WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a loan consolidation and for my repayment plan to be changed to XXXX on XXXX/XXXX/XXXX. I was never notified about anything except being asked to show proof of my income on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I provided. I called on XXXX/XXXX/XXXX to check the status of my consolidation and was told it was stopped because my loans were deferred because I was in school. For 1. I am not in school so my loans should not be deferred and I should be able to make payments on them. Second, when I filled out the loan consolidation application I requested that my loans be consolidated even if they were deferred and that I start making payments on them immediately. I check that box for this. I am now told today XXXX/XXXX/XXXX that I my student loan consolidation was stopped without notifying me and now it will be not be done by the end of the year to received the interest deduction for taxes.
I am writing this email in regard to the coinbase class action lawsuit pertaining to the miserably failed launch of the BCH USD Trading pair on Coinbase / XXXX. I lost funds during the debacle and would like to know how it would be possible to become a part of the lawsuit. I wrote several emails to XXXX support and was hung up on twice by support staff when they refused to answer my questions. They even referred me to a " rule '' in their terms of service stating that they could halt trading on the exchange as they seemed fit, this rule was added AFTER they screwed up the BCH launch. 

This is an excerpt from the message sent to them : " I placed an accidental buy market order on BCH instead of XXXX with all the funds available in my account ( Approximately {$12000.00} ). This was my mistake, yes. Had it occured on a normally traded pair such as LTCUSD or ETHUSD, I would not have minded the slight loss of my error. Not even a half a second after I realized my mistake, I attempted to sell out and XXXX halted trading knowing full well that over 2k BCH had been sold and bought at manipulated prices. 

When trading opened today at XXXX PST, I frantically attempted to sell in order to salvage what was left of my funds and managed to cash out at ( XXXX XXXX ) which left my account at {$6600.00} for a Total loss of {$5700.00}. All because of a failure to make sure there was enough liquidity in the books before opening a new trading pair. ''
I had a credit with Barclay. The continue to report the status of the account as 60 days past due to 2 of the credit bureaus. This makes an account that is closed and paid in full report as an active delinquent account. they failed to report payments made after a missed payment which would have taken the account back to current status with the credit bureaus. They knowingly are doing this to keep this account delinquent seeing I closed the account after issues with their system accuracy. The account was never 60 days past due
The week of XX/XX/XXXX midland management was blowing up my phone, my mothers phone, and my mother in laws phone all over my debt. I called them and said to remove their numbers and do not call again. They continue to call my phone now and my mothers. They did stop calling my mother in law. They also call from multiple different numbers from other area codes. They will send me ups packages of a bill. I have tried to set up payments with them and it just doesn't seem to be working out. They still are calling constantly and threaten suing me. The customer service is awful. I just do not think its right they have contacted my family about my debt.
Disputed XXXX 's account because it was paid in full but Equifax was still reporting a balance. When I disputed I sent a copy of the receipt and letter stating that the account was paid in full. When the results of the investigation came back, Equifax stated that the information was verified. I contacted the creditor and was informed that the balance was {$0.00} and was reported as such. The account was paid in XX/XX/XXXX but is still showing a balance as on today XXXX XXXX and was disputed on XX/XX/XXXX with results on XX/XX/XXXX. I feel that the information should be deleted since it has been well over 30 days and creditor has stated that account balance is {$0.00}.
The bill should only be XXXX. XXXX in XXXX, FL stated a payment was late and added a {$50.00} late charge. DO Not Let Your Kids move in those apartments. This is a bad place for students to live. Please have them to give you a detail of payments from my son account. Never late paid 4 months in advance. I tried for 3 months to speak with someone in management. This is 3 hour away from where I live. I never received a call back. They have students running there office. I will pay the amount that is owe of {$92.00}. I have a credit score of XXXX it dropped toXXXX do to this. Please remove off my credit until this dispute is settle. You should look into XXXX adding extra on each bill. Please look into this matter so that I can settle it once and for all! Thank you for your time!
I closed out my bank account over 3 years ago. At that time I turned in my keys to my safe deposit box. They continually send me bills for the safe deposit box that I do n't have and closed out correctly. The bills have added up to {$240.00}. 
I do n't owe this and contacted them in writing several times only to be ignored. 
My name is XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX. The Bank is Bank of America, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX My email is XXXXXXXXXXXX
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PHONE ACCOUNT NUMBER XXXX REFERENCE NUMBER XXXX DATE OF DEFAULT : XX/XX/XXXX SCHEDULED LAST PAYMENT XX/XX/XXXX PAYMENT {$50.00} NO PAYMENT ARE REFLECTED ON XXXX CREDIT REPORT NOR HAS ANY OTHER PAYMENTS HAVE BEEN POSTED MY BALANCE SHOULD BE APPROXIMATELY {$130.00} AT THIS TIME NOT {$850.00} BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL PHONE XXXX XXXX XXXX HOME XXXX XXXX XXXX I WISH TO HAVE HIGHER SCORES ON MY CREDIT REPORT THANKS IN ADVANCE.
Summary of Issue : JPMorgan Chase Bank, N.A. ( Chase Auto ) has reported account delinquencies for a closed auto lease account without notifying me of any amount being owed and they have continued to refuse to provide an invoice or statement to me for the amount supposedly owed. The credit bureaus have since downgraded my credit rating and the delinquency is published on my credit reports. 

