WillisBack/dataset-financial-user-claim huggingface dataset:
Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from Discover could not be collected by any other means. On XXXX XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  XXXX MA XXXX trying to collect the discover debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.
Despite many request, even though I paid the {$50.00} fee for forbearance, your servicer Navient still did not put this loan in forbearance. 

As explained before, I need more time and making progress to solve the case in XXXX. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.
I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than two payments past due (  2  ) -  XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX  has flagged your account as Not more than  two  payments past due (  2  ).   Alert Type : Potentially Negative Found On :   XXXX   XXXX   XXXX     Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your  credit score .     Balance spoke to  XXXX  last payment made- way   XXXX   XXXX    Paid up through  XXXX . Confirmed. I then asked for an acct manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a  manager  who I relayed my request for resolution! I finally Reached  XXXX  a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.
Yes- my Auto Loan Payment with USAA Federal Savings Bank is supposed to be taken out of my checking account on the XXXX of every month. Until today this was about the only thing with USAA that was working correctly. Additionally I added my mother 's name to my accounts, and service representative I spoke about with my auto loan could not yet again tell me how to do this simple action. I sent them a letter signed by my mother on XXXX XXXX XXXX and no action, or even acknowledgement of receipt occurred. Also they simply did not call my mother if, as agent today stated, they had verification issues. Finally, I spoke about a week ago with the XXXX XXXX XXXX about getting my mother off my accounts, and the gentlemen I spoke with could not even keep up, as had to repeat myself several times, nor tell me how to do this, and was supposed to get back with mee but never did. USAA was open today, but the XXXX XXXX XXXX was off for labor day weekend. Finally, my home mortgage payment was supposed to be taken out yesterday on XXXX XXXX XXXX, but was not- when will it be taken out now XXXX XXXX XXXX? 4-days late? How is one supposed to manage finances with this type of service? Finally, USAA supposed to be a XXXX Bank XXXX service member worldwide in all time zones and not even open XXXX XXXX a week- so how do XXXX service members, especially in XXXX communicate now? Finally today they could not get the XXXX time text code to come through to me after 3-tries!!!! Is all this acceptable????
Recently, Bank of America lowered my credit limits on XXXX cards without basis. When I questioned them they told me it was due to XXXX reporting my account overdue -- -which was reversed after I filed a lawsuit against them. They dropped me {$6000.00} from XXXX cards causing me to have to drop out of school. When I researched it with XXXX XXXX, I saw that though Bank of America promised to remove a hard inquiry that was done without my permission, it was still on my credit report. I called and spoke with XXXX XXXX, who told me that though the president 's office told me they would have it removed, it would just fall off in two years. She told me that though I had never been late for any payments, they lowered my credit cards and did n't care how it effects my good credit. When I asked for this to be escalated, she outright refused. Now, I have to drop out of school. I told her that XXXX made a mistake on my report, but she said they would have to foist another hard inquiry upon me in order to check. When I told her I sent a certified letter to the president she also told me he would not help me and that though I 've never missed a payment, they did this because of what XXXX did to me.
I bought an RV in 2006 for $ XXXX. I made installment pymts of {$630.00}. for 8 years totaling $ XXXX. My husband got sick, I gave back the RV to Bank of the West. They sold it for $ XXXX. They are now suing me for interest money! They did not lose any money on the $ XXXX they loaned me in 2006. They got it all back in 8 years and now they want $ XXXX more! HELP
Our loan had been transferred to Freedom Mortgage, we were on a biweekly payment plan as we wanted to payoff the loan faster. We ended up moving from XXXX Texas to XXXX and sold the home. During closing a payoff amount was requested and we contacted them to notify that the loan would close on XX/XX/XXXX and the payment for XX/XX/XXXX would be included in the payoff amount. A represenative told us this was normal practice and so we went on to close the loan on the XX/XX/XXXX. Once the loan was closed and paid in full, we began looking for a new home in our new XXXX of XXXX. Come to find out our credit had been dinged badly due to Freedom Mortgage saying we had missed XXXX payments!!! WHAT?? I immediately got on the phone to find out what was going on. After countless phone calls and talking to representatives and waiting for supervisor call backs ... .still they can not put me through to anyone who has the authority to look into the matter and realize that NO payments were missed and the loan is closed and paid in Full!! This has prevented us from looking for and applying for a new mortgage. This is by far the worst handling of a situation where a client who has always been in good standing and has completely paid their loan in full, is being completely discredited by a mistake from their company!! It completely disrupts peoples lives!!
