WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX , I applied for a  Bar Loan t hrough  XXXX  know  Navient. I r eceived the loan in the amount of {$15000.00}. Later in  XXXX , I paid a lump sum in the amount of {$5000.00}. Afterwards, I made reduced payments under the reduced payment and interest plan for about 3 years. According to the billing statement received  XX/XX/XXXX , I owe {$14000.00}.  <P/> Also, at the latter part o f  XX/XX/XXXX , I s poke with representatives to re-certify for the reduced payment and interest plan. I was informed by multiple representatives that I did not qualify. However, in  XXXX  the automatic payments for the reduced payment and interest plan were still being deducted from my bank account in the amount of {$130.00}.
OnXX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not  sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXXI contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XX/XX/XXXX, XX/XX/XXXX and Experian concerning this debt and I havent received a response!! This has been going on for 5 months are so.
Consumer is a victim of credit " parking '' instigated by Elevate Credit ( Rise Credit ) and XXXX. Placed a bogus 30-day late on my XXXX credit report. Elevate Credit ( Rise Credit ) has a policy of parking false information on at least one of the consumer 's credit reports -- keeping a false balance or false information on a credit report. This is done to force consumers to pay off the erroneous balance in order to obtain other credit or to protect consumer 's credit score from the artificially lowered score which directly resulted from Elevate Credit 's ( Rise Credit ) intentional and malicious conduct. 
In parking or allowing the parking of an account, Elevate Credit ( Rise Credit ) is well aware that it is violating the obligations and duties under federal and state law to accurately report the account and the balance. 
Elevate Credit ( Rise Credit ) know that parking a balance will lead to false and defamatory information being published every time the consumer 's credit report is accessed. This is exactly the malicious and intentional design behind Elevate Credit 's ( Rise Credit ) actions with the goal to force consumer to pay on an account that is illegal. 
XXXX maliciously, willfully, intentionally, recklessly, and negligently failed to review Elevate Credit 's ( Rise Credit ) information provided in the disputes and to conduct a reasonable investigation on consumer 's disputes, which led to XXXX either failing to delete information found to be inaccurate, failing to replace the inaccurate information with accurate information, and reinserting the information without following the dictates of the FCRA.
TARGET/TB BANK REFUSES TO REAGED MY ACCOUNT AFTER ACCEPTING A PROPSAL ON XXXX XXXX, XXXX FROM MY DEBT MANAGEMENT PROGRAM XXXX XXXX XXXX XXXX. THEY CONTINUE TO REPORT LATE PAMENTS 30 DAYS FOR XXXX XXXX AND XXXX XXXX TO ALL THREE CREDIT REPORTING BUEARUS. I HAVE DISPUTED THIS WITH THE CREDIT REPORTING BUREAUS AND TARGET/TD BANK. WITH NO POSITIVE RESULTS. 
IN ADDITION, TARGET/TD BANK RECEIVED PAYMENTS ON XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX XXXX, XXXX AND STILL CONTINUES TO REPORT 30 DAYS LATE PAYMENTS FOR XXXX XXXX AND XXXX XXXX. I HAVE PROVIDED DOCMENTED PROOF OF PAYMENTS MADE FOR THOSE MONTH BY XXXX XXXX XXXX XXXX AND RECENT LETTERS FROM TARGET STATING THAT THE INFORMATION REPORTED TO THE CREDIT REPORTING AGNECIES IS CORRECT. I CAN UNDERSTAND IF NO PAYMENTS WERE MADE, THEN I WOULD ACCEPT BEING REPORTED 30 DAYS LATE FOR THOSE MONTHS REPORTED, BUT PAYMENTS WERE RECEIVED BY TARGET, AND TARGET STILL REPORTED 30 DAYS LATE FOR XXXX XXXX AND XXXX XXXX, THIS IS UNFAIR. I HAVE ALSO ATTACHED A COPY OF THE AGREEMENXXXX XXXX XXXX XXXX XXXX MADE WITH TARGET/TD BANK WHEN THEY ACCEPTED THE PROPSAL ON XXXX XXXX, XXXX THAT STATES AT THE BOTTOM THAT THE ACCOUNT WOULD BE REAGED AFTEER THREE ( 3 ) CONSECUTIVE PAYMENTS. I HAVE ATTACHED 9 PAGES OF DOCUMENTATION TO SUPPORT MY CLAIM.
