WillisBack/dataset-financial-user-claim huggingface dataset:
Nelnet student loans servicer is reporting my loans increases interest while in deferment in red to appear as a negative then right under them in red they are reporting my student loans in blue to look as if I have loans than what is actually. 

They did this just in XXXX or XXXX. When I filed a complaint they removed all of my loans in red. Now they have replaced them in XXXX, XXXX. 
I have had these loans since XXXX and XXXX had they reported my loans in red for each time interest is applied to my balances while in deferment until XXXX and XXXX. 

I believe Nelnet is purposely placing the list of my outstanding loans in red and blue to make my creditworthiness damaging and make me look like I have 100 loans when thats not true.
Ocwen approved be for a trial modification after I completed my trial period in XX/XX/XXXX. Every XXXX weeks I talked to my rep and she stated the paperwork for the permanent modification was being completed and would be shipped to me via XXXX. Each time every XXXX weeks there would be an excuse to why the paperwork was not sent out. On XXXX XXXX I was called by ocwen and told my paperwork was complete and being overnighter to me. A XXXX later I called and stated I had not gotten my paperwork. My rep told me my loan had been sold and they actually had not sent out my paperwork and it would not be complete prior to the sale. This was on XXXX XXXX XXXX full months after I completed my trial program. Now XXXX has sent me a document claiming my balance of of XXXX and XXXX in unpaid overdraft fees which is incorrect is due. Why was n't my trial modification paperwork completed back in XX/XX/XXXX per federal regulations. There also was an overage on my escrow account which has not been posted to my XXXX account ad attached.
On my credit report i have many accounts that were closed, but these accounts are very old from the early XXXX 's and its been far pas XXXX years where they should have been deleted. I would like to have them deleted cause they are having a negative impact on my credit report.
This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. 

