WillisBack/dataset-financial-user-claim huggingface dataset:
I had a student loan debt in the amount of {$2500.00} give or take a few. XX/XX/XXXX I paid over {$8000.00} to take care of that debt and am still paying now - just recently I was sent to XXXX to pay the last {$800.00}. I received a XXXX for showing XX/XX/XXXX a total of {$3.00} was paid as interest on my student loans. I have called several times requesting a SOPA letter have been transferred back and forth between all XXXX companies above all claiming " the loan is no longer with us - is purged we can not see the information '' and " you need to contact this additional number to request that '' only to be told to go back to the other for the SOPA letter. With the exception of XXXX whom only says we know nothing other than the {$800.00} we just took over. Which is where the {$3.00} of interest came from. 
I was also told that once I made those payment to XXXX for XXXX months and it was picked up by a lender ( XXXX ) that all delinquencies would be removed from my credit which is the only reason I agreed to go thru with the program ... not that I had a choice they took {$5500.00} tax return last year which by my calculations should have more than paid it off. I paid that {$5500.00} in XX/XX/XXXX and since XX/XX/XXXX have paid {$56.00} a month and now continue to make payments and of the original XXXX loans totalling {$2500.00} now show XXXX loans on my credit report all XXXX show delinquencies and only say " paid as agreed '' I have asked what their rates are no one seems to know all these agencies ( XXXX, XXXX, XXXX - XXXX XXXX ) just keep sending me to each other getting lost in the shuffle of voice systems that never lend to my issue ( inactive/paid loans ) and reaching customer service can be time consuming and difficult - when I do they never help or have an answer. XX/XX/XXXX I tried to make whole on these small loans - was told this program was only thing I could do to " save '' my credit - that appears to have been completely false. 
I never received pre claims assistance - I was lied to about how to make whole on this account- I have paid well over XXXX times the debt amount and still paying. I have no idea what is interest or fees. I have incurred more debts trying to pay these debts that just keep burying me deeper - this whole process is predatory and theft. UPDATE XX/XX/XXXX I received the total amount of interest paid was {$36.00} that seems way out of sequence on the over {$7000.00} I paid this year alone on a total {$2500.00} debt.
My step-mother had XXXX. She had a savings account in her name only with my father as POD. There has been an ongoing feud between my step-mother 's daughters and my father. My step-mother 's oldest daughter had a POA ( Power of Attorney ) for her mother that was nullified on her death. She died around XXXX with an official time of death being XXXX on XXXX 2016 ( due to the time it took the coroner to arrive at her home ). While my father grieved for his loss, the oldest daughter withdrew all the money in this account and transferred it to her personal account. We notified the bank of her death on XXXX/XXXX/2016 and proceeded to close out the other bank accounts. However, the bank missed this account and kept it open. The final amount of money was transferred to the oldest daughter 's account on XXXX - 1 day after the bank was notified of her death. The {$4000.00} in the account disappeared and there was nothing left for my father upon his wife 's death. The bank was Bank of America and I believe they made a mistake by not putting a hold on all accounts in my step-mother 's name, which allowed her daughter 's to remove the money ( legally belonging to my father ) on the day of her death and the following days after the bank was notified of her death. Now Bank of America will not answer any of our questions related to this account because my father was not a signer on the account. My father has XXXX and can not speak for himself any longer. We have statements that show withdrawals from this account {$3500.00} on XXXX and {$470.00} on XXXX - all after my step-mother 's death. The balance on the day of her death was {$3900.00} and my father got none of this money. Is Bank of America responsible for restitution since they did n't put a hold on the account upon hearing of her death? Can we get our money from B of A or do we have to sue the step-daughters? The estate department at B of A will not respond to any questions - because my father was not on the account, but also because they know they messed up by not putting a hold on the account when they learned of the death on XXXX XXXX.
This is not a duplicate dispute : I filed a proper dispute with Equifax about XXXX ( XXXX ) reported judgments that were never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I originally disputed these XXXX ( XXXX ) judgments with Equifax on XXXX XXXX, 2015. My dispute results are dated XXXX/XXXX/15 where Equifax states that the results for the judgments have been updated to " Satisfied/Released '' for both. I filed a second dispute with Equifax on XXXX/XXXX/15 through the CFPB stating that I was not satisfied with Equifax 's initial investigation into my case and I would like a re-investigation to be done. My second dispute results done through the CFPB where dated XXXX/XXXX/15 and where stated as follows : XXXX judgment Status - " Pending ; Satisfied '' and the other judgment Status - " Satisfied ''. The results were changed from the original dispute. But not removed from my credit file. 
I have checked with my XXXX County Texas Clerk of Courts office, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me. In my dispute letter, I asked Equifax to provide a Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the Clerk of Court has in no way verified the " existence '' of a recorded document. Therefor, I have gone to the XXXX County Texas clerks office my self and have acquired the proper paperwork as proof stating, signed and stamped with signatures a record search was done by the clerks office for me on XXXX/XXXX/15 with " no judgments '' of any kind found associated in my name. The record search paperwork from the Clerk office is attached. 

