WillisBack/dataset-financial-user-claim huggingface dataset:
Honestly, do n't even know where to begin. I have n't had a student loan since 2002. My original balance was about XXXX. Somehow, no matter how much I 've paid on it since then, the balance never goes down and now says I owe over XXXX?? Student loan companies are ripping people off every day. Anything, my credit report show student loans from other lenders, where contracts were sold over 12 years ago. I have asked to have them removed, but they are still remaining on there. I have them garnishing my wages, hundreds of dollars in the past, but yet they refuse to show me my payment history and where the money was applied that I paid. Now I have a new company which says XXXX, aka great lakes, reporting to my report I am in collections. I went online and set up and rehabilitation agreement and pay them every month. However, When I call them to ask why I am getting collection notice increases on my reports every month, they said I have no account with them. So who am I paying once again??? It 's killing my report, that I have XXXX student loan, but XXXX different ones showing on report, from different lenders. No one has sent me any verification per my request with payments I made or payments garnished. I anything showing a student loan from past or present removed from XXXX reports. I am fine having my report updating with my current payment rehabilitation program, but no one seems to know where that is going!! These accounts being reported on my account are all in accurate and need to be removed immediately. I am trying to buy a house. I ve paid more in interest over the years than my original loan ever even was!! Just rip off and I have no degree to show for it. uggggg Please have them update my reports showing XXXX student loans. Older ones should of been removed anyway, they are over 10 years old and not even the correct lenders. The school I went to for a year, isnt ' even open anymore to give me any information either. 

PLEASE NOTE.. IT WAS FOR XXXX XXXX XXXX IN XXXX XXXX. I CA N'T UPDATE THE LINE BELOW WITH IT. KEEPS REJECTING IT OR KICKING ME OUT.
We received on XXXX XXXX foreclosure sale of home, this is the XXXX that we had hears about the sale. We did not received a Registered letter indicating the sale of the home, I was told that the Certified letter was returned to processor because of undesirable address,. We receive our mail at a PO Box because we have had problems with kids taking mail out of our mail box. All the processor had to do was look at the address that we have received mail at for over a year by Nationstar.
There are fraudulent accounts appearing on my XXXX  and Equifax credit reports. The accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.These 3 charged off accounts and 2 collection accounts are fraud as I was a victim of ID theft.
In XXXX 2017 Equifax was hiding the fact that the company data was hacked. My information was included in that hack. I was receiving their membership services advertised as protection against identity theft when my information was stolen in the hack. I was paying {$19.00} per month on or around the XXXX day of each month via direct debit. After I switched services to their free offering that they began offering after the hack, I continued to be billed. I contacted the company who refused to give me a refund even though I had been a victim of the hack, and also had enrolled in the free service which should have stopped me from being billed any further.
I am recently divorced. My ex-wife and I both purchased automobiles through XXXX XXXX XXXX on our own individual cognizence without involving the other party. XXXX of these debts show up on my credit report. She is responsible for her own debts in the settlement order. The load she made at XXXX is the responsibilty of XXXX XXXX alone. Please tell me how to get this removed from my credit report.
I recently had repossession of my vehicle, The vehicle was under mine and my wife 's name. I went through a divorce. Never spoke to her. She had the car for 2 years without making a payment..capital one never contacted me ..until a a couple of months ago. When the repo man came to the door.. he was looking for the truck and told him my ex wife has the truck. I ended up getting the truck back and called capital one and told them what had happened. The rep said that if I can pay on it for 12 months that I would get the title and the car paid off. I was happy to work out the plan because it seemed very nice for them to work with me and understood my situation. After paying on the car for 4 months on time..they repo ed the car and told me that I would need to pay the whole balance to get the car back ... I think this was hugely miscommunication with me.. now I have a repossion on my My credit report. And trying to buy another car is very tough. I felt I was done very wrong and violated numerous laws.. please help! Thanks
E-payments initiated through BB & T have the funds held out of the account at around XXXX the day the payment is initiated, these funds are held unavailable until the day the payment processes, usually XXXX business days. On XXXX occasions, this has caused some other checks to overdraft. That is to be expected. On these occasions, however, when the e-payment finally posted, it also was charged an overdraft even though the funds to cover the payment had been held out of the account for several days. I understand incurring XXXX charge, but there is no reasonable explanation for charging an overdraft because funds were held to cover a specific payment and then again for the payment that had funds held for it. You can do XXXX, but not XXXX. 

Additionally, BB & T claims a check deposited on XXXX was not available to cover payments made. BB & T posted the check on XXXX, the account the check was written from cleared the check on XXXX, it shows on the ledger balance as there and the account with a positive balance. They still claim it was overdrawn but can not explain exactly which order the checks cleared or the times they hit the account. 