Description of dispute : I entered into a 36-month vehicle lease with XXXX XXXX XXXX ( JPMorgan Chase Bank, N.A. as assignee ) on XX/XX/XXXX. I made all 36 monthly payments associated with this account in-full, returned the leased vehicle on-time, and I have never received notice of an additional amount being owed via mail, electronic mail, or otherwise. My account with Chase closed the day that I returned the leased car and I have not received a statement since I returned the car to the XXXX dealership. 

On XX/XX/XXXX, the day before I was due to leave on my honeymoon, I received a notification from my XXXX  credit monitoring service that Chase had reported a past-due balance of {$1600.00} on my Chase account and that the account was at least 30 days delinquent. I had no knowledge of what this {$1600.00} debt consists of. As a direct result of these negative reports to the credit bureaus, my credit score was lowered by 106 points. 

When I discovered the negative reports, I immediately submitted a dispute to XXXX, but Chase only confirmed to XXXX the existence of the debt, which does not resolve the issue. A review of the online portal for the closed Chase account on XX/XX/XXXX revealed no current statements. 

I notified Chase by letter on XX/XX/XXXX that a delinquency was reported to the credit bureaus for a debt that I have never received a bill for and I requested a statement of the amount owed. I received a letter response from Chase on XX/XX/XXXX wherein they only stated that they reported an outstanding debt. I replied to that letter on XX/XX/XXXX to inform them that they have misinterpreted the issue and gave them 30 days to resolve the issue, but I received the same form letter in response on XX/XX/XXXX. 

I received a collection call from Chase on XX/XX/XXXX, wherein the caller, XXXX, stated that they had sent a bill to the incorrect address. During the term of my lease, I moved to a new address and notified Chase of this move by updating my contact information in my Chase Bank online account more than two years before the termination of the lease. I also listed my new address on the lease termination and vehicle turn-in documentation. My Chase Bank online account lists my current address in my customer profile. Despite this, Chase Bank has apparently sent statements to an incorrect address. 

Chase did not notify me that I owed an amount before it reported that amount delinquent to the credit bureaus and it has continued to report a delinquency. Chase did not notify me within 30 days of making those initial reports to the credit bureaus. Chase has continued to refuse to provide me with a written statement of the amount owed so that I may review it.
Issues : 1. Loan has Impounds for tax and insurance, I received a letter from Ocwen for me to pay prop taxes. Tax Bill is delinquent. 
2. Reporting negative to Credit Bureaus when payments made early or on time. 
3. Ocwen is trying to make me agree to changes to the modification now that settlement has been signed. 

