WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making payments on private student loans since XX/XX/XXXX on private student loans. The amount of payment has varied over the years. I was setup for auto payments that were taken right out of my bank account and each month for years I would get phone calls saying my loans were late. I would explain the same situation month after month ... .they are on auto pay..they are not late. Navient was not applying the payments correctly so late fees and interest were being applied. This went on for years. 

My mother is a co-signer on my privates. I applied this year ( XX/XX/XXXX ) to have her released and was denied. She is XXXX and on social security. Navient calls her because of my loans. This stresses her and I've asked them to stop. But of course she is a co-signer which is why I filled out paperwork to have her released. It was denied. 

My income has changed in XX/XX/XXXX and now I can no longer make the huge amount of monthly payments. I am starting to fall behind and the phone calls are starting. I have called ( XXXX, XXXX & XXXX ) several times to get the payments lowered. I'm told they can go any lower than the {$400.00}. I can not afford this amount. Navient said they is nothing I can do to lower my monthly payment. I have read about the lawsuits with Navient. I have had the same experiences with Navient dealing with my private student loans. I filed bankruptcy in XXXX and was told I could not discharge my private student loans. I am now reading that sometimes they can be discharged if I go before a judge. I was not told this and was not aware this was an option. 
I just need help to reduce my monthly payment.
On XX/XX/XXXX and XX/XX/XXXX my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of BusinessXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Each of the reasons listed above have occurred on multiple occasions. Vial, nasty curse words have been directed to me. I have been cursed out at work, threatened and harassed on multiple occasions. Additionally, I was not served by a " process server '' notifying me of a court date and a judgement was entered against me. Documentation presented to the court indicates I " was '' served but during the time indicated on the service notification I was out of town.
I have tried with Equifax four times to clear up a discrepancy on my credit report. I had a home loan XXXX bank that was past due in XX/XX/XXXX, this loan was service transferred to XXXX in XX/XX/XXXX. The problem is that when creditors pull my credit report the report is showing up XXXX past due as of XX/XX/XXXX. When I first tried to refinance my house this loan was showing XXXX days past due as of XX/XX/XXXX, I filled a dispute and it changed to XX/XX/XXXX, I filled another dispute and it changed to XX/XX/XXXX. I have spoken with Equifax many times on the phone about this and still nothing. The bank I'm trying to refinance with has also tried to get this corrected. 

Please let me know how I can fix this, every time I try to correct this with Equifax my credit rating decreases and the situation gets worse.
I have submitted multiple disputes. I try to check by phone because online is blocked and they always say no dispute is open. Twenty theft reports sent multiple ocasscions and they seem not to even care about my credit I didn't use please I need help other bearues are way more helpful
Without notice bank accts I had my name on but not set up by me were emptied by " Legal Notice '' ( # XXXX ) - {$5400.00} from one and {$210.00} from the other on XX/XX/18 ( yesterday ). The Bank tells me XXXX XXXX XXXX XXXX, XXXX Ga. got a judge to grant this apparent order to seize this money. I never heard of them .I do remember a co that harassed me yrs ago name XXXX XXXX XXXX XXXX XXXX GA ( the phone # is the same XXXX ) Who rep themselves as atty but are debt collectors ... ... 

https : //www.consumerfinance.govXXXX???? they are notorious for these abuses.You all know already. 


the debt is 10 yrs old .The original lenders closed out the default cards. There is supposed to be a statute of limitations I understand. how are judges signing off on this activity for a co that maneuvers like this ( Changing Names )? Dont I have rights too?

