Check Cashing. I hope they put this up everywhere. 

My attorney will love this one. Threatening me, Stocking me, Getting private information.
I made all  XXXX  payments - some were late, some on time. The contract did n't state anything about an amount for late fees. I am now being told that I have two additional payments left to pay. I feel that I have made the contracted payments and their website shows only a maximum of 5 % for a late fee, yet nothing is stated in my contract. The maturity date on my contract is  XXXX / XXXX /  XXXX   - and now as of  XXXX / XXXX /  XXXX   they are telling me I owe more. I have attached my contract along with a payment statement from their website and their disclosure from their website.
My wallet was stolen and {$500.00} was taken from my account. M & T bank is denying my claim because they are saying there is no way someone could access my pin # in order to take the money out. I explained that my SS card was in my wallet and my pin was last 4 of my social but that is not good enough for them. Therefore I am out {$500.00} and they are saying there is nothing they can do. They are basically accusing me if stealing my own money.
Issue 1 : Navient reported account negative and have a forbearance dated on XX/XX/2018. Correct credit report. Issue 2 : I asked for lower payments and still haven't got it reduce per representative. Issue 3 : This account was list in my bankruptcy discharge paper work and they said it would be off my credit. The cosigner is responsible.
when i was struggling with income a d couldn't pay I was forced to do a deferment or forbearance that resulted in astronomical interest rates and high payments.
Two days ago someone fraudulently stole {$2000.00} from my Capital One 360 account. It is now over 30 hours later I have yet to have a resolution. I have spent over 5 hours total on hold trying to reach their security department and have only spoken to one person who has informed me it may be another 2 days before " someone '' will call me and actually unlock my account for me. I have sent everything they asked and so far heard nothing in return. Meanwhile I have no access to my money and no way to contact anyone for a resolution. It 's an extremely scary situation and this bank should not be allowed to do business like this!
Good Morning, I contacted the City of XXXX on XX/XX/XXXXregarding the payment of my XX/XX/XXXX property taxes and they stated that have yet to receive them. I called Dovenmuehle Mortgage, Inc. to find out why my property taxes had n't been paid. I spoke to a XXXX XXXX and he explained that a check was sent out on XX/XX/XXXX to the City of XXXX, check # XXXX in the amount of {$2600.00}. I explained that they never received it and he said he would check into this matter. Not sure why I was told this as I elected the check be sent directly to me at the end of the year. I called Dovenmuehle back onXX/XX/XXXXand spoke to XXXX XXXX and she explained that a check was sent to me directly and I explained to her that I never received it ( she could n't provide a check number the amount or a date it was sent out ). She then explained that a work ordered was opened stopping the last check and a new one would be issued within three ( 3 ) days. 

I once again called Dovenmuehle Mortgage, Inc. onXX/XX/XXXX( 7 days later ) regarding the status of the " new '' check being issued to me. I was told that a new check was not processed yet, however they had to stop payment on the other check, so it 's taken a little longer. I was frustrated, so I entered their chat room hoping trying a different avenue in getting answers. I chatted with XXXX and he explained the same thing, a new check would be issued to me in 3-5 business days. I felt hopeful. 

I just contacted Dovenmuehle Mortgage, Inc. yet again today (XX/XX/XXXXXX/XX/XXXX ) and spoke to XXXX regarding this matter and yet again was told the check was " in process '' of getting created and sent out to me. I asked to speak to a supervisor and was connected to XXXX. XXXX explained that since they had to supposedly " two '' checks, this process is taking longer than usual. He added that since it was past XX/XX/XXXX, the check would now needing to be sent directly to the City of XXXX for processing. He said that the new check being sent to the City of XXXX would be processed by Friday XX/XX/XXXX. 

I have been chasing my property tax check from Dovenmuehle Mortgage , Inc. for over one month now and it 's very frustrating to say the least, especially since I pay my mortgage/escrow on time every month. This company is very unprofessional and should be ashamed how they handle their customer 's business. I am never given a consistent answer to any of my questions and it seems very odd that no one knows check numbers of these ghost checks and dates they were supposedly sent out. Very shady! I hope someone can assist in this matter. 