I opened a checking account at a Citibank branch in XXXX XXXX, IL on XX/XX/2016. I was assisted by XXXX XXXX, a XXXX XXXX. My intent in opening this account was to receive their offer of a {$400.00} bonus plus a referral bonus of {$100.00}. During the application process, their computers experienced a computer glitz requiring another account to be started. The first failed account caused me problems of XXXX balance warnings and service fee notices until I contacted Citibank with the issue and this account was closed XX/XX/XXXX. Despite meeting all the requirements with my active account, I did not receive my bonus and referral fee when due by XX/XX/2016. I contacted Customer Service on XX/XX/XXXX and filed a dispute. I also reported the problem to XXXX XXXX as they recommended. She was very apologetic and found out the delay was related to the first failed account and would try to get the bonuses to me ASAP. AS of this week, Citibank is claiming that a large volume of disputes is causing a 30 day delay in processing. I would like Citibank to honor its promise to credit my account with the earned {$400.00}.
I am past due 2 months on my mortgage due to no employment. I will be 3 months past due in XX/XX/XXXX. As I spoke to my mortgage company earlier in XX/XX/XXXX they stated that I needed to come up with {$4000.00} to stop any foreclosure process- I explained my situation and advised I can pay XXXX payment now- THey refused my payment and stated that even if I send it in they will not post it and they will send the check back- I sent a payment of {$950.00} on XX/XX/2017 and as of today XX/XX/2017 nothing has posted as I check the website daily.
I was told today on the phone that an old cell phone bill from 2002 I am going to be sued in XX/XX/XXXX for this debt, I was told the collection agency is n't suing me, its going to be litigated which has no statue of limitations.
Select Portfolio Servicing caused an unauthorized individual to trespass upon my property for the purpose of harassment and intimidation on Friday, XXXX XXXX, 2015. I was alarmed and afraid in my own home. I reported the incident to the police who made an official record of the activity which is in violation of local laws as outlined in the attached affidavit which I submit for CFPB review and follow up.
I had purchase a vehicles back in XX/XX/2017 and I had know idea that all these hard Inquires will be on my XXXX report. I have wrote many letter asking XXXX to removed all of 11 hard inquires that were listed without me knowing it. When I request my credit reports thats when I saw all of these 11 hard Inquires that I requested XXXX to removed them off.
OnXX/XX/XXXX I settled my whole Dept with your company in the amount of {$300.00}. After reviewing my recent credit scores from Equifax, XXXX, and XXXX XXXX, I noticed that instead of you guys reporting it paid in full, you in fact sent them a notice that I OWED you {$300.00} This in turn has opened a new negative balance on all 3 reports showing that there was a new account opened. I have called each reporting agency and all told me I have to go threw you guys and in turn, I have attempted to resolved his numerous times with absolutely no resolve. I have reported your company to the Federal Trade commission and soon going to report you to the better business bureau and the CEO as well. In turn, if it 's not resolved asap I am going to take serious legal action against XXXX XXXX XXXX. I want this and any affiliation with your company removed immediately with all 3 agency 's. I have paid the debt in full and in turn I will not allow your company to keep any negative judgement on my reporting agency 's. Enclosed is both receipts explaining exactly what your company did. 
Above is This is the receipt that your company sent to the reporting agency 's which in turn allowed them to report that instead of paying you the {$300.00} in full, that I actually had a balance ... ... ..!!!!!!! 

This is the actual receipt that should have been reported and I demand that you take this very serious and report the correct receipt to all 3 agency 's and have XXXX XXXX  taken completely off all my reports. 

XXXX XXXX XXXX, eqifax, and XXXX XXXX have all reported this as not only a charge off but new late payments and derogatory marks on my credit reports. Please tell them all that thes are paid in full. I have no emails to these company 's to send them the paid in full receipt. I want all agency 's to remove all affiliations with this account ....
I 've called every day for the last 4 days, and spoke with representatives and supervisors ( at least that 's how they identified themselves ) and I 've been told different and sometimes conflicting information each time. Each day the people I 've spoken with give me false information and interest accrues. That is not fair or legal. I 'm trying to settle my account. 