I contact my loan company Friendly Finance on XX/XX/2018 via email at XXXX inform them that I will be mailing XXXX payment. I was sent a very detail message on XX/XX/XXXX that was left by Mrs. XXXX on my father voicemail in regards to my delinquent account. She left a very threatening message that disclosure details of my delinquency which is consider a 3rd party violation. This action was taken although I made an attempt prior to contact them via email. No effort was made by Friendly Finance to contact me via the mode of communication that I initiate. Instead they made an attempt to not only violate my right to privacy but embrassed me by disclosing my finance information via voicemail to a 3rd party.
We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were XXXX companies that hit my credit XXXX 10 days apart. Ally and XXXX XXXX XXXX hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the XXXX hit removed on each XXXX?
Credit card stolen and used unauthorized, on XX/XX/XXXX my card was used without my consent to make purchases over {$3000.00}, now I am being held responsible even though I followed proper steps to file a police report and provided medical documentation that I was in the hospital when these charges took place, I was at the hospital due to a XXXX which was provided to Nordstrom card services, a lost report has been filed and theft report with the city of XXXX as well, Nordstrom still wants me to pay for these charges and are increasing interest rates very rapidly to a point to were I can not even pay. They have closed my account and representative with the name of XXXX has told me I am an irresponsible person this is why they closed my account.
I have called Freedom Mortgage several times on XX/XX/XXXX and XX/XX/2019 as well as today. I have asked them several times about my yearly escrow analysis which is done the first week of XX/XX/XXXX every year. The representative today said she does not see where they have started on my escrow analysis and that my mortgage payment will still be the same next month. I told her " that would not be fare because I have already did my own calculation of my yearly escrow analysis and my payment will go down as well as they would owe me a escrow refund check. She stated that, since she does not see where they have started on it all she can do is put in a request.
On XX/XX/2018, I made a {$610.00} full settlement payment with XXXX XXXX XXXX XXXX to submit payment to XXXX XXXX who purchased a charge off account from XXXX XXXX - XXXX MasterCard. 

I was told that it would take approximately 30 days to reflect the payment of this charge off as paid on my account. I have made numerous attempts with Experian and the XXXX XXXX Mastercard to reflect the status of this account as " PAID ''. As of XX/XX/18 they refuse to correct the status to paid.
XXXX  XXXX XXXX has a a hard credit inquiry in my file for XX/XX/2017. I did not make this inquiry for credit. I adk that the matter is investigated and item removed from my credit file.
My business checking account with First Niagara was actual just acquired by KeyBank. I made bill payments on XX/XX/XXXX and XX/XX/XXXX with First Niagara. Seven of my customers ( long standing ) stated that they did not receive their checks. As of XX/XX/XXXX KeyBank took over First Niagara operations, it has been chaos ever since! I have spent XX/XX/XXXX month on the phone with KeyBank representatives ( multiple, who all give me a different story ), hours on the phone and in the branch bank trying to get some resolution! My customers and a automated bill pay alert from First Niagara are stating that the customers never cashed their checks, while KeyBank is stating they did! Due to a misunderstanding of how bill pay worked at my particular bank! NO ONE at KeyBank understands that when I submit a payment on bill it is automatically taken out of my account! This was confirmed by my branch office. The customer service representatives at KeyBank not only argue with me about it, but also when I have my branch call. NO ONE can even given me evidence that they were cashed ( a standard banking practice )! In the mean time, I have double paid 7 of my customers due to bank not knowing what they are doing! This should have been a easy issue! It has turned into a nightmare for me and my business partner!