Regards, XXXX XXXX.
I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my XXXX, Experian and XXXX report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my XXXX, Experian, and XXXX reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit report.
Recently receiving all this mail from XXXX, Ive personally never heard of such company. Inside were all these bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for
I have submitted a dispute complain to transunion to remove inquires from my file because they were not supposed to be there but they refused with out any explanation. 
file a dispute XX/XX/2018 and waited for month.
Citi Bank has garnished my commercial checking account without notification. I have contacted them on the phone and in the branch and no repose so far. The account is also joint with my wife and it has a zero balance after it had {$38000.00} in it. I am a head of a household with XXXX kids and have no funds to feed my family. I have hired a lawyer and still no response. Need urgent resolution.
XXXX account continues to be reported as a charge/off when account was not a charge off. Account was paid in full and not charged office. Letter has been sent to credit agency who continues to report wrong information.
My loan was processed at an outrageous interest rate. when everyone else was at the prime rate of 2.5 %. Also they are trying to include my son 's property on my loan. I have instructed them over and over that the lot next to me is not my property. My case is similar to the " XXXX vs Bank of America ''. I was included in this lawsuite and Bank of America gave me {$12.00} but never corrected the problem. I am paying property taxes in my loan for property that is not mine and they refuse to correct this.
I have been contacted several times in regards to collecting a debt from me for a payday loan that I do not recall obtaining. This loan supposedly happened in 2013. I have never received any written documents in regards to this payday loan. For about a year now I have been receiving threatening phone calls from different numbers regarding this payday loan. The calls are coming to my home phone number and my cell phone number. When I ignore the calls it seems as though they come more frequently and more threatening. Also after ignoring the calls from one number for a while, the calls start coming from different numbers. These calls are becoming a nuisance and I would like for them to stop. These people are trying to get me to pay/settle on a loan that I do not remember and pretty sure that I have not taken out. I have a list of the different numbers that they have been calling me from as well as the different companys involved in the harassment. In my last contact with the company involved I obtained the name of one of their representatives. The companys involved are : Highpoint Asset, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Phone numbers involved are XXXX, XXXX, & XXXX. I would greatly appreciated if these calls will stop!
I opened a Citibank gold checking account under promotional terms where if I met the terms I would receive XXXX XXXX airlines AAdvantage miles within 90 days past the close of the statement in which I met the terms. I met the terms and 90 days past. I did not receive the miles. I value these miles at a minimum of {$500.00} so it is substantial compensation for me. I contacted Citigold and they promised an investigation. Nothing happened and they never contacted me. I want Citibank to honor the terms that I met and credit my account with XXXX AAdvantage miles.
I bought a gift card from XXXX for XXXX $ and it had XXXX balance when I went to use it. It was very embarrassing. Usually you should be able to just cancel and get a refund but I have sent multiple emails and the phone number no one answers to. My email registered to the account is XXXX. I know its very little but I think they should be held accountable for their mishap. A response would have been suffice but its just bad customer care to ignore all my emails. Thank you for your time.
Had a subscription for XXXX XXXX. They sent an offer to renew notice, which I accepted. Shortly afterward, however, I stopped getting magazine, so I assume they did n't receive renewal. Afterward, began receiving billing notices from them, which I ignored because I was n't receiving magazine ( nor had I received renewal gift ). Again, assumed they had n't received renewal. Eventually, I decided to make payment because I wanted to begin receiving magazine again. Saw they had gotten payment. Shortly after that, received notice from collection agency. 

At the end of the day, my complaint is that I did n't pay the bill because I had stopped getting the magazine. It 's like agreeing to a gym membership, never getting a membership card because I had n't paid yet, but being billed and considered past due, even though I 'd never been access to the service.
XXXX has been calling my place of work and talking to several different coworkers as well as my boss about me and my financial situation he works at XXXX XXXX and Ive asked him not to contact me at work but says that the law allows him to. Hes threatened to keep calling and talking to my boss. This could get me fired as we arent supposed to receive personal phone calls Thank you XXXX XXXX
XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX   XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX/ XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be  advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,