WillisBack/dataset-financial-user-claim huggingface dataset:
1. My student loans are in FedLoanServicing, account number XXXX. On XX/XX/XXXX I was informed that my student loans were placed into deferment status as of XX/XX/XXXX. I had never requested deferment status and continued to make monthly payments. 

2. On XX/XX/XXXX I read the email and called FedLoan Servicing to see what happened. They said my loans automatically were placed in deferment because I had started graduate school. 

3. They stated that within 24 hours I would receive a form in my online account to fill out called a " deferment waiver. '' 4. It is now XX/XX/XXXX and I have no form. I called again today and they stated they would expedite my request but could not give me a time frame. 

5. I plan to apply for Public Service Loan Forgiveness and payments made in deferment DO NOT count for forgiveness.
My name is XXXX XXXX and I own a certificate of deposit ( CD ) with BBVA Compass bank. This CD ( account number XXXX ) was due to mature on Friday XX/XX/XXXX. 

I was told by the bank previously that I could close this account on XX/XX/XXXX and access my funds on the same day. However, when I showed up in one of the bank 's branches on Friday XX/XX/XXXX, the bank could not close the account claiming that there was a lien on my account. After wasting an hour in the branch, the bank told me that they needed to remove the lien from the account before they could close the CD and give me the funds. 

This is an outrageous development since I have been counting on accessing my funds on XX/XX/XXXX,  but this bank has failed to provide me the funds I desperately need at this moment.
I received a letter from XXXX XXXX services stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from XXXX XXXX XXXX. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying XXXX XXXX XXXX, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted XXXX   XXXX and they denied removing from my credit report. I disputed the item with XXXX  and trans union and submitted the supporting documentation. They refused to remove it based on what XXXX XXXX stated vs the proof that I was refunded the amount i paid them proving I did not owe them money
I am filing complaint against Equifax and  XXXX  for reporting inaccurate information regarding Bankruptcy that they are reporting on my credit file. I sent them letter regarding my dispute and I received the results stating verified. They did not verify anything. The information they pulled is from a third-party reporting and that I was told from the    Court Clerk they  do not report along with attached copy of the letter from the court saying they do not report therefore it needs to be deleted.
I have a credit card from Bank of America. It is a XXXX credit line that requires pay off each month. For approx. ten years I have had card and used it for the rewards. <P/>I received a letter dated XX/XX/XXXX, that Bank of America had closed my account because I had too many open trade lines, and had high balances on other cards. <P/>Never missed a payment or been late on this account. ( or others in the last 2 years ) Letter indicated any rewards I had would be forfeited. I had XXXX points in rewards. I did not close the account, nor did I do anything to invoke having my account closed- I know you have accounts at the " leisure '' of the financial institution, but without being guilty of any type of misconduct, I feel it is inappropriate for them to keep my points, I earned them via XXXX XXXX, which I PAID for since I paid the balance off each month. This was not a revolver, so if its paid, the rewards are earned. <P/>This is a terrible way to take advantage of customers. This is Bank of America.
TransWorld Systems has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I applied online at XXXX for the XXXX XXXX XXXX, provided through Synchrony Bank, on XX/XX/2018. 

XXXX did a credit pull inquiry on that day, and momentarily approved my card application. Here is the record of it on my XXXX XXXX XXXX credit monitoring report : Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : SYNCB/XXXX Phone : ( XXXX ) XXXX Type of Industry : Bank Address : XXXX XXXX XXXX, XXXX, FL XXXX This is all expected. 

Then, the following day XX/XX/XXXX18 I was notified of additional activity on my credit report, because Synchrony pulled my credit again for the same card and original application, with no consent from ( or contact of ) me in the meantime. Which thus caused a corresponding minor but non-zero decrease in my credit score. Here is that record : Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : SYNCHRONY Phone : ( XXXX ) XXXX Type of Industry : Bank Address : XXXX XXXX XXXX, XXXX, GA XXXX Given XXXXXXXX XXXX size and their ability to strongly market this product and incentivize customers to apply, this could easily be negatively impacting the credit ratings of hundreds of thousands or even millions of people!
It seems that Portfolio recovery refuses to send me proper documentation of my alleged debts even though I have disputed with them multiple times over the past XXXX years over these accounts and they continue to report these accounts inaccurately on my credit report. This has caused me multitude of grief from denied jobs, applications, high interest rates, the list goes on how this has personally affected me. 


I have disputed the account ( portfolio recovery ) multiple times with XXXX, XXXX, and XXXX multiple times. I have also disputed directly with the creditor asking for XXXX of the right for portfolio recovery to collect this debt and proof that the debt even belongs to me and portfolio continue to ignore my requests. 