On XXXX XXXX, XXXX, my husband and I went to Conn 's Home Furnishings on XXXX XXXX in XXXX, NC to look at furniture. We decided to purchase a bed set while we were there. We were told the price and told we could finance it for 0 % interest. I agreed to the purchase and gave my personal information to complete the purchase. After the company ran my credit, I was told that I had been misinformed about the 0 % interest offer. The cost of the bed was not above their threshold to offer 0 % interest. We were heavily pressured to spend more to get above that threshold. After we informed the salesman that we have no intent of spending more, he announced that they would not sell us that particular bed because it was a last model and they needed to check with the manufacturer to make sure they could sell it. That Monday, XXXX XXXX, XXXX, I received a call saying that they could sell it but would need to get a price. I was told that the salesman, XXXX, would call me back on Wednesday, XXXX XXXX, XXXX with the price. My husband and I have tried calling several times and have received several messages ranging from messages saying there were extra models of that bed in a warehouse to calls saying we would be called back in a few minutes with the price. We have been repeatedly asking for the price and at no point have we been told what we will have to pay for this bed. Conn 's ran my credit under false pretenses. They had no intent to sell us the bed they agreed to sell us. They are refusing to let us know what they are going to charge us for this bed, but they have every intent to report a debt to " all XXXX credit bureaus '' according to the salesman. No information has been provided to me concerning the credit that was extended and the terms. What we have been left with is a credit report pulled for a transaction that Conn 's had no intention of upholding in an effort to sell us something else at a higher price. I want the pull removed from my credit reports and for these bait and switch practices to stop immediately.
XXXX XXXX I have asked for your company to validated and verify the account with the following information 1. The contract with my signature that gives me the companies the right to report to my credit file. Your company is now in Breach of the FCRA for failing to provided information from a valid account. 
2. A full payment ledger showing a payment ledger. 
3. Proof the company has the right to report anyway their contract with you I have a legal right to see it and also the dispute history from this company with you. 
4. I have the right to see the proof they provided to you. If you do n't provide the proof that they can report to my credit I will sue you for it. 



Your company needs to provide me with what makes you think that this company able to report to my credit you have not because you can not or you do n't know.
My Mortgage Contract states that I have the right to request Primary Mortgage Insurance ( PMI ) be eliminated once the principal balance is XXXX scheduled to reach 80 % of the original value of the property ( the lesser of the contract sales price or the appraised value of the property ). Ocwen Loan Servicing , LLC who is currently servicing my mortgage, has also provided written documentation ( see attached copy ) that once my principal balance reached 80 % l can eliminate the PMI. As of XXXX XXXX, 2015, my mortgage principal balance will hit the trigger of being below 80 % ( 79.9 % ) as the attached supporting documents detail. Ocwen Loan Servicing , LLC has XXXX denied the elimination of PMI and is now stating an arbitrary percentage of 75 % loan to value must now be met. This is in sharp contrast to the written Mortgage Contract and contrary to Ocwen 's own stated provisions. 
Property Value : Contract Purchase Price - {$430000.00} Appraisal from Licensed NJ Appraiser dated XXXX XXXX/XXXX/2015 - {$430000.00} 80 % of lesser of Purchase or Appraisal ( {$430000.00} x 80 % ) - {$340000.00} Principal Balance of Mortgage after XXXX XXXX, 2015 Mortgage Payment - {$340000.00} Loan to Value percentage after XXXX XXXX, 2015 - 79.91 % Since my principal mortgage balance is below 80 % of the property value according to Ocwen 's own requirements, there should be no question that PMI should be eliminated after XXXX XXXX, 2015. 
I have documented this and sent XXXX letters and E-mails to Ocwen and all have been outright denied, even after I complied fully with all requests from Ocwen, even obtaining a current Appraisal from a Licensed and certified appraiser at my own cost. Your assistance in this matter is greatly appreciated as Ocwen does not provide telephone numbers to reach anyone at their Headquarters facility to discuss directly any issues/concerns. 
