WillisBack/dataset-financial-user-claim huggingface dataset:
Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with Experian on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.
I booked a ticket for XXXX XXXX. XXXX changed my times, which rendered the flight unusable, so I booked a new flight at an earlier time with a different airline ( XXXX ). All of these were with the American Express Platinum card. I was n't able to gain any headway with XXXX about this change to the flight schedule, so I contacted Amex. They issued a charge back to my account crediting me. I just found out that Amex reversed the charge back on me.
Our home at XXXX XXXX XXXX, XXXX XXXX, CA was foreclosed on while in a modification with BSI Financial Services. 

* Our home was foreclose on XXXX XXXX.
In response to a previous complaint, AES says the loan was deferred, and again today they told me the loan was deferred. However, they charged {$3000.00} interest. Interest can not be charged on a deferred loan.
I closed on a home in early XX/XX/XXXX and everything was understood to be under escrow. I live in a state mandate to have windstorm insurance as well as home owners insurance. So seven months later i was effected by hurricane Harvey and withstood peorsonal property damage which should have been cover by the windstorm insurance. Damages ranging from my entire fencing around my property being blown away and my shed being blown away. Now come to find out i never had windstorm insurance ( reminder it is mandatory to have to close ) so all of my damages have so far had to be repaired out of pocket. I know that my morgage loan was purchased by a different morgage company but none the less it was between the title company and the morgage company to determine mlwhat coverages i needed after i set them up with my insurance company. Everyone i talk to us just pointing the finger to different companies and no one wants to take the blame. All i know is someone dropped the ball between morgage, title and insurance company and they should be liable to cover my damages.
The creditor Bank of America has reported a Charge-Off for account XXXX to all three bureaus. The original high balance of {$57000.00} has been reported incorrectly. All payments were made and the entire balance was paid in full however Bank of America & XXXX XXXX, XXXX are reporting a CHARGE OFF instead of paid in full violating the FCRA. it seems the loan was paid directly to Bank of America and was passed over to collection XXXX XXXX XXXX but the creditor is still Bank of America who has reported illegally to XXXX, XXXX, and XXXX. The account was paid in full and NOT Charged off.
I brought my checking account to a {$0.00} balance and then called customer service to close my account. First they refused to close it over the phone and said I was required to go into a branch if XXXX is within XXXX miles from my home. When I looked up a location there was not a local branch so the customer service rep told me to fax a letter to XXXX to deposit operations with my full name, account number, and current address along with my signature and they would close the account. I faxed the letter and then called customer service to confirm they received it. They did confirm it was sent but then said a letter was mailed to me and I need to get my signature notarized and sent back to them in order to close the account. I have had many accounts at other banks that never required this much to close an account. It appears they are just trying to make it very difficult in order to retain clients but with this kind of customer service I will be happy when my account is finally closed.
I was contacted by US Dept of Education/ XXXX  about a student plus loan that I did not sign for. During initial contact   XXXX   2017, I stated that this was not my debt and that I wish to report it as fraudulent activity. At this time I requested a copy of the loan documents from  XXXX . When I received and reviewed, I noticed several errors. The data on the loan documents were not my information, the contract was not signed and the signature was typed in, the loan documents listed an incorrect address, phone number and references. After disputing this information with  XXXX  I was told that I needed to file a police report, in which I did immediately. I provided the   XXXX   police report to  XXXX  ( incident #  XXXX  ), along with a statement notarized with my signature. Addtionally, I signed a certification/agreement of cooperation of identity theft claims and it too notarized. I received this form from www.myeddebt.ed.gov ( addressed to US Dept of Education -   XXXX   XXXX   XXXX    XXXX , TX  XXXX  ). This loan has been placed with a collection agency, who is reporting it on my credit reports. I 've also contacted the  XXXX  major credit reporting agencies asking them to remove and was told the debt has been validated by US Dept of Education. I 'm now being told by   XXXX   to provide my driver 's license and social security card and bills with my signature to prove this is not my signature. I feel I 've provided everything that has been asked of me and the debt has yet to validated made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wish to file this complaint against US Dept of Education/ XXXX , Trans Union,  XXXX  and  XXXX  for reporting inaccurate data.
I have applied for a auto loan with State Farm Bank.

