WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017, I wrote a letter to XXXX XXXX requesting Hardship Assistance, as their website indicates their concern and wanting to help their customers who were experiencing financial problems and/or foreclosure prevention. I received documents on XXXX XXXX, which was completed and mailed along with the required supporting documents to XXXX XXXX Hardship Assistance Dept. on XXXX XXXX, 2017. Part of the supporting documents submitted was a letter of explanation regarding my situation, and expressing my desire to keep the property, which is my PRIMARY RESIDENCE, and where I have been operating my home-based business-even since the initial loan was granted by XXXX XXXX. This plus the fact that the total mortgage payment on this residence is set to increase from {$4500.00} to {$6000.00}, beginning XXXX 2017 ; and finally, I pointed out that with the breakdown of marriage, I was now a self-supporting WOMAN, solely responsible for making mortgage payment with the submission of Quit Claim deed & Settlement Agreement. Letter dated XXXX XXXX, 2017 was received from XXXX XXXX stating that the only help they can provide was a Short Sale or Deed in Lieu of Foreclosure - what kind of help is that? XXXX XXXX seems to want to get the property and my livelihood as well.
I have disputed items on my report several times, Equifax refuse to delete items that have already been disputed on  XXXX . I asked them repeatly to provide me with proof of their verification which they refuse to send me. I also had   XXXX   public Records listed on my report. law as of   XXXX   XXXX   state if cant verify it has to be removed. well all   XXXX    credit agencies removed one of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also   XXXX   of the collections account was removed ( Interstate credit collection ) and they put it back with out notifying me within 5 business day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method professional   XXXX   XXXX   is undeliverable and how can you delete   XXXX   but verify the oher, please delete
Around   XXXX   XXXX    , I made purchases with  Saks Fifth Ave  using my major purchase account. The account had been opened by me and used over several years which I never had any issues with ( including same promotion programs during holidays and such ). After I made the purchases in  XXXX , I returned over 80 % of the items in the following months. I called and inquired why my min. payments remained high and the response was that I should have read the fine prints better that I had to make the same minimum payments regardless whether those purchases were returned until my account is fully paid off  (  including any previous purchases not under the same promotional program ). I asked why the new program was n't clearly advertised to the consumers as to what the significant changes were and they said a separate letter was sent out along with the privacy statements. I was in disbelief as a customer of Saks for over 10 years with good payment history being treated as such. This has created financial burden as I was n't expecting the terms as such so my cash flow was negatively impacted. I finally paid the account in full and closed. As a honest consumer and willing to make full payments and a long history with the Company, I was misled and mistreated by Saks. When I finally called  Capital One , they disclaimed their responsibilities as they said it was n't their responsibilities of how the store promoted the credit program. Additionally, Capital One was also unwilling to help in anyway because it was n't their responsibility in working with me.
Equifax has verified twice a judgement on my credit that is not mine. Equifax is the only credit reporting agency that claims to find it and verify it. I have challenged the item twice and asked for their source and proof by validation and they will not respond in kind. I called XXXX County Court house and they have no record of this judgement and they confirmed that they do NOT verify or report to ANY credit reporting agencies. This is keeping me from getting my home loan and causing financial distress. This violates my credit reporting rights. Please investigate and force this to be removed immediately! I have faith they will listen to you.
I filed a hardship charity request with XXXX Medical Center and they told me the debt would be forgiven
I have several payday loans on my credit reports that were applied for online. After several disputes some were removed from two of my credit reports. I did not apply for these loans at all and received no cash in hand. Around this time my bank account at XXXX and XXXX XXXX were also compromised. I am a XXXX year XXXX veteran and we are prohibited from these places. I have contacted each company but they insist they have proof of the loan. I have seen the documents and this is not my payroll signature on these documents. These are on my XXXX  account. I have disputed already in XX/XX/XXXX. 
I have no knowledge of t hese accounts//Accounts are fraudulent. 
XXXX XXXX XX/XX/XXXX {$310.00} Speedycash XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XX/XX/XXXX {$220.00}
I went to XXXX to buy a car. i did not know that I was being a victim of predatory lending practices. I was very interested in purchasing the XX/XX/XXXX XXXX At the time I owned a XX/XX/XXXX XXXX and was trading it for the XXXX. I still owed on the XXXX in amount of {$16000.00}. I believe the salesman took advantage of me, my age and the oppurtunity to make a sale. no matter the price or the financial harm it may have on a ususpected consumer now and in the future. besides the high price of the vehicle {$35000.00} and the insane thought to include a partion of the balance owed on the XXXX ( {$3900.00} ) and to toss in a dealer warranty of ( {$4500.00} ), which will have a detramental effect on the ability to try to trade or refinance the vehicle. this was not explained to me. In all to have a total finance amount of {$43000.00} at XXXX % for XXXX months. if the vehicle is already questionable to be value at {$35000.00} the selling price, it will never have a chance to be traded or refinance with now having a total balnce owed of {$43000.00} plus finance charge of {$12000.00} for a grand total of {$56000.00}. this is already a proven fact with Wells Fargo, Due to their denial of refinance with them to get a reduce interest on the vehicle. which proves if this was not a good deal for them than it was not a good deal for me. I was coherce into buying the vehicle not fully understanding all of the charges that were included in the amount that was finance. or how this would effect my ability to refinance or trade.
In XX/XX/XXXXI was sued by a bank for a loan that I was alleged behind on. Later ( I believe it was a few months ), I was sued again by Portfolio Recovery Associates, but for a higher amount for the same account. 