Sincerely,
I was give a XXXX month reduced payment plan by Navient representative of direct payment from my checking account. XXXX XXXX payments where deducted from my account when I called Navient rep to inquire why XXXX payment was not deducted I was told the original rep had made a mistake and that I needed to start making full payments I asked why I was not notified and only to be told they where sorry. I feel that because they agreed to reduced payments and deducted XXXX months of payments that not honoring the remaining XXXX months is a breach of contract and would like to know if legal action can be a course of action?
On  XXXX / XXXX / 17  I got a call from  XXXX  and  XXXX  left a voicemail stating to call  XXXX  about a debt owe. I was asked to call  XXXX  ext  XXXX . After advising  XXXX  I currently have no money to give but do feel I owe the debt, not sure of the amount  XXXX  proceed to say " I have people who or on fixed incomes making payments, its either you pay it or you do n't and those that do n't its an excuse, so I 'll mark your reply as an excuse ''. I advised  XXXX  if I do n't have it would does he want me to do. He began to over talk me and ended the call by saying " you know what you need to do, you need to man up, that 's right man up ''. After doing more research on the phone numbers and the company I ca n't seem to find any valid information, so before I try to pay anything I need valid proof, which I asked for several months ago when I advised them I was unemployed, but they continue to have an excuse as to why they ca n't send me anything in writing.
Have not responded to two debt validation letters I sent via certified mail in regards to providing proof of my original wet ink signature contract and not a photocopy.
Dear Consumer Financial Protection Bureau : You will understand what actually transpired between me and Target after reading the XXXX XXXX, 2015 letter attached for you to read here. I do not have any card belonging to Target as a credit card. I did not apply for any credit card from Target at any time and I will not allow this scam against me to work for Target and its employees. They have already proceeded to adversely report me to the XXXX credit bureaus. You will also see attached letter dated XXXX XXXX, 2015 I wrote them to remove their adverse report against me in XXXX days or I might have no choice than to file a lawsuit against them. I have decided to lodge my complaint through you. If I could not resolve this matter via your humble office, Target will regret ever messing with me.
I went to XXXX and I have a small federal loan that I can manage each month ( {$65.00} ) I also was duped into private loans and when I called XXXX XXXX they said " we have options do not stress go to school. '' I moved out of state had a hard time with jobs and filed chapter XXXX. My attorney was an idiot and kept dragging his feet and because of this I defaulted and he would n't file other paperwork for me. Someone please tell me how I will pay off XXXX on XXXX a year. This is n't a joke nor did this need to happen. Some people really need help and need this removed in bankruptcy.
I did refinance with Bank of America back in early 2015. The refinance has approved and we have paid all the fees, notary fees and also singed all the closing documents with title company. We were told by the title company that the loan has funded after we carrier back the closing documents and we spend total around ( {$4500.00} on all the total costs, notaries, title insurance, wiring and others etc have done XXXX due to the mistakes they have made ). 

However, the refinanced loan never got funded and we questions about it but the bank of American told us that his boss " XXXX XXXX '' will contact us and have the leave the phone number -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX, XXXX email below : XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; Wed, XXXX XXXX, 2015 at XXXX To : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; My manager is XXXX XXXX, you can contact her at XXXX ext XXXX. Thanks -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have write a numerous emails and also phone calls ( phone call always in voice mail ). I have left a message but so far no response from them and my loan never get funded without giving reasons Thanks XXXX XXXX
I was physically hit by a car in XX/XX/2013 hit an run accident. Currently in a lawsuit for this case for medical bills, injury etc. Tried contacting medical professionals about the solution but no response.