I currently have a auto loan with State Farm and the company denied the loan application because they are saying there is possible fraud in the past that is connected with XXXX XXXX. Then the agent agent asked me do I know XXXX XXXX. The agent said any car loans that I apply with through State Farm bank they will turn it down because my name, social security number is in the fraud department. I do not think this is right. My credit is credit worthiness and it is not legal for them to deny any loan that I apply for. I really feel bad that I am going through this situation currently. The company told me that they will never approve me for a loan, everything that I apply for will get denied, and I will not be able to get any banking loan approved no matter how well my credit is or how good my employment is.
I recently contacted XXXX via its website concerning my student loan payments. Specifically, I requested copies of my original loan documents, and an explanation as to why my monthly auto-debit amount fluctuates some months. I wanted to verify my original loan terms and amount regarding the loans taken over by XXXX from XXXX Bank and XXXX. To date, I have not received any response regarding my loan documents or the changing monthly auto-debit amount.
I sent a dispute to TransUnion for a collection account that is being reported by XXXXXXXX XXXX XXXX ( XXXX ). The dispute was sent via certified mail on XX/XX/XXXX. To date, TransUnion has not addressed the dispute. I recently sent the attached letter advising that they have exceeded the 30 days allowed. I received the attached letter stating that they were unable to determine the nature or my request or the request was illegible. I am requesting an immediate removal of the account reported by XXXX XXXX XXXX as TransUnion has failed to comply with my original request. I have attached a copy of the certified mail receipt, a print of my report showing XXXX listed, the 2nd letter mailed after 30 days, the letter received by TransUnion and a screen print from TransUnions website which shows that the dispute was received. If TransUnion was unable to determine the nature of my original request or if it was illegible, the letter that was sent on XX/XX/XXXX should have been sent within the 30 days.
recieved a recorded message on XXXX XXXX 2017 from a XXXX XXXX from Western Control Services stating " this is a call from a debt collector and read the mini-mirana " This communication is a attempt to collect a debt by a debt collector and any nformation obtain will be used for that purpose ''. left a number of XXXX XXXX XXXX i was entertainng some my family and they heard the message. according to the FDCP 805 ( a1 ) Commuincaton in connection with a debt should not be left on a recorder for anyone to hear. only name co name and phone numbr.
XXXX   had  XXXX  separate glitches and my inquiries were deleted and then re-added to my report once the glitch was discovered.   XXXX   failed to notify me in writing 5 days prior to re-adding the inquiries to your report that they were intending to do so. This computer glitch that was   XXXX   XXXX   problem - not yours - caused my inquiries to be deleted. XXXX  later added them all back onto your credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted  XXXX  in good faith to ask them to delete the inquiries that they had illegally re-added.    One for Capital One Card f or  XXXX   XXXX ,  2016 . I spoke with agent  XXXX  as well as her supervisor  XXXX .   These inquiries add a hardship and that your rights were violated by  XXXX .
Over charged account, sold disputed account, filed false information on my credit report. which resulted in my XXXX being terminated with the XXXX while I was XXXX XX/XX/XXXX and unable to work at my XXXX in XXXX XXXX FL as of XX/XX/XXXX.
Hi CFPB -- here 's the letter I wrote to Navient this evening : XXXX XXXX 2017 To the Navient Advocate -- My ex-wife and I, before we were divorced, consolidated our student loans in a spousal consolidation program then offered by the government. 
We were told it would mean we pay a lower amount over the long-term. 
For whatever reason, my name was put first as the primary loan holder, so the combination of our XXXX student loan debts shows as over {$130000.00} in my name. Because of the consolidation, I do not qualify for any of the income-based repayment or forgiveness options available anywhere. 

There is no exit strategy for this -- no way of undoing the spousal consolidation, even though we are now divorced. I have spent my career for the last 16 years XXXX. My Navient payments keep going up and your staff offers no sufficient explanations for why this is. In a call on XXXX XXXX, 2017, I was told the loan would be paid off after XXXX payments at {$720.00} per payment. I received a notice in the mail today -- barely three weeks later -- that the loan would now be paid off after XXXX payments at {$740.00} -- an increase of nearly {$20.00} per month. 

I have been on the phone now with your service center, waiting for an answer, for over half an hour. Plenty of time to write this letter, a copy of which I will be sending to the Consumer Financial Protection Bureau ( CFPB ). 

Interestingly, the CFPB is suing Navient because the company : & gt ; created obstacles to repayment by providing bad information ; & gt ; processed payments incorrectly ; & gt ; failed to act when borrowers complained ; & gt ; illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; & gt ; deceived private student loan borrowers about requirements to release their co-signer from the loan ; and & gt ; harmed the credit of XXXX borrowers, including XXXX veterans I 've also read up on your CEO, and he fits the profile of the usual corporate crook, finding a way to maximize yield for investors through a business model that financially exploits middle class people who do not have expandable monthly budgets. I am one of those people. 