I contacted Portfolio Recovery Associates in reference to this account, and they are saying I owe them for a XXXX credit card from the original creditor. I never had a credit card with the original creditor, only a loan. I have requested the proper paperwork from them, and Portfolio Recovery Associates has failed to provide the proper paperwork validating that there is a valid debt. They are failing to abide by both Federal Law as well as Texas State law. I have phone recordings from my phone calls with Portfolio Recovery with evidence that they do no have the correct information regarding the account. 

This all goes back to the consent order issued by the CFPB in XX/XX/XXXX where Portfolio Recovery Associates was fined for suing people knowing they would not show up for court, as well as not having proper paperwork on debts. 

This information needs to be deleted off of my credit report because it is apparent that Portfolio Recovery is in violation of the consent order from XX/XX/XXXX.
This Cavalry collections company forced my XXXX   roommate to sign for some document by way of a sheriff. Not only do I not recognize the company and affirm Ive never had business with them, the deceptive practice of having someone sneak into a secured property and forcing someone with police XXXX to sign unknowingly and unwittingly for legal documents that arent his and shouldnt be delivered to our residence anyway.
I have a online payday installment loan with Big Picture loan for {$1300.00}. I have an 398 % interest rate. I was told there would be {$180.00} finance charge but I wasn't old that it would be per payment and that I would end up paying thousands in interest. I tried to go looking at my document but the only ones that I can see are the payment schedule and how little my payment is going to the principal. The loan scheduled payments goes for 12 months. I clicked on the pay in full button after paying on my loan since XX/XX/XXXX and my payoff is larger than my loan amount {$1300.00}.

I am unable to make my payment due to medical bills.
To Whom It May Concern : While reviewing a copy my credit report, I discovered that some of my credit references are not included but have been reported. Please add the following accounts along with my credit history as evidenced by the attached letter from the merchant to my credit report. 
Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ] of the Fair Credit Reporting Act, there should be no charge for this report because it currently is incomplete.If you have any questions or need additional information, please contact me at the address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
I filed against Chase Bank refused refund {$900.00} for unfair and deceptive banking service, new account, and general practices. In addition, I do not happy with declined checking account with unfit Oregon resident records. I do not interest in XXXX XXXX XXXX within Oregon resident telling to U.S. Senators in highest serious matters! 