I received notice of an alleged debt owed to Fair Credit Outsourcing and sent a XX/XX/XXXX Debt Verification Affidavit which was received XX/XX/XXXX XXXX ; XXXX by representative ( XXXX ) or agent ( XXXX ) of Fair Credit Outsourcing. FCO has failed to Validate the alleged debt and has provided information to the Consumer Reporting Agencies that is inaccurate, invalidated, unverified and is in direct violation of the FCRA XX/XX/XXXXs-2, 15 USC XX/XX/XXXXe ( 8 ), 15 USC XX/XX/XXXXe ( 10 ), Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XX/XX/XXXX ( Public Law 91-508 XXXX, 15 U.S.C. XX/XX/XXXX XXXX Public Law 109-351, 801-02, 120 Stat XX/XX/XXXX ), and numerous other violations of my rights under countless Consumer Protection Laws. Additionally, " FCO '' has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent ( XXXX ) and or Representative ( XXXX ) are frivolous. I have not applied for, neither received any services or credit with " FCO ''. I also have no account and/or contract with " FCO '', nor do I wish to contract with them. FCO has failed to respond to the XX/XX/XXXX Debt Verification Affidavit/ Proof of Claim with authenticating proof of a valid claim/verification. " FCO has purchased evidence of a debt for value and are proceeding with collection activity in the name of the original contracting Secured XXXX. XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX. FCO has failed to provide full disclosure as a lawful due process and has agreed to the terms and conditions of the XX/XX/XXXX Debt Verification Affidavit by Acquiescence. FCO by failing to respond by tacit procuration agreed to all terms within the contract/agreement. Respondent XXXX XXXX ) tacitly agrees that the Unsecured Debt Collector herein as the Respondent XXXX XXXX ) waives all claims against me and with respect to any and all collection attempts involving the above-referenced alleged account, and that said collection attempt was fraudulent from the beginning.
The amount owed to the account was {$65.00}. This account was paid in full via online payment processing on  XXXX / XXXX /  XXXX  . I check my credit through a monitoring service and I see that this company has decided to split my payment and apply a portion of it to another account which leaves the account I was paying in full open.
I have disputed over and over the validity of XXXX XXXX XXXX ' reporting. They were never able to validate a debt. They reported an incorrect balance for years. I disputed and Experian just updated the debt as valid. It was not. It has been incorrectly reported for at least 3 years. Their dispute process did not follow through with appropriately verifying a debt over and over again. They posted the debt as valid and it was not.
In XXXX Nationstar became the 'servicer ' on our loan. They have tried everything to put us in default including manipulation of their transaction history report. They regularly posted payments late even though we have the tracking numbers for their receipt. They tried to establish an illegal escrow, with no proof except their transaction history. In XXXX, they started returning our periodic payments and the payments they accepted were applied to their bogus escrow account rather than interest and principle. They accelerated the loan in XXXX and ultimately foreclosed in XXXX after returning 18 months of payments. In court, a witness for Nationstar testified, under oath, that no escrow existed. A week after that testimony, Nationstar forced -placed an escrow on our homeowners policy, which we have been paying over 11 years as per an escrow waiver. They paid over our paid up policy and instructed the insurance company to return our payments. We received a refund check and have now returned this check to the insurance company. This is the 2nd time Nationstar has tried to place an escrow on our insurance. This is nothing more than under-handed tactics so they can show the court, they actually have an escrow. The only problem is that it 's too late and they have no grounds for doing so. Also, Nationstar has named itself as mortgagee under the insurance policy, while they signed an affidavit for the court, stating that they are only a servicer. They will not respond to us as to their 'mortgagee ' status. There are missing entries on their transaction histories and no 2 are alike. The history shows numerous property inspections, sometimes 3 in one month. They refuse to answer our QWR 's, and any and all questions about their status, the status of a lender, the validity of an assignment and many questionable entries on their history. What I find particularly interesting is that the transaction history shows our payments coming in, but do not show any monies going out to lenders, etc. This has been nothing more than a manufactured default and the illegal foreclosure and is fraud upon the court. This is a company that should be out of business for their illegal procedures. Anyone who reads this, should question every move they make and do n't believe a word they say. They have their own agenda and it is NOT to help the homeowner.
XXXX XXXX called my phone told me that I was approved for and loan gave him my account information and he attempted to deposit a fake check into my account