I in XX/XX/XXXX requested a loan modification because XXXX ( at the time ) sent me a letter that my payment would be going from {$3300.00} month to {$13000.00} per month. I made 5 attempts the 1st attempt I was not delinquent on the loan. The representative at XXXX ( XXXX told me I had to be at least 90 days late for them to consider me for a modification ) So I took her advice and requested XXXX more mods ... .I could never get a response. 

When they sued me, I requested a modification again and they refused eventually they said they would give me a modification. My modification was part of my settlement. I would execute their documents in exchange for my modification. Which is still way over value my house is only worth {$490000.00} and I have a modification for {$890000.00} plus a balloon payment. 

NOW they are saying I do n't have a modification if I do n't sign their newly revised modification documents. My 1st payment was in XX/XX/XXXX for a XX/XX/XXXX payment effective XX/XX/XXXX. I have tried to contact Ocwen to set up auto payments but they refer me to the law firm. They had me sending the payments to the law firm but the law firm was sending them the Ocwen so late my payment was getting processed toward the end of the month. So I last month and this month have sent the payment directly to Ocwen with proof of mailing ( just so the payment gets there on time. 

I have attached the Court Settlement Documents as well as The Fully Executed Loan Modification as well as the 2 Attempts to revise my modification. ( That I do not want to sign ) It even says in my executed modification that it ca n't be altered.
Hi, I have paid  MARY JANE M.ELLIOT P.C  the debt I own them, on   XX/XX/XXXX .    I paid them {$4000.00} We both agreed for this amount.   After I made the payment I called them and asked them if they received the money, they said everything is fine now and soon it will show on the credit report that you have paid the debt.   After a week I have received a letter from  the cou  rt, XX/XX/XXXX  d istrict court, it was a garnishment release.   I call again  MARY JANE M.ELLIOT P.C ab out this letter and they said it was about your debt which you have paid and you are ok now.   I had to check my credit on     XX/XX/XXXX  a nd I noticed that the debt which I paid t o MARY JANE   M.ELLIOT P.C w as showing as unpaid.   I c all MARY JANE M.ELLIOT P.C ab out this and they said, the court must have fixed your problem, we ca n't do anything about it.   I call the court at the same day, they said they have n't received a disatisfaction judgment from  MARY JANE M.ELLIOT P.C,  without it we ca n't help you.   I ca ll MARY JANE M.ELLIOT P.C, th ey said they sent it and they ca n't help me .. . ..I ca ll the  XXXX  district court again, they said, they never received it and without it, we ca n't clean your debt.   I have called them many times and they still keep saying me the same thing.     XX/XX/XXXX   Thank you!
I paid my outstanding balance in full as of XX/XX/18 and contacted XXXX XX/XX/XXXX after viewing my credit report. The transunion report indicated I owed the company {$850.00} and had not been reported for over five consecutive months. I submitted a dispute to the company via their complaint process and was assured the balance would be updated and reported as satisfied by XX/XX/XXXX. I also submitted a dispute via Transunion. On XX/XX/XXXX I received notice from Transunion the dispute was complete and reviewed my credit report. The update submitted by XXXX indicates I now owe {$360.00} which is also inaccurate as the balance has been completely satisfied. I contacted XXXX on XX/XX/XXXX and was told I would have to resubmit a dispute as re-submission is their sole escalation process. I made very clear my dissatisfaction with their service and told them I would not resubmit a claim to a process that is clearly broken based on their prior actions. I further informed them that their lack of due diligence failed to make me whole and they were in clear violation of FCRA. I also made clear my next course of action would be to file a complaint via the CFPB.
Experian refused to communicate with me via email ( please see attached ). I think this is a deliberate attempt by Experian to shield itself from valid inquiries and questions ; to limit my access to information ; and to force phone calls to persons who are undertrained and/or morons and/or having me waiting " on hold '' for extended periods of time. There is no valid basis not to communicate by email, and in fact it has the favorable effect of having a written trail of what is communicated.
I was offered a pre-paid card from Continental financial, but was not interested in their services. They made an inquiry into my credit which has negatively affected my credit. They will not remove the inquiry and it has negatively impacted my credit.
I just got in the credit reporting of annual credit reporting service and found two credit bureaus of XXXX   and XXXX except Experian and also received those downloaded and saved PFD. There is no sign of what I have seen Experian itself provided via annual credit reporting but already checked out in Experian along with two of them. Therefore, I have determined filing a dispute as I request a complaint about missing one of those on the annual credit reporting. That is how I am affected if it may be caused a scam or disadvantaged offer without the indication of Experian. That is how I am concerned as long as I have to file a disputed complaint! 