They say the settlement is being sent to their processing department, but when I call the next day to make sure it 's in process they say it was rejected for some different reason, even issues like an invalid email address which is a lie, we have communicated via email! 

They 're giving me the run around and each day charging me more and more money. I just want to pay them but they wo n't provide documentation of the settlement and keep charging me money.
Navient would not offer income driven repayment plan while I was in medical training 6 years. My credit was harmed and loans mostly stated in deferment.
Equifax reinserted a previously deleted collection for XXXX XXXX that was unable to verified per dispute " investigation '' results I received XXXX/XXXX/2016. I was just notified of the reinsertion via a credit monitoring alert on XXXX/XXXX/2016. However, Equifax reports the reinsertion date as XXXX/XXXX/2016. Either way, i received no notification from Equifax informing me that a previously unverified, dormant, and deleted debt has now been verified and re-entered into my credit file. Because the reinsertion has caused an exponential drop in my credit score I too would like information proving the debt is in fact valid and verified. Under FCRA sec 623 I am requesting disclosure of the " original creditors documentation '', on file that was used to validate the the data now being reported or removal of data from my credit file.
Went to buy a car from a dealer in XXXX called " XXXX ''. I authroized them to pull my credit report which they did not once but twice. They have told me that they only did it once and they would correct. Spoke to XXXX in Finance XXXX. One was pulled on XX/XX/2016 and the other on XX/XX/2016. I want one of them removed. I did n't authorize more than one inquiry.
Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -TransUnion does not provide me the opportunity to " dispute online ''. 

OnXX/XX/XXXX I became a member through XXXX to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- TransUnion does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " TransUnion '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary ''  Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since XX/XX/XXXX. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. Thank you.
I switched over to XXXX servicing because I qualify under the public service forgiveness loan. I spoke to several representatives from navient assuring me that all my payments from XX/XX/2015 would count towards the forgiveness. Well I was told my XXXX that I had to change my payment status. So I redid my information and was told of my new payment but that none of my payments from navient would count for the forgiveness loan. Navient assured me it would. Now 2 years of payments meant nothing for the forgiveness. I would like that rectify since the only way I will go income base with XXXX is if my payments from XX/XX/2015 count towards the forgiveness of the loan.
I am the attorney for XXXX and XXXX. 
Ditech apparently is the servicer and/or mortgage owner of the mortgage against their house at XXXX, IL, XXXX. There was previously a foreclosure against my clients, Case No. XXXX in XXXX County, Illinois that was dismissed in XX/XX/XXXX. My clients filed a personal Chapter XXXX Bankruptcy, Case No. XXXX which was discharged in XX/XX/XXXX. In late XX/XX/XXXX, the mortgage lender, Ditech 's predecessor, entered into a Temporary Loan Modification pursuant to HAMP rules because their mortgage was backed by XXXX. To make a long story short, on XX/XX/XXXX, Ditech assumed responsibility for the mortgage loan, and sent my clients an offer loan modification by paying {$1300.00} a month at 2 percent interest, which they accepted by signing and notarizing the agreement with the required payment on the due date. Ditech and or any other lenders in interest gave up their right to seek foreclosure by accepting the payments and agreeing to dismiss the foreclosure lawsuit, XXXX. My clients gave up their right to pay nothing, as the debt had been discharged in a Chapter XXXX bankruptcy. There was a legally binding, contractual loan modification entered into between my clients and Ditech as of XX/XX/XXXX. Every month since XX/XX/XXXX ( and during the trial period from approximately XX/XX/XXXX through XX/XX/XXXX ), my clients paid the required amount under the contract by Ditech 's own records. Since XX/XX/XXXX, Ditech has sent my clients numerous letters saying that their loan is in default, and demand payments of large sums, demanding my clients sign a new loan modification with twice the interest, and/or threatening to foreclose and take their home away. But our screenshots of Ditech 's own records demonstrate they are not in default, and Ditech is in breach of the agreement.
I was called by ARA,  XXXX , IL reference an account I paid off in   XXXX  . They threaten to sue me for an amount I did not owe in the first place. They indicated I owed {$2500.00} when the amount owed at the time was {$750.00}. I checked my credit report and the account referenced or amount was not listed my report. Can you assist?    XXXX  phone number is  (   XXXX   )   XXXX . I am resident of the  State  of Mississippi.