I requested documentation from their files used to verify these accounts. Under the XXXX XXXX XXXX XXXX, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of request concerning the account reported on my credit report. Simply sending back a letter saying verified does not fulfill that obligation. 

Who verified these accounts? How did they verify them and with what documentation? Were any of these documents signed? Where did these agreements come from? 

They absolutely refuse to answer any of those questions and therefore should remove this account from my report immediately. 

The only documentation I received was a {$0.00} balance letter and notification that the account was updated, verified, or that there was new information. A balance letter or statement does not qualify as verification per XXXX. This company is in violation for continuing to verify accounts without providing proper evidence and documentation as requested. It is my contention that Portfolio recovery can not properly tie me to these alleged accounts otherwise they would have done so when I made the initial request. XXXX is blatantly disregarding the law and with everything going on with these breaches I dont trust anything from them. Please delete this from my report.
On   XXXX     I applied for my free credit report and was denied twice, the first being some hippo code and second was insufficient documentation.
CREDIT REPORTING AGENCY REPORTING INFORMATION DISPUTED/NOT VALIDATED pursuant to FDCPA this data must be removed absent the validation.
Company continue to call my phone, my parents landline phone which they have NEVER been given permission to, and other numbers related to me. They will constantly call throughout the day and they do not say who they are or what they want which is why I refuse to answer their calls.
upon reviewing my credit report I noticed a debt that I was not aware of. Contacted the company and was not able to confirm the debt.
I called Quicken Loans on XXXX XXXX 2017, to discuss getting a mortgage to purchase an unfinished house on a 3-acre piece of property. I talked to an upbeat loan officer by the name of XXXX XXXX, who told me the type of loan I requested was indeed possible with Quicken Loans. He told me Qucken Loans is a direct lender and can make mortgage loans many lenders can not. 

I told him I wanted to have my mother on the loan and I gave him her income information. He told me, based on her income, the amount of money, {$100000.00} she would qualify for, but he also said he needed to check her credit first. After he talked with my mother and he ran her credit, he said he could not do the loan. I thought this was strange because her credit came out to XXXX. When I asked him why he was turning her down, he said that Quicken Loans does n't do this kind of loan after all, and the house must be completed at closing. When I asked him why he did not tell me this before he ran the credit, he said running the credit only took off a few points and it was not as bad as applying for a credit card. I thought his flippancy towards running my mother 's credit if he " could not do that type of loan after all '' was damaging to her. 

Most of all, I am filing a complaint because I believe the lender practiced age discrimination against my mother. Although she is in her late eighties, she has a right to file for a mortgage without being misled about what loan is possible for her, and without having her credit checked for no reason.
I paid a collection off and they are still reporting this on my credit instead of removing it. I have filed dispute after dispute and nothing is being done. Portfolio Recovery is one of the XXXX  companies on the planet! I want this paid account off my credit as it is negatively impacting my credit score.
My VA home loan has been in a loss mitigation for 2 years. The company, Freedom Mortgage, was still waiting for my previous loan company ( XXXX   XXXX ) to forward the mitigation packet I had begun with them, for 2 months before my suggestion of me resending the packet to them was accepted. After delinquent amounts rose to high levels I could never repay and my VA approved counselor began pushing on her side, a mitigation was approved, my acceptance sent back and loan papers sent out to be returned within 5 days - I received a letter 7 days later saying mitigation denied for lack of papers being returned, maybe I could re-apply!

My VA approved counselor pushed back and found XXXX had left a package on my porch, no signature required and still hve n't found! Another packet sent out, but legal property described therein was for an address in another state! A month and a half later ( with more pushing from my counselor ), a corrected packet was sent but letter received mitigation denied, paperwork never returned - maybe you can apply again!! XXXX had dropped on porch, no signature required and package never found! A new package sent, signed and returned. 
2 months previous, our insurance dropped our home insurance because Freedom told them it was in foreclosure and they couldn't reinsure without approval from Freedom and issued a closeout check. Freedom told me insurance would be figured on new financing and refund was between insurance and me. Insurance said they couldn't take it back because Feedom had closed it! 
So after packet sent in, we received a letter notifying of escrow shortage ( amount of refund sent back! ) and notice of higher expected payments due! As of todays date, still haven't received final loan docs but told that first payment due last week ( a week after final docs sent in! ) was {$170.00} more than our original house payment that we were stuggling to make!!! 
So after 2 years, it appears that my only recourse is to let them have the house - i'm to the point employment-wise that the original payment amount would be do-able, but their efforts did nothing but cement a bad deal.
XXXX University is charging me {$3000.00} after I withdrew from their program, never completed even XXXX course credit. I was told that I could easily withdraw from the program if it did not meet my needs without owing anything. I am paying on Student Loans that were dispersed to them to pay for the couple of months I was enrolled even though I was not participating and still they are wanting to collect this astronomical amount beyond what has already been paid.
I tried to submit a dispute online at experian.com but it would not allow me to. There are incorrect versions of my name, as well as an incorrect address listed on my credit report. 