Thank you for allowing me to stand up for my belief by not agreeing with annual credit reporting system!
I am trying to recover surplus, the overpaid escrow, {$3000.00} plus. 
Started in XXXX XXXX, after my taxes were paid.Regardless, Ocwen Loan servicing, LLC send more money than needed to state, state returned all, that they send. I asked in writing, to do partial modification, stop paying already paid taxes, keep calling, talking to ombudsman. I was told, that they will return my money, within 30 days of recalculation XXXX XXXX, XXXX. 
Now they are saying, that since I am late with XXXX payment, they will not refund overpaid amount. 
Under Federal law RESPA, that they are in violation, that the lowest monthly balance should not exceed/fall below {$870.00} and trying to collect more money. 

Please, help XXXX XXXX XXXX XXXX XXXX XXXX
My credit report on experian.com is showing under my personal information that I have an alias called " XXXX XXXX ''. That is not my name and I have never used that name in relation to any financial legislation. I have witnessed this false information on experian.com under my credit report on X/XX/17.
portfolio recovery associates sent me a letter in response to my dispute regarding the validity of this account XXXX, ALSO two other accounts they have on file with the acct # shown as XXXX, but they sent me a bill WHICH IS NOT VALIDATION AND ONLY VERIFICATION OF AN ACCOUNT, addressed to an address that I have never resided as highlighted on my city of XXXX police department report ( attached ). also attached is the FTC report, and my 2016 tax returns showing my address at the time this account was created please remove this account from my credit report and correct the record, as I have sent several request and followed the law in providing this ID theft packet, which was also sent via certified mail with a return acknowledgement of receipt on your part.
Its hard to believe that after 19 long months fighting these masters of technicality, they are still causing me problems. You have on file some of the problems I presented many months ago but they never quit! They are corrupt and I have proof! Even to the point of the final signing with my ex-spouse, they fought. Signatures on XX/XX/2018 were initially rejected, after they were rejected a week before and forced us back before a notary. Yet, when I called no one could spot anything wrong with the signatures!! They insulted the integrity of the bank notary, myself and my former spouse. A XXXX, in their Ombudsman dept. did ask for a " Why '' on the second notary signing and it was overturned. One person in 19 months that actually helped me, ONE. Now, after all this, Ocwen received my XX/XX/XXXX payment on XX/XX/2018 and that's when they actually accepted the signatures. That's right! I was told by including XXXX my payment history would not be updated until the first week of XX/XX/XXXX. Lies. Now they tell me they are not going to update my payment history until the end of XX/XX/XXXX.!!!! Its a shame. Its hurting me, really bad. The new reduced payment amount of the mortgage is showing at the credit bureau, that is {$1100.00} but I am still showing 120 days PAST DUE!!!! IT isn't fair. They are constantly on a witch hunt, a fishing expedition and change the rules just anytime, whenever, wherever .I cant begin to express the humiliation, daily pressure, the ungodly days and nights I've spent with this, and again, had I known just how wicked they were, and that they were facing a cease and desist order I would not have fell into their mod trap. I expect them to correct my payment history at the credit bureau immediately to show current and paid to XX/XX/2018 Ocwen also needs to immediately stop sending my former spouse 's mail to my address. They apologized for this a year ago but started right back months later. She was patient and cooperative during the signing process and I am thankful and wish her sincere blessings. I am paid to XX/XX/2018!! 
Thank you CFPB XXXX XXXX XXXX XXXX XXXX. # XXXX
WFHM USED THE WRONG DATE ( a XX/XX/XXXX date, my loan closing date was XX/XX/XXXX, the time period was XX/XX/XXXX through XX/XX/XXXX ) and I was deliberately excluded from the fair housing claim settlement, DOJ v WFHM lawsuit, which has been the subject of CFPB complaints against WFHM before and after foreclosure of my home of 15 years. 