I was not happy with XXXX, XXXX XXXX XXXX, and Chase Bank in having hidden discrimination against my appearances & XXXX addresses and they hated my appearances as they made bad threatened against my appearances as everyone does not like me when I walked in these banks in Oregon due of unfit Oregon residents. I filed against XXXX XXXX XXXX, Chase Bank, and XXXX refused refund {$900.00} for unfair and deceptive banking services, overdraft, general practices. In addition, I do not happy with banking services with unfit Oregon resident records. I complained must released to file charge against these banks whose refusal refund {$900.00} in highest complaints against XXXX XXXX XXXX as they made bad threatened against XXXX XXXX XXXX that I do not allow female employees handle in this case. I was not happy with these XXXX, Chase Bank, and XXXX XXXX XXXX in bad banking business against XXXX XXXX XXXX appearances. They do not interest in meeting with XXXX XXXX XXXX as they avoid XXXX XXXX XXXX addresses messages to U.S. Senators and XXXX XXXX XXXX. Sincerely, XXXX XXXX XXXX cc : XXXX XXXX XXXX
XXXX XXXX XXXX has a late payment reporting in XX/XX/2019 on my credit file that is not correct and i have been trying to get them to make it right but they refuse stating that it is accurate for acct # XXXX.
After Chapter XXXX bankruptcy discharge, multiple judgments are being reported on my Equifax and XXXX credit reports. XXXX reporting agency removed these items from my report. I have been unable to have XXXX and Equifax remove these items.
RE : DELINQURNT NOTICE ON ACCOUNT NO. XXXX The above subject refers. 
I recently check my credit history and found that on the XXXX of XXXX, 2015, Wels Fargo placed a delinquency notice on my credit report on alleged delinquent account. However, the supposed delinquent account no XXXX was closed by Wels Fargo on the XXXX day of XXXX 2015, upon satisfying the balance of the said loan in the sum of {$300.00} on XXXX XXXX, 2015. Please see copies of my XXXX XXXX XXXX account statement attached as " documents A and B '' as proof thereof. 
A cursory look of my loans ( both personal and student ) repayment history with Wels Fargo would show that I have never for once, late on my payment let alone defaulting. I need not stressed that the unscrupulous action of Wels Fargo has occasioned serious economic and financial harm as my credit score has nose- dive as a result the negative comment placed on my credit report by Wels Fargo . 

I called Wels Fargo and lodged a compliant, I was told to write to Wels Fargo XXXX in XXXX XXXX, NC. I mailed the said letter on XXXX, 2015, but no action has been taken to redress the hardship caused by Wels fargo 's sharp practices. 

Kindly investigate my claim and get Wels Fargo to do the needful. 

Sincerely, XXXX XXXX
On XX/XX/XXXX { {$270.00} } was sent from my Wells Fargo account through XXXX to a person supposedly named XXXX XXXX email address was XXXX. Wells Fargo confirmed the transfer by sending confirmation code XXXX to my mobile phone. That transfer occurred about XXXX PST. The money was in exchange for 2 basketball tickets at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. The tickets were promised to be sent to my XXXX Email Account, but never were. I spoke with Wells Fargo the same day and they said nothing could be done. They did not offer to identify the bank connected to the email. I spoke with customer service at XXXX to no avail ; they said it was Wells Fargo 's issue and would not identify the bank that was connected to the email account in their system. I also informed XXXX of the fraudulent advertising. Everyone passes the buck and scams like this perpetuate. Hopefully you can gets Wells to reimburse me for this complaint. Thank you.
I have disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( Equifax, XXXX & XXXX ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in XX/XX/2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX/XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.
XXXX XXXX XXXX XXXX  DBA XXXX XXXX XXXX was when the bill was paid, that they would remove it off my credit report. Disputed this with XXXX, and they said it would be removed. 
XXXX XXXX has also been disputed through XXXX. That charge was originally from 2010, when the woman processed the applications for that apartment complex, and she didnt ask for payment up front. She instead billed me after the fact. 
I am disputing both negative accounts on file.
I have been working with Ocwen, my 1st mortgage for a very long time to process a short sale. I have submitted various offers for review and after months and months of having them take their time to review the offers, request several appointments to come into the home to valuate the property, they now refuse to proceed with approving the offer they currently have for a short sale. They have given plenty of excuses as to why they will not work with me today to avoid foreclosure but not once over these last several months have they tried to help me with being able to sell my house. After all of the hoops I jumped through to accommodate them. Today they note that the reason they will not work with me is the current sale date- but they have postponed my sale several times in the past and for some reason today are refusing to work with me and postpone this one sale that will give me enough time to finally get an offer approved at the amount they seek. I have been battling Ocwen for years regarding this home and now that I have spent a lot of time trying to do the right thing they want to ruin my life by foreclosing. All of my efforts have been made to avoid having foreclosure occur, foreclosure will hurt me financially for at least 7 years.
Cavalry Portfolio Services is reporting a very old debt ( probably XXXX yrs old ) on my credit report as a collections item claiming it originated in XXXX. This is FALSE. XXXX was the year that XXXX XXXX XXXX bought the debt from XXXX XXXX XXXX, but this was not the original date of the debt, which was from XXXX in or around XXXX. 