Finally, on Tuesday, several checks overdrew the account ( due to e-payments holds ), XXXX employees cashed multiple checks into their accounts and while one would think those checks would post together, they were posted by BB & T not in the groups they were cashed in but rather in order to maximize the number of overdrafts that could be charged.
Experian has sent me a letter stating that they will not reinvestigate the fraudulent account listed on my report which is XXXX XXXX XXXX. This account keeps adding fraudulent charges to an account that is currently closed and charged off as bad debt! Experian is in violation of the FCRA law, by law experian has to report accurate information on a consumers credit report! The amounts Are different on each report I have attached the reports showing the different amounts {$6200.00}, {$12000.00}, {$14000.00}, and {$25000.00}! Experian is not reporting accurate and complete information, they must deleted the account now!
I OPENED MY SAVING ACCOUNT WITH CIT BANK ON XXXX XXXX,2017.THEY PROMISED ME BONUS AFTER THREE MONTHS OF OPENING ACCOUNT. SO FAR I DID NOT GET ANY THING FROM THEM. THEIR CUSTOMER SERVICE IS VERY BAD & ONE HAS TO WAIT FOR LONG TIME. IT LOOKS LIKE A SCAM TO ME.THIS BANK IS NOT TRUSTWORTHY AT ALL.
Bank sent me a letter to close my account because I would not allow my employer 's name to be connected with my account. Bank refused to refund me {$25.00} dollars as they were supposed to on XXXX XXXX, 2017. This is the worst bank ever, they view their customers as XXXX XXXX and XXXX. No one should continue to use this bank they look down on people are very bias. Branch Manager, XXXX XXXX XXXX, very nasty dealing with customers.
On XX/XX/2018, I received a letter from a debt collector XXXX XXXX claiming that a debt was owed by me to another debt collector JTM capital. I responded with a cease & desist letter on XX/XX/2018 that they received on Friday XX/XX/2018. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The response I got back was a letter dated XX/XX/2018 of a  debt verification notice which is not the proper procedure of a cease & desist in pursuant too the FDCPA, which is in violation of the FDCPA 15 USC 1692e ( 10 ) false and misleading representation {$1000.00}. The FDCPA is clear on a 15 USC 1692 cease & desist letter what is to be done. ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. As you will see in their  response letter, XXXX clearly did not do any of the following, they used false and misleading representations to try to collect this debt which not owed to them. I have never agreed to pay them which violates the Ohio Statutes of Frauds ORC 1335.05 which carries a heavy fine of {$10000.00} US. Furthermore, XXXX furnished a deceptive form that is attached to this complaint, which violates 15 USC 1692j ( a ) {$1000.00}. As you will see in their response that they are not even registered to collect debts in Ohio, and by sending this communication through the mail it also has the following criminal violations : 18 USC 1960 Civil Rico {$10000.00} to each party including criminal charges ; 18 USC 241 Conspiracy against rights ; 18 USC 242 deprivation rights under color of law {$10000.00} to each party including criminal charges ; 18 USC 1341 Fraud and swindle, {$10000.00} to each party including criminal charges ; 18 USC 875 Interstate Communications with the intent to extort, {$20000.00} to each party including criminal charges. XXXX XXXX are using my Social Security Number with out my permission and that violates the SSA and the privacy act of 1974. I Have sent out a Notice & Demand to XXXX today, XX/XX/2018, demanding the damages that owe me for this violating act which the total sum is quite extensive, and further, will file criminal complaints to the justice department for their criminal violations concerning this debt.
I have filed a dispute to have XXXX showing as paid in full. It was paid in full XX/XX/18 with the last payment. What they have done is added a comment stating account settled for less than full balance and it also show current status collections/charge off which is not correct. It never went into collections. It was charged off. I called the company and was advised that is something the credit bureau is doing and I need to go through them which I have done already. Instead of using an electronic system, they actually need to manually verify and if they did then could have verified the full balance was paid. It was paid in full with the last payment
On XXXX XXXX, XXXX, I entered into a payment arrangement with XXXX XXXX XXXX XXXX XXXX, for the purpose of rehabilitating my student loan. I spoke with their representative who I noted as being XXXX XXXX. The arrangement was to pay {$32.00} per month, 9 payments in 10 months. I provided information to allow for direct withdrawal from my checking account. A payment for {$32.00} cleared the checking account on XXXX/XXXX/XXXX. I sent in a signed form agreeing to the arrangement. They have taken no additional payments and now I have received a mailing from XXXX XXXX XXXX threatening additional action on a balance that appears to be a few thousand more dollars than before. I allowed the previous company to debit payments from my checking account and yet apparently face even more financial ruin than I already have. I already have too much on my plate with finances, health, and family issues.