I want to add the bank to complaint as well .Its not rt to authorize a liquidation of accts with other folks ' name on them to collect a over 10 yr old closed debt ... without any notification! Its criminal.
XX/XX/XXXX, I purchased a XXXX Dodge Intrepid. I fell behind on my payments in XX/XX/XXXX. I was notified in writing in a letter dated XX/XX/XXXX from the law offices of XXXX XXXX XXXX, XXXX that Palisades Collection LLC an Assignee of XXXX XXXX was collecting from me a loan balance of {$20000.00}. Palisades filed a judgment against me on XX/XX/XXXX the judgement amount was for {$20000.00}. I paid my debt off in full to XXXX XXXX in the amount of {$20000.00} with a cashier 's check. I received a paid in full letter from XXXX XXXX dated XXXX. The paid in full letter from XXXX is dated XX/XX/XXXX and the judgment was filed on XX/XX/XXXX. This judgment should have never been filed. On XX/XX/XXXX I received a letter from XXXX XXXX and XXXX, XXXX collecting for Palisades Collections. They were trying to collect {$20000.00} from me. On XX/XX/XXXX I spoke with XXXX XXXX with Palisades Collections and he said this debt had to be paid. Now I can not find no trace of XXXX XXXX XXXX. When I called the telephone number XXXX the company this number belongs to is XXXX XXXX, and Palisades is a subsidiary of this company. I just want to get a release of lien letter from whomever has a lien on the vehicle I owned. my vehicle vin number is XXXX. The judgment is no longer on my XXXX credit bureau reports. Please help me to get a release of lien for this vehicle.
I monitor my credit report and scores through XXXX. In XXXX of this year Equifax reported a " new '' derogatory mark on my report and dropped my score substantially due to this information. The next month XXXX followed suit. The problem is, that the " new '' information, was actually old information. It was a bankruptcy that had been discharged and reported back in XXXX. But, according to the information supplied to XXXX by XXXX and EQ it was " new '', so I had a subsequent score drop of around XXXX pts on each. I contacted XXXX who agreed to do an investigation, and am waiting on the outcome. However, EQ refused to do anything, even after the CS agent stated it was reported twice. When I was transferred to a supervisor, she denied that statement, and said credit scoring was automatically done, by machine, and there is no record available for her to go back and look to see what was reported, but yet could tell me when it was first reported in XXXX. She also tried to claim it was the other accounts in my report, that have also been there for a while, and not really much change in any of them. She then went on to try and discredit XXXX, and deny that XXXX gets any accurate information from them, and then tried to sell me my credit score. She refused to do any investigation, nor open a dispute claim. Here is a copy of what is displayed on the XXXX site as of XXXX. As you can see they clearly state where the information comes from .... 
XXXX ( R ) XXXX ( R ) Where You Stand You have XXXX derogatory mark. Last update, you had XXXX. 
XXXX XXXX You XXXX XXXX How It 's Calculated Open accounts in collections XXXX + Negative public records XXXX = Total derogatory marks XXXX PUBLIC RECORDS XXXX XXXX XXXX
I RECEIVED MAIL FROM GLENN ASSOCIATES MID-ATLANTIC IN XXXX, MD. WHEN THE REP INFOMRED ME I WOULD BE RECORDED I AGREED. HE/SHE ( NEVER IDENTIFED THEMSELVES ) ASKED FOR MY SOCIAL. I REFUSED BECAUSE I NEVER GAVE MY SOCIAL TO THE STORAGE COMPANY. THEY ASKED FOR MY NAME AND ADDRESS. UPON PROVIDING THAT THEY TOLD ME WHAT THE DEPT WAS FOR AND ASKED HOW I WANTED TO RESOLVE. I STATED I DISPUTED THE DEBT AND DIDN'T OWE THE DEBT. THEY ASKED IF I PERSONALLY DID A WALK THRU WHEN VACATING AND SIGN A RELEASE. WHEN I ATTEMPTED TO LET THEM KNOW I HAD 2 OTHER STORAGE UNITS THAT I HAD VACATED AND PAID IN FULL AND I WAS FINE. THE REP BECAME VERY IRATE AND SAID " WELL THIS IS THEIR POLICY NOW AND YOU OWE THIS DEBT AND YOU CAN'T DISPUTE THE DEBT, THEN BEGAN TO YELL AT ME AS I WAS TRYING TO EXPLAIN THAT I STILL HAVE A CURRENT UNIT WITH THEM NOW AND I WOULD GET THEM TO RESOLVE THIS.THE REP YELLED AT ME AND SAID TOO BAD THIS WOULD BE ON MY CREDIT FOR 7 YEARS AND HUNG UP. I CALLED BACK TWICE AND THEY HUNG UP ON ME EACH TIME. I HAVE A RECORD OF THE CALLS AND THEY SATATED THEY WERE RECORDING ME. NOT THAT I COULD BE RECORDED, THEY STATED THAT I WAS BEING RECORDED. IT IS MY RIGHT TO DISPUTE A DEBT IF THEY WANT IT RESOLVED, THEN THEY SHOULD HAVE LISTENED TO ME. I AM VERY EMOTIONAL FROM THIS CALL. I FEEL DAMAGED. I AM NOT A CHILD AND DO NOT EXPECT TO BE SPOKEN TO AS SUCH WHEN I AM CONDUCTING BUSINESS CALLS. SOMETHING NEEDS TO BE DONE TO THESE CREDITORS.
I received a prescreened offer from SoFi to refinance my parent plus loans. I applied and was declined. The adverse action principal reasons provided stated : Delinquent past or present credit obligations with others. It would appear as though SoFi 's prescreen criteria is " tighter '' than their post-screen criteria. Meaning all of the previous delinquencies noted on my credit bureau are older than 2 years, so they were clearly they tradelines in question were there at the time of prescreening. You should not be declining based on information that is readily available at the time of prescreening, or do n't send out a prescreened offer. 