My name is XXXX XXXX XXXX. 

REMOVE : XXXX XXXX XXXX ( Name ID : XXXX ) XXXX XXXX XXXX ( Name ID : XXXX ) XXXX XXXX ( Name ID : XXXX ) XXXX XXXX ( Name ID : XXXX ) Also, my address is XXXX XXXX XXXX XXXX , XXXX, FL XXXX. 

REMOVE : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX FAMILY The variation of my address and of my name are incorrect. I have attached a copy of my bank statement proving my address and my ID to provide proof of my name.
In XXXX XXXX the Georgia Department of Revenue issues a state tax lien for taxes owed for two specific years. The lien was issued in error due to my checking account information being entered into the system incorrectly by the Georgia Department of Revenue Customer Service Representative. In XXXX XXXX a monthly payment was established and required me to submit a voided check and a signed agreement for a monthly withdrawal regarding my tax payments. The requested documents were received and payments were to automatically withdrawn on the XXXX day of each moth beginning on XXXX XXXX, but instead a tx lien was filled in error for non-payment. The Georgia Department of Revenue was contacted several times in regards to this lien and refused to remove it after seeing the error. I was informed that once the tax debt was paid in full the a lien release would forwarded to me and the XXXX County Superior Court to have the lien removed from my credit report and from the court records. A copy of that lien release was provided to Equifax XXXX/XXXX/XXXX and a copy was forwarded to the XXXX County Superior Court Clerk. to remove the lien and to inform the XXXX major credit bureaus that the lien was paid in full. Equifax did not do its due diligence in investigating this matter and instead of reviewing the status of the lien as I requested they instead verified the lien with the XXXX County Superior Court. The lien was not filed by them but instead filed by the Georgia Department of Revenue and should be the entity contacted regarding this matter. Instead Equifax contacts the XXXX County Superior Court and even when presented with documents that show the lien is paid and released nothing changes on the credit report.
on the XXXX of XX/XX/2018 i sold my bitcoin using coinbase and since them i have not been able to withdraw my funds. i have been lied to over the phone when i asked how to withdraw my money. i tried to link my account using XXXX payment where i uncured charges from my own bank account on the XXXX XXXX. i have still been unable to withdraw my funds,
I purchased a XXXX Cheverolet Cobalt back XX/XX/XXXX when I was XXXX in the Air Force in XXXX Georgia XXXX. The car was overpriced and they charged me a very high interest rate. The payments were paid via an allotment directly from my paycheck. I paid the payments faithfully while in active duty. In XXXX I XXXX could no longer make the payments. I contacted Security National XXXX to see if they would defer my payment until I could find employment, but they refused to work with me. The eventually repossed the car and resold it to another buyer. I have not seen or heard anything from them since, but they have added this to my credit report as a charge-off and have an outstanding balance of {$8300.00}. I feel that this is unfair especially since the car has been resold and I did pay for the car faithfully when in the Air Force and did try to work out an arrangement with them, which they refused. I am asking CFPB to please assist me in getting this removed from my credit report. I would like to purchase another vehicle but this has prevented me from gettng approved for financing over the years. I appreciate any help that your agency can provide. 
Thanking you in advance.
I was a XXXX at XXXX, I signed up for a class, then dropped the class in favor of taking it at XXXX. They never processed my drop, it said drop pending ( hold ). It apparently would n't let the professor kick me out either. I never attended the class. A year later i get a bill from XXXX. I turned in forms at XXXX showing the fact it said drop pending and that i took thaf class that semester at XXXX college. They told me the situation would be handled, closes my account and wrote it off. 3 years later I find a collection on my credit report. Even though this was supposed to be settled I paid the XXXX. Then after I pay it they tack on XXXX in fees. This should of never been billed to me and should not be on my credit report.
XXXX   XXXX   XXXX  is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my  XXXX , Experian and  XXXX  credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will mak e the corrections for about seven days and then automatic report the incorrect information agin.
I was approved for Income Driven Repayment plan with a XXXX  a month base on my income and family size but now Im in school. While I was approved for IDR it shows that I was late which I was not because I had a XXXX monthly payment I always reinstate the plan before time so I wouldnt have problems or be late
I submitted detailed information asking the company to delete a credit inquiry from XXXX done on XX/XX/2015 and they sent a packet requesting more information.
-XXXX County Clerk - Falsely reporting to my credit report {$10000.00} as a Federal Tax Lien from XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already disputed this but there has been no change. 