Around XX/XX/XXXX due to a credit monitoring service I noticed a fraudulent XXXX XXXX account was opened in my name. I disputed the account with XXXX and the account was removed completely from my credit files. 
Now a company called XXXX XXXX XXXX has placed a collection on my reports claiming the account was assigned by XXXX XXXX. I called XXXX who reported to me that they removed their tradeline due to fraud. I was advised to file a complaint and submit a dispute. 
I have yet to receive proper validation required by the FDCRA or received any correspondence regarding they own the debt and proof that the debt belongs to me. The account was just placed on my reports without any notice. I am 100 percent sure there are no such documents because the account is fraudulent.
I have a cash reward card with navy federal credit union .I received the card in XXXX of this year. my first payment was in XXXX this year. minimum payment {$20.00} but I pay {$50.00} a month. since I have the account I have paid {$200.00} on the account the amount Is still at {$400.00}. plus the money that receive from the reward card from the purchase that I made. from using the card have been added in the the amount that I owed from card. the reward card was {$500.00}. I had spend All most all the money before I started to make payments on the card .and I know by me paying more each month on that account. that the extra payment should cover whatever charges that they are charging me each month.
I recenctly filed a complaint with cfpb to have a bankruptcy to be removed from my Equifax credit report. When the investigation was complete the bankruptcy was removed and XXXX negative items were added. This could be coincedental I found it odd right after a complaint. I 've since disputed the items that do not belong to me but it seems Equifax has no sense of urgency of getting the items removed. I reached out to the creditors and the social security numbers do not match on these accounts that were added. There are duplicates that 's on my credit report this caused my score to drop XXXX pints in XXXX day. They never verified the social security number they just added this to my report. I took the time and contacted each new item on the report and the last four of the social security numbers does not match mine.
My mortgage was sold from XXXX XXXX to Selene Finance and my automatic payments began coming back to me, in the form of a check payable to Selene Finance. These payments were paid biweekly and included more than the amount due. Never was I contacted via phone or email. Only the returned checks, which took weeks were my evidence that there was an issue. After 3 checks, {$2100.00} that was deducted from my account from a 3rd party Bill Pay system, I still owe the {$1400.00} mortgage payment. Trying to get in touch with Selene is harder than crossing the Southern border of the US. No less than 4 hours have been spent on hold or speaking with a representative with no solution. Late fees and extra interest plus a huge hit on our credit scores are a result of this companies terrible negligence in customer service.
XXXX XXXX XXXX divided bill to companies with identical names & same unique blue/yellow bills " XXXX XXXX '' and " XXXX XXXX. '' I paid XXXX off. Did n't ' realize XXXX entities. Once realized, offered to, and started paying monthly XXXX. ( Payments via money order not attached. ) XXXX submitted to credit bureau XXXX/XXXX/15 claiming " no payments. '' Disputed. XXXX responded with misleading info regarding my intake, refused discussion, and refused to remove. Continued dispute. XXXX removed. XXXX did not. I continued monthly payments. Accepted. Now, XXXX sent to new collections agency, that reported on XXXX and XXXX. I did nothing wrong. Costing me higher premiums, interest loan rates, etc. Not fair.
Capital One is reporting my business credit card as being 30 days past due to the Credit Bureaus for a mistake made after I closed a personal credit card account held with them which was paid off. Evidence shows that I was enrolled in their Auto-pay system to avoid late payments. My Auto-pay profile was cancelled by Capital One for the wrong account which caused my account to go past 30 days and evidence shows my payments were being made on-time until the mistake was made but they are refusing to correct their mistake. There was no reason for me to personally cancel my Auto-pay profile.
XX/XX/2018 I disputed a collection account that claimed I owed for pet severe damage to a carpet in the sum of {$1900.00} reported by a collection company called XXXX XXXX. I had issues uploading supporting documents to XXXX showing that my son and I are both allergic to pets. There is also proof in my lease agreement that I never owned pets. I was ever fined or charged any pets fees over the course of my stay at the apartment. I was finally able to upload documents XX/XX/2018 yet XXXX will not reinvestigate I had even called a spoke with someone personally XX/XX/2018 and he said they would reinvestigate and the investigation was complete the next day. If XXXX doesnt resolve they will be included in my lawsuit against the debt collector and the original creditor. 
Prior to all of this we tried resolving with original creditor and in return were ignored and sent to collections, tried to explain to collection agency, and now XXXX has failed to do their investigation properly. 
As you will also see I have proof that we did a walk through with the apartment, they told us we didnt need to clean the carpet as they have a professional carpet cleaning company. During the walkthrough they mentioned NOTHING about the carpet needing to be replaced, yet replaced the entire carpet when we moved out. I have attached photos.