Additionally today I received another prescreened offer from SoFi for a personal loan up to {$93000.00}. 

I do not believe SoFi understands the purpose of prescreening individuals and direct marketing to them. I could understand if something changed with regard to my bureau report or my income ( ability to pay ) but that 's not the adverse action stated.
XX/XX/18 I contacted a agent named XXXX from XXXX XXXX XXXX to request a Validation of debt he at first tried to get around addressing my concern. Finally I advised I'm calling to validate the debt rep placed me on a hold for a minute or so to complete the request and then terminated the call
To Whom it May Concern : NCC is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from NCC for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to NCC from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX  ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX/ XXXX or NCC. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of NCCs inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.
Bank of America charged interest even though I paid the non promotional balance in full. When I took the promotional transfer they explained that the minimum payment would be allocated to the lowest finance charged balance, in this case the promotional transfer. Therefore I would have to pay the minimum balance plus the entire activity balance in order to avoid paying interest. They claimed to disclose that if I used the card for purchases that even if I paid the minimum plus the monthly activity in full that I would still be subject to {$1.00} minimum finance charge. I do not believe that this notification was made to me. How could I understand the intricacies of how the payments are allocated and not understand that if I chose to use the card while I have a promotional balance that I would pay a fee regardless of paying of the monthly purchase balance in full. I can no longer use this card for purchases without incurring a minimum finance charge of {$1.00} as long as a have a promotional balance.
Hello I 'm a retired senior, who sort to make my mortgage payments- meet my fix budget better ; by refinancing my existing interest rate to a lower rate. Upon this refinance I was picked up by Wells Fargo. After receiving this lower rate and lower monthly payments which better suited my fixed income, this excitement was short lived when Wells Fargo informed me that my mortgage payments were to rise by {$50.00} dollars due to increase taxes and insurance. I understood this dilemma and asked how my payments could remain the same as when they were refinanced. I was then told, that I could request an escrow buy down. This would have them calculate this yearly projected increase, for taxes and insurance- that I would pay separate from my current mortgage payments. Thus eliminating the escrow shortage and would my budget payments the same each year. This set up worked for me until later, Wells Fargo changed- when they did the escrow analysis for my mortgage payments and begone to recalculate them less than a year afar. So instead of calculating for this escrow shortage each XX/XX/XXXX, they began to do it in XX/XX/XXXX as well of the same year. Even though I had just given them, in XXXX XXXX a good amount of payment for this calculation and set up. Now they have stated that in Maryland that these calculations are to be done in XXXX XXXX, as well increasing my mortgage payment for XXXX XXXX more than {$200.00} a month without any prior notice that this would occur. I have repeatedly called and left messages and was told prior, by their Customer Care Recovery person that my next calculation would be in XXXX XXXX and due in XX/XX/XXXX. Yet, their left hand reneges on the right hand and changes options without notice to the mortgagee, claiming no knowledge of changed procedures and increases monthly payments to benefit Wells Fargo without resolution to their clients. I really do not appreciate Wells Fargo playing these type of games with my finances. I like the escrow buy down program that they offer because it has worked for me and my budget but not the changing of yearly scheduling of it without prior notice or justification because when they have changed this, they have not even paid my yearly taxes for XX/XX/XXXX with escrow still available that I can see from my online account but they are saying a shortage exist for this {$200.00} increase without justification and what I was informed prior that these calculations would be done a year apart, not a few months apart to increase my mortgage. This is not a game to be played. Please contact and correct this situation on our behalf and for others who have run into similar situations with this particular bank were they benifit and we do n't. This bank is inconsistent with their procedures, and how they handle payments made to them. They have even refunded funds back to me for this escrow shortage in the past, claiming not knowing what they were for and rerouted funds incorrectly having me to call reps constantly for corrections. And now, I 'm requesting YOU to please FIX this situation. HELP!!!!!!!! 
creating shortages when if all were on the same page these errors due XX/XX/XXXX
SOURCE RECEIVABLES M ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SOURCE RECEIVABLES M or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOURCE RECEIVABLES M or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
XXXX this abusive caller in XXXX to no avail. They keep calling even though I have spoken to them and told them that we owe no one and the previous owner of this number is unknown to me or my family.
To whom it may concern, On XXXX XXXX, 2015, I applied for a loan to refinance my home with XXXX and was denied because of my income. I later applied through QuickenLoans to get into the HARP program and was once again denied for the same income issue. A week later I reapplied, and on XXXX XXXX, I received notification from QuickenLoans stating their reason for denying me as being a credit issue. Attached with the denial letter was a copy of my credit score of XXXX, and QuickenLoans required credit ratings of XXXX. I would like someone to look into this matter because when I applied the first time my credit was not an issue. Also during all XXXX times I applied I was told everything was up to date and would be approved. I am now questioning their reason for denying me because the denial letter rates my credit score as within the requirements for approval.
This XXXX debt is not legitimate. It is for a charge that was taken care of by my old insurance. I have repeatedly asked for documentation but the hospital closed a couple of years ago and they will not give me any documentation. They continuously call my sister harassing her about this supposed debt that Im not responsible for!
I am stationed overseas and I 'm trying to obtain my annual credit report. The site is saying I ca n't get it while stationed overseas. This is when & why I need it the most. How can one serve their country but be denied their inalienable rights? Then one company sends me a letter telling me to put PII in it in order to obtain my report. If that 's not the dumbest thing ever, I do n't know what is. Put my name, social, copy of personal documents in the mail. Really?
This complaint is similar to the one I made on XXXX XXXX, XXXX against XXXX. Since then I was advised that I should also file against XXXX and Equifax , I filed against XXXX earlier today. This Complaint is against Exquifax and is essentially the same as filed against XXXX and XXXX. 

