WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a refinance loan from XXXX XXXX XXXX ( XXXX ) to pay off two of five of my federal direct student loans serviced by Navient. The loan was funded on XX/XX/XXXX, and Navient indicates the payment was processed on XX/XX/XXXX. The payment from XXXX to Navient was made via wire transfer, with explicit instructions on which loans the payments were intended for. Navient applied the payment across all loans on XX/XX/XXXX. I called XXXX to confirm the payment was sent to Navient with those instructions on XX/XX/XXXX, and they confirmed this. I called Navient to rectify this on XX/XX/XXXX, and they claimed they would now apply the payment to the correct loans. The payment was applied to the correct loans, loans XXXX and XXXX were considered fully paid off as of XX/XX/XXXX, and a refund of {$110.00} was issued to me for the amount of the principal my normal monthly payment reduced the refinanced loans by. Loan XXXX is now currently showing a balance of {$79.00}, and {$26.00} of my XX/XX/XXXX payment was applied to loan XXXX.
I was extended credit from The Lending Club through XXXX XXXX without my knowledge. The Dentist was performing procedures that we could not afford and I would never have approved had I known or been asked. He was performing these procedures on my wife without prior consultation to inform her what he was doing or how much it would cost.
In Regards to Complaint XXXX about XXXX XXXX. 

I have read the response of the company and disagree. They state " In addition, on XX/XX/XXXX, we  responded to XXXX XXXX correspondence with information about this loan, and provided a copy of the Loan Agreement. " I have seen no communication from them after repeated letters sent asking for : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. If they can not prove that they have sent this validation ( by way of certified documentation ) per my request they are in violation of the Fair Credit Reporting Act. Furthermore given that the time has lapsed from the date of the original request they have to delete this line from my XXXX report As they are in violation my next step will result in small claims court seeking legal remedies. 


Original Complaint. 
I have sent repeated letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my XXXX Credit Report. I have sent two letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
ABR Recovery Services LLC has illegally tried to re-age my account. ABR claims that my account was opened on XX/XX/XXXX, when in fact it was opened XX/XX/XXXX as proof by the ATTACHED LETTER BY XXXX for them to READ once again. They also claim this was charged off XX/XX/XXXX which is also incorrect as stated by the original creditor, XXXX. The letter has been attached to this complaint and has been sent to them. The account date of 1st delinquency was XX/XX/XXXX. The credit bureaus maximum reporting time is 7 1/2 years from that date as explained by XXXX. That would put this account well past the statue of limitations on reporting this account on my file. This account was not charged off by XXXX XX/XX/XXXX as ABR Recovery Services has falsely claimed. Their information is either incorrect or they are knowingly trying to re-age my account to try to collect a debt I am no longer liable for. 
ABR RECOVERY SERVICES, PLEASE READ THE ATTACHED LETTER BY XXXX PROVING THAT THIS ACCOUNT IS PAST THE AMOUNT OF TIME IT IS ALLOWED TO BE REPORTED TO XXXX!
I tried for seven years to obtain a home modification. Since I was not receiving any help and after submitting multitudes of home modification packages, as well as thousands of dollars to catch up, I went to court and enjoined the mortgage and FINALLY received a modification. After the modification, I received a statement from Nationstar, indicating I am released from paying PMI, and therefor my payment was changed. I tried contacting XXXX, to no avail. Then I received a notice from Caliber Home Loans LLC stating they had purchased my note but XXXX was still my servicer and I was to continue to send full or partial payments to XXXX, which I did and the payment was returned. On or about XXXX XXXX, i received notice of foreclosure on XXXX XXXX, clearly disregarding laws of foreclosure notice. I contacted Caliber,  and they refused to speak to me. Although they claimed I am not the mortgage holder, they said a " cease and desist '' communications was in my file? How is that possible since they never communicated to me? I sent a letter in writing as instructed and received a letter back saying they were investigating my claim of " errors '' made. I then signed in to my XXXX ACCOUNT prior to the foreclosure and received a statement " your loan has been paid in full, if you are on automatic payments, you will be withdrawn and owe nothing further. 