It is clear that Equifax has in no way properly investigated this matter within three ( 3 ) short days that it took to read my dispute letter and update my credit file with incorrect information. 

Please note, The XXXX County Texas Clerk of Circuit Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc. ) for XXXX County Texas. Attached is a printout of the public records system that XXXX County Texas uses to record these documents. Note that this is NOT a list of case files, but actual public records with recorded instrument numbers. 

I have also included the website link to the XXXX County Texas website which shows that this website can be used to search XXXX County Texas public records ( collincountytx.gov ) and is a valid source to find these documents. This list shows all of the public records that exist in my name in XXXX County Texas, none of which are these XXXX ( XXXX ) judgments being reported in my credit file. I have also included the letter originally sent to Equifax with the original disputed judgments listed. Please have these XXXX ( XXXX ) judgments removed from my credit report.
Experian has placed 2 unknown entries on my credit from a collection agency company called XXXX back in XX/XX/2016. I have disputed the validity of the debts because I know nothing about them or whom they belong to.The accounts were removed and the following month ( XX/XX/2016 ) and Experian placed the accounts back on my credit. I was never notified by the original creditor nor have I ever been contacted by XXXX. I have also sent XXXX certified letters and I have been ignored. I am so depressed because the unknown accounts have damaged my credit score and ruined my chances of obtaining financing that I desperately need to help my family and I move forward.
I, am file a formal compliant again against Citi bank NA. That I though that had already being clean up and settle. some time on or about XX/XX/2013. we apply for a credit card an was deny. I came to the consumer financial protection bureau service for help. And to explain all the fact to then what I believer was race and discrimination. my compliant was surround there scores system. And being XXXX America with out any late payment or missed payment. Citi bank deny me a credit card but after the compliant was file they conduct there investigation that it was an error in the there system. just because of the discrimination claim they approve the credit line of XXXX with a cash avd. XXXX in about three month I request an increase and was prove that day with no credit check and got prove up to XXXX. again no missed negative. the only thank change was my age. income in my house went up. .Citi bank stated that they comply with ECO act equal credit opporturty act.. and they have decrease down to XXXX for no reason at all and pull a sores from XXXX who got big problem in it agency.
JP Morgan is listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.
XXXX has the following information on my credit report and it is not correct : I have never lived at : XXXX XXXX XXXX XXXX TX XXXX Shows a late payment account from : XXXX XXXX  This has never been late. 

Equitable Finance Company This has never been late. 

XXXX XXXX XXXX Charged off. This account was never late. {$4000.00} XXXX XXXX XXXX Charged off. This account was never late. {$5000.00} XXXX XXXX XXXX Late payment. This account was never late. {$21000.00} XXXX/XXXX  This account was never late. 

XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX/XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX/XXXX  XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX/XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.
I tried to get a credit card with huntington. They told me to get the app because I 'm under XXXX. I got the app and it took me back to the standard huntington automated line. I then asked for customer service and they told me I had the wrong number and transfered me. After being transfered they had me speak to some man in the XXXX that I could barely understand. He proceded to tell me to go online and apply for a credit card and hung up on me. I am furious this needs solved this is unfair to people on their own under the age of XXXX trying to get a head start on life. I have a decent job and all I want to do is build my credit so I 'm better off by the time I 'm in my XXXX 's please help!
They have levied my account multiple times. Collected more than the debt itself. They 're charging interest on interest. They never show me statement nor receipts on the initial account. I never get proper response. I need to SEE receipts and records.     If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, please provide an itemization showing the dates and amount of each added amount. In addition, if you can explain how are the interest, fees or other fees added.     I wanted to learn more about my case and they told me I can work on a payment plan to close debt. But they keep levying my accounts without understanding my situation.     Please identify last payment made to this account.   Use this method as my only form of contact regarding the debt.
I have communicated XXXX with a XXXX XXXX XXXX at NCB Management Services on several occasions. On more than XXXX occasion I clearly asked that all communication be made via post and to no longer call me. 