Foreclosure was on XX/XX/XXXX. 

I read every page of the 57 plus page document as well as the 87 plus page documents continually sent by WFHM without the answer in question. 

WFHM responded to all complaints continually and intentionally leaving out the answer to the main question everytime ; I ask again ; Please, Please answer the question WHY WAS I NOT INCLUDED IN THE ABOVE LISTED SETTLEMENT even though I met all criteria????????????
I received a notification on XX/XX/18 from XXXX XXXX, of which I am a member, advising that my Account through XXXX XXXXWalmart Credit Card had been reduced by {$4500.00} and because of this my credit score was adversely affected. 

I immediately called Synchrony to inquire. I was advised by a Representative that my account was in arrears. I advised I had made two payments in XX/XX/2018, the 2nd payment was to go toward the XX/XX/XXXX statement. The Rep. advised that my payment of {$50.00} was {$3.00} short of the Minimum payment. I apologized and said I would make the payment, I was told that I now was responsible for a payment of {$130.00} which included late fees and insurance. This is the first time I had a late payment and was upset about the late fees which seemed ridiculous. I asked to speak with a supervisor and the young woman I was speaking to forwarded my call to the Collections Department unbeknownst to me. The man I spoke with just kept repeating over and over that he was attempting to collect a debt and that I needed to make payment immediately. 
I made the payment while he was talking and advised him of same. I told him, thinking he was a Supervisor, I wanted to discuss the reduction in my credit limit and the report to the bureau advising I was at 97 % of my credit limit. He just kept repeating that a letter had gone out to me and he was not at liberty to discuss anything about that. I asked to speak to his Supervisor and was advised no one was available to speak to me. I was told again I would be getting a letter in approximately 10 days. 

Due to this unfortunate turn of events, my credit has suffered greatly, I attempted to apply for another card on XX/XX/18 and am currently waiting for XXXX  XXXX to respond, my plan is to pay off XXXX XXXX and close my Walmart Account. My credit score went from being good in the mid to high 720 's and it is now at XXXX, which is considered fair. I feel that Synchrony is using the fact that I have recently retired to reduce my line, even though my spouse and I are still making in the 50K range. I was not called, written to or given any chance to discuss anything. 

Previously, in XXXX of 2018, I attempted to make a {$42.00} purchase from Walmart, the request for purchase would not go through and I called the number on my card to inquire. I was told at that time, that I needed to update my address on my account. I advised I had done that months ago when I moved. When I went onto the website to look at the address, a question popped up in the middle of my screen asking what my yearly income was. I responded to the question and was still unable to use the card. I purchased the item using my Paypal account. I contacted synchrony again and was told by the Rep. that the reason the purchase did not go through was that I tried to submit it more than once. There was no mention at that time of a reduction in the credit limit.
Cap One is reporting an unpaid balance and reoccurring delinquency dates for two cards that they canceled the debt on and issued me 1099 's for in 2015 to pay taxes on as income. They are illegally reporting these items still after all these years. 

See the screenshots of the 1099 's and recent credit report attached for the two accounts ending in XXXX and XXXX