On XXXX/XXXX/XXXX, I received notice, without any outcome of Caliber 's  alleged investigation, ignoring my requests for production of NOTE or production of document with my signature on " cease and desist communications, that my home was foreclosed. My self and my XXXX young sons are now being threated to be locked out of our home via Sheriff. The notice was from the sheriff was addressed to my teenage son, my mother, who does not reside here, and myself whom Caliber has claimed all along that I have no mortgage with them. The is the most heinous, egregious example of an unlawful foreclosure, using UNITED STATES POSTAL SERVICE TO SEND FRAUDULENT AND MIS LEADING DOCUMENTS regarding the same.
Sometime in   XXXX   XXXX     I submitted a dispute with Experian stating that   XXXX   XXXX   which is a  3rd p arty debt collection for  XXXX  was not mines and should n't be on my credit file and I did n't owe them, the account number is  XXXX  after the investigation was completed   XXXX   XXXX   was removed from my credit file on   XXXX   XXXX   XXXX    , then on   XXXX   XXXX   XXXX       XXXX   XXXX   was added back to my credit report {$1500.00} without my knowledge I never received anything from Experian stating thi s 3rd part y agency would be added back to my report I do not owe this company as this debt does not belong to me I actually have  XXXX  now as my  carrier fo r cell phone service so how can I owe them a past debt and have service with them now, I would like to have this removed from my credit file again and not placed back on, this debt does not belong to me.         thank you
CITI credit card will not remove pending charges even after a three way call from XXXX that put three charges on card that was not autorized. It was CITI request to do three way calling they claimed that my card was a gift card and not a secured card? I am stuck paying XXXX due to false charges.
I have written and written this firm many many times with no response. they are reporting on my credit report and will not send me any information about the debt they are reporting. This firm keeps verifying with the credit bureaus without having validated it with me which is a violation of the law. They just ignore consumer mail i guess. this is causing me financial hardship and the continued reporting of an unvalidated unverifiable debt is illegal.
I cancelled my service with XXXX  on XX/XX/XXXX. In XX/XX/XXXX XXXX withdrew {$180.00}. When I called XXXX  on XX/XX/XXXX to investigate they to told me the over withdrawal was their mistake and they would issue me a refund for {$120.00} I was promised a refund and as of today XX/XX/2018 after calling XXXX  month After month I have not received my refund and now XXXX reps are disputing with me. I have a balance debt with XXXX  for {$130.00} for terminating early but what about my refund? Why did they withdraw {$180.00}. On XX/XX/XXXX if I canceled my service on XX/XX/XXXX and I still have a balance debt with XXXX
In the case number referenced above the creditor XXXX loan servicing was deleted from my credit file. As of XXXX/XXXX/2016 the creditor was placed back on my credit file without notice from equifax information services llc
Called today XX/XX/2019 asking for a credit for the {$39.00} late fee to be credited. XXXX of Delaware Call Center said she could not credit me. 

I told her it is not my fault that I made the payment on the due date but due to the Federal Reserve system it took a day or 2 to post to my account. 

Please talk to XXXX XXXX about these fraudulent charges and how they hurt his market share by not treating customers properly.
on XX/XX/2017 I applied for XXXX XXXX credit card and I had hard inquiry on XXXX  which fine and normal then I found another hard inquiry for same company on XX/XX/2017 I did apply for the credit onetime and I got approved on XX/XX/2017 for credit line XXXX . I never apply again to get another hard inquiry for same credit card in few week after XX/XX/2017. its from XXXX XXXX for XXXX XXXX XXXX XXXX. thanks
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX. XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX, XXXX. 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed all of these items by letter with all three credit bureaus.
Debt placed on my credit report that was never verified or validated. I don't recall receiving any information through mail or by phone of this alleged debt. This debt has lowered my credit score causing me to be declined for new lines of credit, and having to pay higher interest when approved. Please remove this debt, i am not the owner.
At XXXX XXXX cst I received a call from my mom who then asked me about debt via XXXX. I say what and she states a woman on the other line mentioned it to her. I was bothered that any possible debt was mentioned. 
I was brought in to talk on a three way call. Young lady did not verify me until later in the call. Asked her to not call my mom. 

Did not think to tell her not to tell her to not share information with third party. 

The business was LVNV Funding, LLC
I have been having problems keeping track of what is in my account due to my bank not proccessing my transactions on time.
I DISPUTED SOME ACCOUNTS THAT I DO NOT OWE TO. I DISPUTED WITH EXPERIAN AND XXXX AND XXXX, I WANT THESE ACCOUNTS DELETED ASAP, I WILL SUE IN FEDERAL COURT, AND I ALSO FILING A XXXX  COMPLIANT, DELETE ALL ACCOUNTS FROM CREDIT REPORT ASAP
The original holder of the debt sent me a bill for {$470.00} in XX/XX/XXXX. I called them and asked if they offered a discount for uninsured patients. I talked with someone named XXXX. She told me that they offered a 25 % discount to uninsured patients, and she said she would send me a new bill in the mail. A few days later, I received a bill say that the bill is {$350.00} for self-pay patients. That letter is dated XX/XX/XXXX. 