I made these requests on about XX/XX/XXXX, XX/XX/XXXX, and other dates. My do not call request was noted in the system. On XX/XX/XXXX, at XXXX pm the same person called me ( XXXX XXXX again, the very person who put the note in the system ) concerning the debt and I brought this to her attention. This was the second time they have called me after I have requested being put on the do not call list.
Discover Card - in its latest response - has provided this organization, and me, with information that it knows is incorrect. 

In its last response, it claims that it sent paperless responses and documents to an email address that corresponds to an email address that was included in its application. That email address - according to a XX/XX/2017 letter - was " XXXX. '' Upon sharing with them that I have never had an email address of that sort, they backed off. 

It wasn't until my most recent request for their method of delivering their statements are they now claiming that they email address they sent to the person that opened the account, is the same email address used on my correspondence to this agency, my email address : XXXX. 

So : 1. They can't provide anyone with a complete date when they got an application. 

2. There's a two-month gap between when they approved an application and when they mailed a card. 

3. They claim that they approved the account with supporting information, but refuse to provide the information they used when requested. 

4. They originally claimed - to me and to this agency - that they mailed physical statements ; now they claim that they emailed statements to the email address XXXX EVEN THOUGH they claimed to email statements to a XXXX address when asked about this is XX/XX/2017. 

REQUEST : I request that Discover provide this agency, and me, with proof of the email address they used to submit these statements. It shouldn't be hard to provide if you have an actual signed contract/application that you claim to have when you opened this account. 

Please keep in mind that I'm collecting all of your responses for the purposes of legal action.
Below is the letter that I sent the company describing the issue regarding payment fees : To Whom it May Concern : Paying your bills on time is a must in America. What is foul is that you charge individuals after the XXXX of each month. The usual terms in a mortgage is that you must until the XXXX of each month to pay. It is the XX/XX/XXXX and XXXX XXXX applies that it's ok to charge people via the phone or the website. The only ways to avoid these charges ( $ XXXX- {$12.00} prior to the XXXX of each month ) is to do bill pay thru my Bank and or mail a check. This is not XXXX 's, its XX/XX/2018. The methods that are convenient for consumers and your company has a toll. Thats between $ XXXX- {$140.00} annually just because my loan was sold another loan company. As a consumer I have no power over who sells my loan. 
When I first used the phone payment, it takes two business days. Thru my Bank it's going to take 5 business days. I contacted LoanCare via phone and talked with XXXX XXXX XXXX. I communicated with her regarding the issue and she even told me that her loan ( Different Loan Company ) allows payment without extra fees prior to the XXXX. XXXX XXXX is an asset to your company because she explained the issue and it basically over her pay grade. I'm contacting the Consumer Financial Protection Bureau to voice the issues. Check what XXXX says about your website. Stop stealing from hard working Americans that understand the value of paying their bills on time. 

Regards, XXXX XXXX
They contact me Everyday since the beginning of XX/XX/2018. I told Portfolio Recovery ( the collection company ) that this is not my debt to pay. They also try to get me to make a verbal agreement without my understanding of what they were doing. Please help this is affecting my credit. They say I owe them about {$490.00}
I have opened a checking account with Chase bank in XXXX, CA on XXXX/XXXX/16 ... I deposited about {$9000.00}. Then i received a letter from Chase, dated XXXX/XXXX/16, that Chase decided to close my account, suggesting me to wthdraw my money and stop any automatic recurring payments.. The letter didnt specify the reason, i called the phone number on the letter, spoke with the representative, as well as the superviser, however, they didnt give me no explanation regarding why my account was closed ... They said " we have the right to close accounts, with no reason '' .as a customer, i need to know why? Please help me to clarify.
Back in XX/XX/XXXX I did not receive a pay check on XX/XX/XXXX due to contractual agreement between XXXX XXXX XXXX and XXXX XXXX XXXX. Ive been employed with XXXX XXXX XXXX as a XXXX XXXX XXXX for the last eight years and never experienced this process before. This caused me to fall behind in my finances. I asked Caliber Home Loans to remove the two 30- days late mark from my Credit Report with all three agencies and they said no. 

In XX/XX/XXXX I became ill with a XXXX XXXX in my XXXX and XXXX that caused me to be out of work for over thirty days which two and half weeks I was laid up in bed. As a XXXX we only get a certain amount of Sick Days and with me being out for more than thirty days I did not have enough sick days to cover my absence causing me not to get paid for 11 days. I asked Caliber Home loans to remove the 30- days late mark from my Credit Report with all three agencies and they said no. 