For the past 12 months I have faithfully watched my credit scores fluctuate up and down. I paid off all creditors between XX/XX/XXXX and XX/XX/XXXX. My score, slowly rose to a XXXX ( XXXX ) and XXXX ( Transunion ). I unfortunately was unable to establish and maintain gainful employment of no fault of my own which forced me to file bankruptcy, which gravely effected my credit. Even after my bankruptcy, I did not attempt to obtain credit. My credit score slowly increased to XXXX for both Transunion and XXXX. In XX/XX/XXXX it dropped drastically.It dropped 92 points for XXXX and 91 points for Transunion. It stayed this way over a course of 3 months for Transunion and then made a drastic leap from XXXX to XXXX. For XXXX, it increased from XXXX to XXXX. My score remained consistent for XXXX   four months ( XX/XX/XXXX-XX/XX/XXXX ) and then took a sudden plunge. My student loan was given a year deferment in XX/XX/XXXX or XX/XX/XXXX. Just recently my scores dropped suddenly. My score dropped tremendously for both companies ... Transunion ( -XXXX ) and XXXX ( -XXXX ) .It seems that no matter what I have done to do the right thing and stay afloat, XXXX and Transunion has continuously made attempts to damage my credit profile. They do as they please concerning credit scores. In addition, I have been one of the many individuals that have been apart of XXXX 's failure to protect my very vital information. I want my credit scores refurbished. I have worked hard and refrained from being in debt to anyone for anything. This seems to be a another practice against XXXX Americans ability to establish, maintain, and grow in socio-economics. There is no way you can explain how one incident dropped my credit score! I have one deragatory mark on both credit reports. I only owe student loans. I want my credit repaired immediately. This is a blatant financial attack on me and others like me that strive and still are faced with injustices at the hand of businesses that would see our demise.
On XX/XX/XXXX my wife and I had dinner at the XXXX in XXXX XXXX Utah. We arrived at XXXX and departed around XXXX. We parked our rental vehicle in a public garage across from XXXX where the XXXX leases parking space for free courtesy parking. Its spaces are clearly marked ; we parked in XXXX spaces which are clearly identified. 
We left the country around XXXX XXXX and returned around XXXX XXXX. In our mail was a letter from XXXX requiring {$100.00} payment for a parking violation from XXXX XXXX XXXX. Payment was demanded by XX/XX/XXXX which had already passed. The notice date was XX/XX/XXXX ; however, we had not received it when we left the country on XXXX XXXX. The XXXX notice contains no copy of a ticket. There was no ticket on our vehicle when we left the garage. XXXX patrons do not need to show a receipt or check in with an attendant. The ticket was posted for XXXX. We could have left earlier or later but there was no ticket or we would have returned to XXXX to have the manager deal with it. 
I called and emailed XXXX using information from the XXXX/XXXX/XXXX notice and was not successful in reaching any XXXX. 
At that point I checked my XXXX XXXX XXXX account on line and discovered a {$100.00} charge from ATS processing. I immediately called XXXX to enter a dispute. It so happens that XXXX could confirm my charge for dinner at the XXXX on XXXX XXXX so the representative appeared sympathetic to my claim. I drafted a detailed letter Exhibit C with additional exhibits XXXX, XXXX and D. Please review that letter for more details on the situation. 
In XXXX I received notice from XXXX XXXX that the {$100.00} debit was not going to be charged to my account ( XXXX ). 
This week I received a collection demand from Retrieval-Masters Creditors Bureau ( Exhibit A ) for {$120.00}. The {$35.00} amount, which would have been on a parking ticket, had it been placed on my windshield has gained in value from {$100.00} at XXXX to {$120.00}. Again there is a reference to an event but no documentation. 
In terms of Company information I want to start with XXXX XXXX of XXXX. XXXX covered on Exhibit XXXX of the C XXXX exhibit, a XXXX newspaper reported that more " than XXXX people who used XXXX XXXX will qualify for a refund '' in " {$2.00} XXXX settlement. '' In Exhibit XXXX a XXXX newspaper wrote " XXXX XXXX was accused of issuing unwarranted tickets in private lots. '' The article in detail chronicles many owners who did n't park in the lots and never actually physically received tickets were nevertheless billed anyway. 
Please review my XXXX letter and Exhibits for more details. 
Now I want to review issues with XXXX. XXXX sent a letter which demanded I pay a fine with an additional process fee with no proof ( ie., no copy of a ticket ) and no opportunity to challenge the ticket. It states, " Per your rental contract with XXXX, you are responsible for all fines, penalties and processing fees related to any and all violations. '' I checked my XXXX Confirmation which has the XXXX regulations, and that language is not in there. 
Further, if the language is in there, it is wrong because it waives due process rights.