Within a month, this bill was sent to collection to the Credit Bureau of Lancaster County , Inc . They said I owed {$470.00}. I faxed them a copy of the bill in which I was told I owed {$350.00}. They responded with a letter dated XX/XX/XXXX saying that the discount did not apply if the bill was sent to collection. However, that is not what XXXX said, and that is not what it said in the bill that was mailed to me on XX/XX/XXXX.
I applied for the Citi AAdvantage credit card on XX/XX/XXXX. About 2-3 weeks later, I received a letter from them asking for my pay stub to verify my income. I sent them my pay stub right away. Today ( XX/XX/XXXX ), I received another letter from them asking for my utility bill to verify my address. So, my questions are : ( 1 ) why can't they use the address on my pay stub to verify my address, and ( 2 ) why they didn't ask for both my pay stub and my utility bill last time? 
I called their customer service ( XXXX ), but their representative didn't give me a reasonable explanation. He also told me that my application will not be considered until they receive my utility bill. In addition, I have another credit card and checking accounts with Citi. Why can't they verify my address using my address information in their system? I don't know if they will ask for something else after I send my utility bill, and I don't know how much longer this application process is going to take ( it has been 4 weeks since I started ). So, I canceled my application. 
They have already pulled my credit ( and I have 800+ credit ). 
I think they are very inefficient, and they don't respect their client 's time.
I had a Target store card and they " upgraded '' it to a credit card that can be used anywhere and it was stolen, I informed the credit card company and they sent me an affidavit. I filled it out and sent it back. A month later I received a letter from Target saying my claim was denied and because I did n't provide them with a police report ( they never shared I had to ) and when I asked why noone called or communicated that I needed to get one, they stated they do n't have to tell me that. They are now sending threating letters to report it to my credit and everytime I call to speak to XXXX ( the claim specialist ) she refuses my call and " supervisors do n't speak to consumers on disputes ''. I need someone to step in because this is unfair treatment of a consumer.
I was unable to put my college, XXXX XXXX XXXX California, into your system. 

PLEASE DESCRIBE THE ISSUE YOU HAVE REPAYING YOUR LOANS OR GRANTS? 

I attended XXXX XXXX of California, which closed while I was attending. I was told that because I was a single mother of XXXX and making very little that I would be able to attend college for free. Not only did the college close as I was attending, I also was saddled with a large debt. XXXX XXXX also gave me the promise that I would be able to return and continue my training after graduation, this was vital to me as a mother of XXXX, I would need to continue my training ; another unfulfilled promise. I have talked to my loan providers numerous times about this and have always been shuffled along while the interest on my loan has almost doubled. 

I then took out a private loan to get my XXXX XXXX degree. I have paid this off in full. Several teachers told me I should get my California teaching degree and that there was a great program called The XXXX and it would pay off any student loans that I had because our school is a rural, XXXX  XXXX school. I was also told that the XXXX is a great program by XXXX, and many teachers that had done the program in the past had left not owing anything. Because I was in a XXXX school the XXXX would apply to me. I joined XXXX 's teaching credential program. I was finishing my XXXX degree, working on my CA XXXX degree, mothering XXXX children and working full time. I went to immediately apply for the XXXX program and was told it was no longer viable. I called my the Department of Education in XXXX and my local senator at the time. I was told that the government felt like the program was under utilized and so it was on hiatus. I begged to be grandfathered in ; my pleas on deaf ears. I then applied for the XXXX program, while I was in my Ca. Credential. Nothing ever came of this, except I received a new whopping debt to add to my last debt. 

I then was advised to apply for the XXXX XXXX XXXX, as I have over 5 years working at a XXXX XXXX XXXX. This was rejected. I have tried to call, but every break I have my loan servicer is closed. 