-XXXX County Clerk - Falsely Reporting to my credit report {$14000.00} as a Federal Tax Lien from XXXX. I already disputed this information. It is not my account and needs to be removed from my credit. 

-XXXX County Clerk XXXX Falsely Reporting {$26000.00} to my credit report as a Federal Tax Lien from XXXX. I already disputed this but it needs to be removed from my credit because this account does not belong to me. 

-XXXX XXXX XXXX/XXXX - Falsely Reporting to  my credit report {$460.00} from XXXX. This account does not belong to me. I am disputing it with the FTC as well. 

-XXXX XXXX -Falsely reporting {$2300.00} Collection. Requesting that this be removed from my credit. This account does not belong to me. 

-XXXX XXXX XXXX XXXX XXXX Falsely Reporting {$390.00}. Requesting this be removed from my credit report. 

-XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX Falsely Reporting {$3900.00} to my credit report. I am requesting that this be removed immediately.
The Servicing Company to my mortgage - Nationstar Mortgage is attempting to illegally foreclosing on my personal home by selling it at auction on XX/XX/2105 in direct violation of HBOR law. Nationstar Mortgage failed to complete a review of my loan modification submission and request for relief. In addition, they have failed to offer any alternative to foreclosure programs like short sale. Nationstar Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for me. They have mishandled my documents and file several times and failed to properly communicate with me throughout the process. They simply violated HBOR specifically under the " dual tracking '' clause. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclose on my property.
Hello CFPB, I have tried to contact American Express Serve a number of times to cancel an American Express Serve Card and have lost the card and don't have the PIN. I am unable to login or recover access to the online account and without the PIN the phone number automatically disconnects the phone line. Furthermore the corporate Amex line doesn't have access to the records of the Serve subsidiary and is unable or unwilling to help. I've also tried tweeting American Express. This has occurred from XX/XX/XXXX to XX/XX/XXXX. The account has a XXXX dollar balance and I simply want the account closed
Received a bill from AR Resources on XX/XX/19 attempting to collect a debt for " XXXX XXXX XXXX XXXX '' in the amount of {$210.00} for my Daughter, XXXX XXXX. I do not owe XXXX  XXXX XXXX XXXX any money. I dispute the validity of this debt.
The holder of my mortgage loan Wells Fargo is piling on excessive late fees, property inspection fees and Attorney fees as well as quoting a past due balance that is thousands of dollars more than it should be. Not only are they gouging me, but they are also failing to fairly negotiate with me or assign a dedicated contact to review my paperwork as I attempt to resolve my issues with Wells. Instead they are moving me back into foreclosure and serving legal documents on " unknown spouse '' with all of my personal information even though I am the only person on the loan and title. 

I bought this home in 2000. A couple of years ago I had some struggles due to the loss of my job followed by my boyfriend of 7 years walking out on me. I paid the loan from savings as long as I could but finally had nothing left. In order to make ends meet I went and rented an apartment to live in and began leasing out my home because it would increase my monthly income even though it was a terrible situation for me. Over the last year I have pulled back onto my feet, I am gainfully employed at a XXXX and have a good tenant who is leasing my home and paying rent on time. I tried to re-engage with Wells Fargo but they have been difficult to work with. they refuse to accept a mortgage payment from me unless I pay the full past due amount all at once, something I am not able to do. I have asked them to consider me for modification or restructuring of the loan but get nowhere. It is like sending my paperwork to a black hole, there is no dedicated contact and no communication. 

Wells Fargo recently started sending out legal documents that they were moving to foreclose. That is when I noticed the discrepancy in the balance, as well as the excessive charges they have placed on my account. Many occurred on the same day, and many seem to be duplicates for property inspection, Attorney fees XXXX drive by 's etc. I also discovered paperwork that shows I was in a preferred payment program with Wells where they would automatically debit payments from me weekly in order to help me budget. However, Wells never implemented this plan, and then suddenly just stopped accepting payments from me. I am not disputing that I am behind on this mortgage, but I am trying to fix it. However, as a result of this problem and the paperwork I have discovered that Wells is really trying to gouge me here. Based on the recent revelations about their fake bank account scam I guess I should not be surprised. I am filing a formal complaint against Wells Fargo in hopes that this matter can be resolved and I can save my home and only be held accountable for what I truly owe them.
I am not understanding why the word our is capitalized on the dispute results. I chose the best categories for the dispute.