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 


The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 

So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' I request that you do this immediately, which I am sure you are already aware of.You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611. 
If your company, Equifax, fails to comply with federal regulations by credit reporting agencies ONE MORE TIME, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violation of the Fair Credit Reporting Act
They keep harassing my sister and other relatives about my debt and claiming it to be more than they purchased my debt for. constant harassment even after i asked them to stop contacting me i changed my cell phone number plenty of times.
I opened a credit card account with Macys in XX/XX/XXXX. The sales associate put my old mailing address from my license which I did not notice at that time because he did not ask this question of my current mailing address. I wait for my card to arrive in the mail for a month but I do n't get one. So I decided to give a call to their customer service number. I mentioned to the representative that I do n't have the card with me, but I like to make the payment and I confirmed my identity as was asked by the representative. she insisted that she ca n't take the payment till I have the card with me, so I reasoned that since I do n't have the card and I do n't know my payment due date, I will be late on making payment and then you guys will charge me late fee. she was not willing to tell me my due date, but agreed to take the payment after talking to some other person. after while she says the payment processing system is down and I should call back to make the payment. I call back in a couple of days again to make the payment and I am told that it is late now. I told them that the other day another representative was n't willing to take my payment and was n't willing to tell my due date, so how can I make the payment on time? After another month, I call back to make another payment and I repeat the same thing that I still have not received my card yet, but would like to make a payment and not sure if I am late on making payment. This time the representative tells me that I have missed the due date. She offers to verify my mailing address and then I tell her if my old address is on record. she tells me that this is the case of old address on record. she tells me that she will go ahead and update mailing address and send me a new card to that address and also wave the late fee because it was n't my fault. She told me not to worry about late fee being charged. I receive my card this month and I log into my account to find out that I am charged late fee in the last two months, so I decide to give them call again. This time the representative tells me that what do I want him to do even after explaining all the situation. when I ask him to reimburse my late fees because it was not my fault and I did my part to reach out every time. he says everything is being documented, but he can only reimburse {$18.00}. I said how is that possible since I was not at fault and I was assured of not being charged late fee. And when I tried to make the payment on time, the representative tells that their system is down. so I feel that they are using the deceptive practices of charging customers late fees under the pretext wrong policy of not sharing the due date even after verifying their identity and not taking the payment before due date so they can put the blame on the customers after the due date is passed. I am sure I will be vindicated if their recorded calls record is asked for as they will not share that with me. All I asking for is to wave those late fees as I was not at fault at all. Please guide me for the right remedy for this problem.
I had a credit card through USAA, it was an XXXX XXXX card. I have always paid the credit on time and usually pay more than the minimum balance, so they have a minimum payment of {$00.00} due each month. XX/XX/2016 they put a minimum payment due of {$15.00}, of which I was not aware of because I have not had a minimum payment due in over a year and beyond. On XXXX XXXX, I got a phone call from a USAA collection agent requesting me to pay the over due balance. I paid the balance in full and requested them to reverse the 60 day late payment on my credit report. They refused to reverse the derogatory item from my credit report. I have not had a minimum payment due on this credit card for a very long time, so, I never thought they would install a {$15.00} minimum due. Therefore, I do n't feel this is a fair way to treat a consumer who has always paid this credit card on time. I want to file a complaint on how USAA 's no minimum payment due for many months / years and to instill a minimum due without alerting the consumer is not fair treatment. This {$15.00} minimum due that is 60 days late will now greatly impact my credit score, again which is not fair to me the consumer.
I have submitted many claims over the past six months regarding an account that appears on my credit history from XXXX XXXX showing a balance of $ 700+ owed. I have contacted them on numerous occasions ( transunion, XXXX, and now today, XXXX ) to explain that I had never opened another account with XXXX XXXX after an issue I had with them back in 2010 where they had charged me XXXX for multiple cash advances and charges made to the card. I never would go back to XXXX XXXX again, this account that shows up is not mine. Recently XXXX called me to explain that the gentleman who 's ACTUAL account it is resides nowhere near me, and his name is nowhere near mine. They immediately removed it off of my account, and removed the hard inquiries during that year period that showed up, that I never made. In fact both XXXX and Transunion were supposed to have a Fraud Hold in place, I 'm not sure how there could be any inquiry or card opened during that period without explicitly contacting me. Either way, after XXXX took care of the incorrect information I reached out to Transunion to do the same, they keep saying they have validated that the account is mine. I have explained to them multiple times that I was not even in the state at this point in time and could not have opened an account, let alone the fact that I was trying to rebuild my credit from the past problem with XXXX XXXX. I just reached out to XXXX as well and still have not received a reply. The information on the XXXX XXXX account has my wrong phone number, my old address, and the purchases were made in a state I was not in during that time. Please help me, I own XXXX businesses since the beginning of the year and the lingering bad credit is hurting my chances of expanding. Thank You!
I recently refinanced my home loan, the purpose was to escrow my insurance and taxes. Later I found out that was not done, I even asked the notary before my signing. I believe I was deceived and taken advance of because of my age. My payment is higher and my taxes and insurance was not set in an escrow. The company paid the first year of taxes and insurance but told me I would have to pay them back.
I have a mortgage with Plaza Home Mortgage Inc. for several years now, I have had nothing but problems with them from the very beginning. They make it impossible to do anything very unhelpful or willing to work with people. There online site has not been available to me for several years it might work one month but not the next, tried so many many times working with there IT people and it never gets resolved. I must of spent a year off and on, on the phone many hours and nothing. I gave up and make the payment through my bank! 
Last year I had to file bankruptcy and they would NOT send my statements. OK my bankruptcy has been done and gone for several months my attorney and I made several attempts to reaffirm months before our dead line but never got a response we made several conference calls to there bank R dept and spoke with the woman handling my case she kept telling us there was not enough time for them to do it. We told her we sent what she needed months ago and there was no reason they had, had plenty of time finally the day of we called again spoke to an attorney for them and he said it was to late. Well ya, but we had attempted for several months. Nothing he can do, later that day XXXX minutes before XXXX our time they sent the fax there was no way for my attorney to get a hold of me and for me to get to his office and sign everything and fax it back in time! Also I live in XXXX and he is in XXXX which is about 20 min away! I have contacted them several times since explaining that. They just keep saying your still in the bankruptcy department and it will stay there and because you did not reaffirm we will not send you your statements! It has been close to a year now, I have no idea of where I am at or what I owe or anything! 
I have never been late with any of my payments. I have made all of my payments thru my bank and they have not sent any back! 
I happen to see on the back of an old statement in a box in all caps. 

Additional Notice to customers who are in Bankruptcy or whose Obligation has been discharged and NOT Reaffirmed : All the information contained in this Mortgage statement is required to be PROVIDED to CUSTOMERS BY APPLICABLE FEDERAL REGULATIONS PROMULGATED BY THE CONSUMER FINANCIAL PROTECTION BUREAU. 
How can they do this? And have this printed right on the back of there statement and know they have to and they refuse???
XXXX XXXX XXXX placed a collection account onto my credit report for {$370.00} XX/XX/2017. This account was previously removed. According the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report you are in violation of the FCRA.
Initiated wire transfer withdrawal from Conbase/XXXX account for {$30000.00} on XXXX XXXX, XXXX to bank account. Amount was immediately debited from account. It is now XXXX XXXX and wire transfer has not been received. 