I work weekends, nights, holidays trying to bring the best education I can to my rural students. I have been dis-missed by the student loan servicer and government, undervalued, underpaid, overworked and saddle in accumulating debt. This is unreasonable!
I opened an account with Chase in XXXX. I made charges to the card. On XXXX/XXXX/XXXX I checked my balance and found out that the card was closed. I called the bank to find out what happened, why the card was closed after 3 months. They said they did a periodic check on my credit and decided to revoke the card. Now, since I had opened the account, my overall credit card balances has gone down and my credit score up. Now that they closed the card without warning, my credit took a 14 point hit. They wo n't elaborate on what changed and they are refusing to make it right with the credit bureaus.
I have multiple student loans that have been in repayment for more than 10 years. I currently owe about $33,000. I asked my previous loan servicer, Mohela, about qualifying for the Public Student Loan Forgiveness program and was told (via phone conversations) that I had to work for a qualifying employer and make 120 on time payments. They did not inform me that only specific types of payment plans qualified. Only recently did a Mohela representative point me to the correct form for PSLF, after years of being told I was on track. After completing the paperwork, I learned that NONE of the payments I made over the past 10 years qualify for PSLF because of the type of payment plan I was on, even though I was making on time with payments and worked for qualifying employers. I chose to work in the XXXX and public sector in part because of this program. I feel that Mohela misled me and provided incorrect information. Furthermore, the Federal Student Loan materials related to this program are confusing, not transparent, and difficult to navigate. Now that I've switched to a PSLF plan, it's nearly impossible to get straightforward answers to questions.
Macy 's Debt Collection XXXX is contacting, an employee of XXXX XXXX who does not have a Macy 's credit card and attempting to get her social security number and asking her about other people who work at XXXX XXXX once they learned she does not have a Macy 's account. They call 3x 's per day and go thru the IVR to get to her extension. It is very annoying and disruptive. It seems like a scam to get information.
Despite multiple requests, the unverified item with Capital One, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted Capital One via mail and have returned undelivered mail with inaccurate address on file, and via phone Capital One has told me I never had late payment with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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. 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, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Reviewed My  XXXX ,  XXXX , and   XXXX   report and say this collection from Conserve I have never had an account with Coserve nor do I owe the original creditor any money. I would need some kind of validation show how and why I owe this money.
This company keeps contacting me and my job even though the debt is not mine. The worker stated that she will not stop contacting even though she knows I do n't owe them anything. This collection company is jeopardizing my job.
My name is XXXX XXXX XXXX. This has been my legal name since XX/XX/2016. 

Since XX/XX/2016 I have provided information to each credit agency multiple times to update my name. They refuse to do so. 

All of my accounts are in my correct legal name, XXXX XXXX XXXX. None of the credit agencies will remove my old name, XXXX XXXX. 

Because of this, absolutely no credit is working. I have had devestating medical costs and can not get a loan because of this inaccuracy that they REFUSE to fix.

Until this is fixed, I will be denied again and again because no one can " confirm my identity '' and they " suspect fraudulent activity '' I am in tears trying to fix this. I absolutely need help.

I have contacted TransUnion 3 times this past month to fix this error and they refuse to do so. If anything, they have solidified that I somehow have 2 legal names. This is incorrect. 

In XX/XX/2016 I had my drivers license legally changed, my social security information legally changed, and have submitted Notarized Court Orders with my updated name.

I have no recourse and no options left. I will never be able to access credit because of these three agencies and their refusal to correct my credit report.
After paying off my boat loan with US Bank, they sent the title to the bank XXXX where the check was drawn from and not to me. 
Upon calling to find out where my title was I was told by their account rep ( XXXX ) that they were sorry and a new title would be ordered and sent to my address. A month later I called and spoke with ( XXXX ) who informed me that XXXX never ordered a new title and that it could not be ordered. 
I then spoke to a supervisor ( XXXX XXXX ) who stated they were sorry and I should go to the DMV with the lien release and obtain a new title through them. XXXX XXXX was unaware that I would have to pay for a new title through DMV and again all she could say was sorry. She also stated contrary to the second rep I spoke with that a duplicate title was sent to my address yet I received nothing in the mail. 
I received the new title at the DMV at a cost of {$60.00} payable by me and when calling XXXX XXXX back she has routed my home phone which is associated with the account to a general mail box, yet when I call from my cell I can get through to her voice mail. I 've left 3 messages ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and she wo n't return my calls to find out how I get reimbursed for their mistake. After much frustration I call XXXX ( Regional Supervisor ) and left a detailed message for her on XX/XX/XXXX and as of today XX/XX/XXXX I have not received a call back. The new title cost {$60.00}