My first call tomorrow will be the Consumer Financial Protection Bureau to see what they can do for me. 

In the meantime, what solutions do you have to offer? 

XXXX XXXX
I received a call today from a XXXX XXXX with the XXXX debt relief firm telling me about student loan forgiveness and then telling me I needed to pay either XXXX in XXXX monthly payments or pay XXXX in XXXX payment to be enrolled in this program. They even went as far as having navient call me and verify information. I felt uneasy about this whole process and was then threatened with the garnishing my pay. The lady with navient gave me an id number of XXXX. XXXX got upset with me when I got upset over the money they wanted to enroll me. They are saying they are with the us XXXX XXXX XXXX I ca n't make the loan payments and was I thought in forbearance and was informed that ended in XXXX of XXXX and I was n't even aware of it. I feel like I should n't have to pay for something I went online and applied for myself. Also the phone number XXXX XXXX called me from was from XXXX XXXX that made me leary to begin with.
Me like XXXX students that graduated from XXXX XXXX University located at XXXX XXXX FL is suffering the enourmous consequences of the student private loan nightmare. I graduated in 2008 XXXX and I was never able to get a Job on the field. The school promissed to help students get a Job with promising leads, leads that I never got, I have called many times to the so called XXXX XXXX department to get leads and the only leads I received y any, were internships. My question is how are you supposed to pay {$120000.00} on an internship. The worst thing is that Private Student Loans will not give you a break or come to an agreement, all they need is you to pay a monthly payment that is so high and unrealistic how can someone on XXXX dollar an hour job pay {$1000.00} a month on private loans. Please help I am desperate and tired of receiving collection calls on behalf of Salie Mae
I am trying to get my home loan refinanced as my daughter will be a XXXX in College and Experian is severely impacting my abilities to refinance. On or around XX/XX/XXXX i applied for a refinance loan with my local bank, XXXX XXXX XXXX XXXX XXXX. They pulled my credit report which was through Experian. Experian sent them my credit report and a copy of my credit report to me. First I noticed, my name last name was wrong, my last 4 digits of  my SSN was wrong, they had over 13 creditors that were on the report that were wrong. I contacted Experian as this is giving me a negative affect on my credit report and FICO score. My daughter is unable to register for college as I was depending on this refinance with my bank in order to register her in college.
After speaking with Experian, they accepted that they had reported incorrect information on my credit report and that they would fix it. I did receive a letter about a week or two later showing they had corrected my name, SSN, and removed about 13 creditors mostly all were negative reports on my credit report. I spoke with a person named XXXX and XXXX, I asked to speak to a supervisor, which they could not find one after being on hold for about 20 minutes. Today XX/XX/XXXX my bank called me again after i let them know that all should be resolved with Experian and my bank told me that Experian is still reporting my old information to them. Please some one help me to resolve this negligence on E xperian 's part.
On XX/XX/2018, I paid off the balance of the sellers loan, at the XXXX ID. branch of Key Bank. It has been seven weeks and no title has been sent. Myself and an assistant have made over twenty phone calls regarding this, with no resolution. As a result, I am unable to register the vehicle. Oregon allows only, two 21 day temporary permits witch we have exhausted. The Vehicle is now useless, and undrivable. This vehicle was to be used as primary transportation, and now must be parked until we get this resolved. This has created obvious and unnecessary hardship.
My name is XXXX XXXX, JMAClending is my loan company. I have been having trouble with my mortgage payment getting higher every month without explanation .My mortgage payment for XX/XX/XXXX was XXXX Payment due on XX/XX/XXXX. XX/XX/XXXX XXXX payment due on XX/XX/XXXX.statement dated XX/XX/XXXX XXXX Due date XX/XX/XXXX. I do not understand why my payments are so XXXX  up. My phone # is XXXX or XXXX If you need copies of statements I can send them. Address XXXX XXXX XXXX XXXX XXXX, Georgia XXXX
1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts 2. I have been unsuccessfully trying to get removed the XXXX account, " recovery '' item also agreed to by XXXX to remove in the attached e-mail Thank you for your help XXXX XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX e-mail : XXXX phone : XXXX
A payment was missed and I ij informed Synchrony bank that I would pay the full amount due before the next due date. They have continually called since then, 3 to 4 times a day.
I called the customer service to talk to them as I have disputed the bankruptcy on my account and they claimed to have verified the item but after speaking to the court house where they said that they had verified it with I was told that they had not verified it and do not release any information to anyone. I called and was transferred quickly to someone else and clearly they did not want to fix this problem. I would like this item removed off my report as I have told them it is not correct.
XXXX is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ),  incorrect information must be deleted.
The debt was paid in full to company XXXX, not to a collection company yet they continue to report on my credit report.
My complaint involves two banks, XXXX XXXX XXXX XXXX, and Citibank. 
I did my banking with XXXX for several years. XXXX is a very small bank with very few branches in all of XXXX XXXX XXXX, and most of them in very inconvenient and dangerous locations. I found the service to be poor, and often uncooperative, so I decided to close my account. I decided to open an account with Citibank. I attempted to close my account with XXXX and they refused to allow me to do so. They basically held my funds and refused to close my account. I opened an account with Citibank and requested their help with XXXX XXXX The Citibank representative told me that I could wire-transfer my funds from XXXX to my new Citibank account. I did so with three wire transfers, as I was not totally sure how the process worked. But before I could complete the transfers, all of my funds, both the XXXX and the Citibank accounts, were blocked. 
I am presently without any and all of my money. No one will give me any information, and I desperately need help.
I applied for a short sale back in XXXX and we are in XXXX now and I just get the same response, " it is in review '', I understand it takes time to review documents, but you they asked for documents and I get them to them the next day and yet it takes them months to review these things. I am being transferred for my job and I can not afford two houses and this one is underwater. This should be a very simple response and the offer is great.
I have sent a letter to Wells Fargo accusing them of theft ( stolen money later returned ). This is a criminal accusation. The following is the letter : XXXX XXXX, CEO XXXX XXXX, CFO Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX In regards to criminal theft by Wells Fargo Bank and age bias. 