As a retired XXXX Veteran and a XXXX XXXX I understand the importance of having outstanding credit and I have been practice just that. I have never been late or my mortgage or any other bills in over nine and half years. I have provided documentation for your review to consider waiving my late marks on my credit report. Lastly, I am in the process in putting my last child through college who was accepted to XXXX XXXX and the banks are giving me a hard time because of my credit score being effected by the three late marks. 



Respectfully, XXXX XXXX XXXX
I have a bankruptcy being reported   XXXX  2010  .  this information is not correct.   I confirmed that the bankruptcy court does not report to the credit bureau
Hello, This Complaint is in reference to NationStar Mortgage in Texas and Aurora Loans { bought by NationStar }. 
I am stuck in a Financial Situation where I can not move forward with obtaining any type of Mortgage because by Debt Ratio is 97 % against a Property I no longer own or Reside in, but my X-Wfie still resides in. Because of a Court Ordered Decision Involving a Divorce Settlement in XXXX, I was forced to sign a Pro-Quit Claim Deed assigning ownership to my X-Wife. I insisted that since we could not refinance the property { XXXX prior attempts }, that my name would not be removed from the Mortgage at that time Aurora Mortgage. My X-wife mentioned to the Judge that a Loan Modification could be performed so she could make affordable payments to stay in the Home. The only Issue I had with that is even if the mortgage was modified to a lower payment, my name would not be removed from the Mortgage. 
Well, the Divorce proceeded, and after months of paying my x-Wife additional court order spousal support to maintain payments on the home until the payments were modified ( 10 months later ... ). But when i went to check a few months after it was modified, my name was still on the Mortgage. I called Aurora, and they said the mortgage was bought by NationStar. Then NationStar sent me a letter after I inquired about it, that they could not remove my name from the Mortgage unless i refinanced the Loan. I explained to them I no longer have ownership of the Home, due to the quit-claim-deed. This time frame was XXXX. 
After a few years of hoping my x-Wife would be reasonable and refinance the home under her own name, there still exists the same result as back in XXXX. She is either unwilling or unable to refinance the home, her payments are affordable but my name is still on the Mortgage. 
I have struggled financially since XXXX, unable to buy a decent Car, and unable to get approved for any type of Mortgage because my debt ratio is 97 %. The difference now is that in XXXX I got married and have a larger family. 
I believe this is Legally and Morally unfair to me and my new Family as I can not provide for them any type of Home, due to a mortgage that is sitting on my Credit Reports at 97 %, and again a property I do not own according to the County Reporters office, but only on NationStar Mortgage 's books. I have made multiple attemps this year with NationStar Mortgage, with Phone Calls and Emails, but unable to speak to a True Manager there. 
This situation is Fincially hopeless, unless my name is Removed from NationStar 's mortgage. I can then move on with my Life Financially for my new Family.
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX {$2900.00} XXXX XXXX LAST REPORTED : XX/XX/XXXX {$2900.00} XXXX XXXX XXXX  {$270.00} XXXX XXXX XXXX LAST REPORTED : XX/XX/XXXX {$270.00} NEEDS ATTENTION XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX CLOSED : XX/XX/XXXX {$3600.00} CLOSED XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
On XX/XX/XXXX, my recently deceased father was gifted an individual IRA Retirement Certificate of {$2000.00} from XXXX Wisconsin. This bank was purchased XX/XX/XXXX by TCF Bank. For the last two weeks, I have been speaking with TCF Bank whom can not locate the account ; even though I have provided all the requested account numbers, social security information, and even pictures of the IRA Certificate ( attached ). TCF can not locate the account/nor can not tell me what happen to the funds. They have also not offered to honor the Certificate with interest. Myself and XXXX siblings are the beneficiaries of this IRA, which we can produce. TCF Bank has failed to provide any information about what happened with this account, as it was not cashed. They can not just keep our money, which was saved in an IRA for over 30 years, so to accumulate interest. I have contacted the FDIC and also the Unclaimed Property Division ; whom confirm that TCF did take over XX/XX/XXXX ; and unclaimed property indicates they do not have these funds - and usually do not get IRA 's. I have also reached all to the Controller of the Currency on this matter. TCF is acting in bad faith for no honoring the IRA that can be produced by my family, giving the excuse they lost or can not locate the account. The failure of them to locate the certificate/account is not my family 's fault. This has caused undue duress on our family, whom has already lost a father and utilized too much of our time trying to claim funds that TCF Bank continues to provide us.