Complaint against Equifax : My credit reports list XXXX Mortgage with " {$20000.00} past due as of XXXX XXXX XXXX ". This is termed a " serious delinquency '' and implies the loan is open and with payments overdue. It is seriously hurting my credit rating and ability to refinance. ln fact, I have no obligation to XXXX since XXXX. In XXXX, XXXX Bank accepted documentation of that and granted me a jumbo ARM loan. Now l would like to refinance with a Fixed Rate loan but the credit reports by XXXX, Equifax , and XXXX are blocking this effort. The fact are as follows : In XXXX, I co-signed the XXXX loan for my sister, XXXX XXXX in XXXX XXXX XXXX, Minnesota. ln the recession, her pay was reduced. XXXX staff advised that we could restructure the loan slightly so she could make payments. I helped her with several payments as we waited for XXXX to work with us. Rather suddenly, XXXX announced that it was foreclosing. Our case was not isolated. XXXX was found to have wrongly written and made loans, wrongly managed them, and wrongly reported on them by several States Attorney Generals, and in a US District Court. My sister received compensation from XXXX following the state and federal litigation. The total compensation was the equivalent of a few loan payments and trivial compared to losing home by my sister and harm to credit for both of us. She seeks no further compensation and her credit has been largely restored in the past two years. 
However, my credit rating is seriously harmed and I can not qualify for the Fixed Rate Loan I would like to replace my ARM. My preferred potential lender states that even though all of my bills are regularly paid including past and present mortgages, they rely on the credit report ratings which will continue to be hurt by this erroneous report, apparently by XXXX Bank as another example of its sloppy reporting finding of the Federal Court. I need my credit reports clear of this approximately 6 year old charge of a serious delinquency on an outstanding loan. Please help. Thank you
I recently submitted a complaint about how XXXX stated they verified a Bankruptcy on my credit report. I am aware that under the Fair Credit Reporting Act of 1971, are to only report one hundred percent accurate information. I submitted my complaint through the CFPB and their response was not made through the CFPB which is also a violation of my right to due process. XXXX did this to hide the fact that they know that they are reporting inaccurate information. The response has been the same, verified through a third party LexisNexis. The information purchased by XXXX from LexisNexis has redactions that are required under Federal Privacy laws. LexisNexis is not provided a full and complete social security number nor are they provided a full and complete date of birth when they purchase public record information from any Court. LexisNexis then sells that incomplete information to the major credit bureaus as verified and validated information. In doing so, LexisNexis and XXXX have violated the Fair Credit Reporting Act of 1971 by reporting and providing inaccurate and unverified information about consumers. I demand that LexisNexis and XXXX  be investigated for fraudulent business practices as well as violation of the Fair Credit Reporting Act.