Phone support does not respond to transfer problems and refers them to email support. No response from email support to multiple requests. 

transfer XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX Transfer ID : XXXX Customer support requests : reference to XXXX # XXXX reference to XXXX # XXXX
I opened an XXXX Mileage credit card issued by BankofAmerica on XX/XX/XXXX. The welcome bonus is XXXX miles + {$100.00} credit after {$1000.00} spending in the first 3 months. I checked with the customer service on XX/XX/XXXX and the CSR told me that I met the spending requirement and the bonus should be posted in 1-2 billing cycles. The CSR also help deal with some wrong fee charges. I also checked that the total charge on my account since XX/XX/XXXX is over {$1000.00} and I think I am good to go. However, I checked with customer service earlier today to see the status of my bonus and was told that I did n't meet the spending requirement and the info provided to me last time is wrong. The difference is from the annual fee charge and it does not count towards the spending requirement. While I agree with that, I find it not acceptable for the CSR to provide me misleading information in the first call and the wrong information caused my failure to meet the spending requirement in time ( I have another few days to meet the spending requirement if I was told the correct information during the first call ).
Purchased my home with XXXX who later reassigned to XXXX XXXX XXXX who then reassigned to various subsidiaries then reassigned to Caliber Home Loans. XXXX had me apply for a loan mods from XXXX to XXXX. Received a loan mod that reduced the interest rate but increase the monthly note. Caliber took over in XXXX XXXX, filed a notice of default and proceeded to foreclose. I 've tried to do a loan modification, Caliber Reps stated my package was incomplete and they are not corresponding with me timely to avoid and comply with the loan modification process. I am trying to save my home!
I refinance my house 2 months ago and I did n't receive my escrows back from Sterns Lending XXXX
I have been informed that negative information was reporting on my credit report by a collection agency with the name CMRE. I contacted this company by certified mail twice. on X/XX/2017 & XXXX XXXX XXXX to get validation of debt amount owed. This company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the USPS that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since. This company states I owe XXXX $ but I will not pay this collection agency any of my money without validation. This company have not contacted any of the credit bureaus to mark my account and disputed which now they are violation of Fair Debt Collection Practices Act & Protection under the FCRA Section 623. I need this to be removed from my credit report due to this inconvenience. I have been trying to get this company to validate this debt. I have called this company multiple times, spoke with manager & before she could give me any info, she released the line in my face. I did receive all communication from this company & yes this company has marked this account as disputed on my credit report. however I asked to company to validate this debt bearing some time of contract bearing my signature but this company is only " verifying '' this debt by sending me a statement. Per the FCRA I am entitled to have the debt validated per my request. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. I have also attached all the communication from CMRE as well as the letters I sent to CMRE as proof that they are ignoring my request by only sending me a statement & no contract bearing my signature I have been requesting documentation from the company since XXXX of 2017.  I have no choice but to make a few more complaints with the Attorney General as well as file a claim in small claims court that is near my local venue. I have all documents between me & CMRE and will use this as evidence that my request is not being fulfilled but yet still reporting inaccurately on my credit report. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. I sent a complaint through the BBB and this company CLOSED the complaint without giving any information of if they will be sending " validation '' for the debt & not a itemized statement.
I have been trying to get a credit card open with Citibank and I was denied, cause of a credit score. After calling Citibank I was told something was in collections and to call XXXX. After calling XXXX multiple times I was unable actually get a hold of someone to tell me what is in collections. XXXX even gave me the option on the automated message for the hearing impaired and I hit that button and XXXX hung up on me saying " we are unable to help you, goodbye ''. Then I am calling Citibank to try to get an actual phone number for this credit company and they refused to help me saying I have to call this credit companies there is nothing else they can do to help me. I even have it on my record of me calling them three times to try to get a different phone number or get somewhere where I can find out where my collection is that I have no idea about. No one has been able to answer any of my questions and the credit company is refusing to help me as well and just hangs up the phone on me because there is no one even able to speak to. And now Citibank refuses to reveal what is in collections and will not give me my credit report that I am lawfully owed for free.
I was contacted by ADR solutions about a debt they are trying to resolve out of court for their client XXXX. They stated they are not a debt collector but a legal firm and to avoid felony warrants being filed for a debt they claim I did not pay in 2015 that I would have to pay XXXX dollars. I asked for a validation letter via usps mail but they declined and said they only send via email. They said this is to stop me from being processed for bank fraud and that they will file the paper work if i do not pay. I just wanted to know what the debt is and to see the actual legitimate paper work but they again refused. I called XXXX XXXX and they say they are not affiliated with whoever is claiming to represent them. I out of fear sent them XXXX dollars until I spoke with a friend who is an attorney and said to stop payment to them and not do anything unless they verify the debt or show you proof of who they are. They would not disclose who they were or the address or any information on their supposed client besides it was XXXX. I could not find any collection on my credit report showing this debt or anything close to this. I received a call from a superior court clerk in another county saying this company was looking to file charges on me but they had filed it in the wrong place and to not turn myself in for a warrant. I found that strange and called the court and the only 2 people in the office said this is impossible as they had no information or any idea what I as talking about. So I am thinking they sent bogus paperwork to this superior court so they would contact me or they used the phone number thinking it was my county to send a fake phone call. This was very terrifying and has cost me XXXX dollars. i called back one last time today and again demanded some valid form of identification or verification in writing of this debt and they refused and sent me an email that is actually a word document they created stating I owed money. I will continue to follow up to resolve this.