I recently ordered my credit report from TransUnion and notice that there were a few inquires that I didn't recognize or authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX via XXXXTransUnion XXXX XXXX XXXX XXXX XXXX via TransUnion XXXX TransUnion XXXX XXXX XXXX XXXX   TransUnion XXXX XXXX XXXX via XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these listed above are the inquires that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put a fraud alert on my credit report for XXXX, XXXX, XXXX for reasons such as this. I would like to have these inquiries removed immediately.
XX/XX/1983, U.S. Bank charged me {$96.00} Late Fee on my FRM Loan on XXXX XXXX XXXX, XXXX, IL XXXX. I protested, as the Late Fee was due to Administrative Error by U.S. Bank, but U.S. Bank refused to cancel the Undeserved Fee.
XXXX Senior Representative XXXX XXXX (? ) contacted me XXXX XXXX at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on XXXX XXXX indicating the debt was bought by JH portfolio not XXXX as XXXX had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on XXXX XXXX. 
I received calls 0n XXXX, XXXX, and XXXX, as well as XXXX. On XXXX I talked to XXXX again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledge of what a debt validation letter meant. He finally agreed to stop calling me until the debt was validated. To date it has n't been validated even though I was told it would be in too weeks. 
I would also like to point out the Pennsylvania is a XXXX party state for recording of conversations, and i was not told until half through the conversation with XXXX that we were being recorded, and at no time was I asked for permission to record.
my loan servicer fed loan servicing is failing to keep accurate track of the number of loan payments i have made with regard to public loan forgiveness. i have submitted the proper documentation and called to follow up multiple times. in addition i have previously received other borrowers private information via the mail.
I took out a payday loan expecting it to be a decent amount that was owed back. The interest rate was too high and at this time I am a student that is unable to set up a payment plan with the loan company. Today I received a threatening phone call saying that i had an order for my location, and that I would be arrested. It scared me, so I contacted the court house they claimed I had a case with and there were no records there. Also, I went online to make sure there was no warrant or such for a failed loan. The bank account that I used back in 2012 when I received the loan has since been closed because it was almost over 4 years ago! They are harassing me saying that I committed a crime of sort. When I have done no such thing. I had an email sent a few months ago that I responded to explaining to them that I would not be able to pay the funds at the time. Unfortunately Im not sure what else to do, and Im not sure If I am legally in trouble or what is going on.
I have tried for years to get modification on this property. I have sent all the required documents and it would always be a repeat. They claim some documents were missing although they were sent certified in XXXX package. At this point I need someone to communicate with Chase to get these documents to an underwriter to get this modification done.
I being sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while in XXXX XXXX. I did live there for 3 years, XX/XX/XXXX-XX/XX/XXXX, after XXXX military service. I moved back to XXXX XX/XX/XXXX for medical treatment. I was not properly notified, the debt is 7 years old, and the funds are exempt from collection, ( social security for XXXX, veteran compensation ) Midland Funding , LLC is the collection company in the states, represented by XXXX XXXX in XXXX XXXX.
XX/XX/2019, I spoke with a representative who stated that he was filing my dispute with a merchant for the amount of {$230.00}. I received a notice on my account that the dispute was filed ; however, when I went into the PayPal Dispute there was no case filed for dispute. It appears that PayPal is not processing my dispute for this merchant as promised and is indicated on the menu of the merchant. PayPal is providing misleading information. Also the fax number given to file a dispute does not work. This is the second time this has happened with PayPal.
Transactions which I believe to be fraudulent have been posted to my XXXX business checking account for the past several months. Although my XXXX representative was able to stop payment on future charges they claim they can do nothing about the prior fraudulent charges. Those charges originate from a JP Morgan Chase bank account. They are on behalf of a company called XXXX My bank was able to provide a JP Morgan originating account number of XXXX for those charges. Although I have made several attempts to contact JP Morgan about these activities I am NOT able to get past their automated phone tree so that I can talk so someone about trying to stop future fraudulent transactions and recover the money from past transactions.
I recently received an update on my credit report that a bill from the XXXX XXXX XXXX XXXX XXXX has been sent a collection agency on XX/XX/2018. The total balance due is {$180.00} and says the account was opened on XX/XX/2018. I have never had an account sent to collection or any derogatory marks or late payments. I didn't receive any phone call or letters regarding this bill so I wasn't able to resolve the issue before they sent it to a collection agency. I would like to see what can be done to receive some goodwill and have this mark removed from my credit report.