I have been dealing with your bank for many years. Besides checking accounts, I have credit card accounts, a {$27000.00} line of credit, a mortgage ( my home ), and possibly other accounts which I either can not remember or do n't know about. 

When I opened a checking account in your bank, I was convinced to open other accounts ( such as savings ) which would create " greater convenience for me. '' I asked if there would be any fees involved with these additional accounts. I was told there would never be any fees. It was a lie. Some months later, one of the accounts was billed a {$30.00} " annual fee. '' I feel this was done to me because of my age ( XXXX years ), figuring I was too senile to notice. I complained. The fee was reversed and that account was closed. 

XX/XX/2015 your bank managed to STEAL {$7500.00} ( plus fees ) from me. 
I had a balance in my checking account of about {$5000.00}. I deposited a check in the amount of {$7500.00} which bounced. The bank never added {$7500.00} to my account, but instead STOLE {$7500.00} of MY money giving me a negative balance. The bank caused my credit card to advance this balance to the checking account to XXXX out the account. A cash advance fee was charged as well as a bounced check fee as well as interest. 
I believe the bank felt that since I am old ( XXXX years ), I probably would never discover that I was a victim of THEFT and let the bank keep the money. I went to the bank enraged. I controlled myself and confronted them with what the bank had done. The individual I spoke to said that what happened was appropriate, it " was a promise. '' He essentially accused me of trying to defraud the bank, but it was actually an outright THEFT of {$7500.00} of MY money from me by the bank. I had a difficult time trying to control my anger. When I finally convinced the bank person that I was right, the THEFT ( withdrawal-promise ) by the bank was repaid, my credit card was repaid and the fees were reversed. Later, I deposited a replacement {$7500.00} check in the account -- which did not bounce. I made sure they added it to my account balance. 

I believe I have a right to file a CRIMINAL accusation of theft against the bank in addition to criminal age bias. 

I am being treated for XXXX. When I think about what the bank did, I become enraged, and needless to say my XXXX. 

Would the bank care to compensate me for the turmoil caused me? I have not sought legal advice -- yet. I feel sure this is a criminal matter, and from what I read in the newspaper and seen on the news, it is one of many criminal matters. 


Yours truly : XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX, Ca. XXXX XXXX XXXX
In XX/XX/XXXX I reached out to pay my debt and we agreed that in two payments debt will be paid and reported to the 3credit bureaus and asked to be cleared. I disputed this and it says I still owe but have proof of payments and dates.
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX  XXXX  XXXX, XXXX   XXXX XXXX, XXXX  XXXX and XXXX  XXXX.
I made a purchase through XXXX XXXX using their offer of credit with no interest if paid within 6 months. The purchase was paid in full within the allowable time. Payment in full was made in excess of 1 1/2 years ago then the account promptly closed. The credit card was with Synchrony Bank. Recently I received a promotion from Synchrony Bank referencing my account. When I called they stated that the account was closed, but I came to realize that all of my personal information, INCLUDING SOCIAL SECURITY NUMBER, remained in their data base. A request to delete my information, especially my SS Number, was rejected by multiple people at the organization.