This account also shows as OPEN and since XXXX no longer exists, it is definitely closed. I also received an attempt to collect on the debt in the form of a bill from them, and it confirms that the debt is too old to be sued for it. I have not opened ANY credit card accounts with a $ XXXX balance in at LEAST XXXX YEARS. 

This item and the recent " COLLECTIONS '' status needs to be removed from my credit report. It is the only derogatory I have and messing me up to refinance my house. AND THEY JUST REPORTED IT AGAIN ON XXXX, XXXX!!! ARRRGH. 

Thank you for your assistance. I really appreciate it.
My mother put me as a joint credit card applicant on a XXXX XXXX XXXX credit card back in 2002 when I graduated XXXX. She did this without my knowledge or consent ( I believe her reasoning was to help me with my credit ), but she has since been imprisoned for criminal activities and has been unable to make payments on a card that I did n't even know existed until recent years. Now, this item is showing up as a negative item on my credit history and is impeding my ability to buy a home. I submitted this dispute XXXX and they had the item removed from my credit history. I have disputed this twice with Experian, however, and they will not remove this item from my credit. I called Experian ( another complaint I have is the difficulty in finding a live phone number to talk to someone ) and they advised that I speak with XXXX XXXX XXXX XXXX which I did, and they advised me that I needed to speak to Experian XXXX and that there was nothing they could do.
Debt collector keeps calling a leaving messages. They claim they are a Law firm. The " law firm '' is in Utah. I do not live in Utah. Please investigate this company. They use scare tactics to collect on old debts that should be off the records of consumers.
I do not own this debt.This vehicle was stolen   XXXX    2016. P olice Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy. United Auto Acceptan ce ( UAA ) needs  to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why United Auto Acceptance refuses to go after the correct owner of this debt. If United Auto Acceptance can not properly and accurately provide with the proof, I request that this debt that I do not owe be removed
This was apparently charged to me for a doctors visit while I was in XXXX XXXX, but the doctor seems to have a private medical firm outside of that company, which he bills separately to his own practice. 

These services were never requested and I tried to deny services and leave before I was ever given services. Unless I complied with what they wanted me to do, I was not able to leave-again, this service was forced on me and I was never told the doctors visit in XXXX XXXX was going to be billed from another practice. 

I denied these services multiple times and wad forced to sign papers or be locked up in the hospital. If they considered me not well enough to leave and make my own decisions, then any agreement made during those times are no longer valid, as they were signed under emotional distress by someone not capable of thinking clearly and were forced services. I should not be held accountable for this bill given the medical staff kept me there due to their opinion I was not in a sane frame of mind, which means I did n't understand what I was signing other than I wanted to get out as the treatment there is terrible.
I have calculated my interest down to the day for how much I am losing. Navient is stealing an extra day every month from me since my loan started. If they are doing this to everyone that is a large sum of money. I calculated the same thing with XXXX and they are not doing the same as Navient. Also if you go through the history of my loans when I just mailed in the amount I was told I owed for the month, they did not allocate my payments correctly. Since they have allowed access online I have not had this issue, as they must apply my payments as I note them. Although the first month I did this 3 years ago they tried to misappropriate my payments again. Which took 3 months to fix. I borrowed less than {$70000.00} and graduated in XX/XX/2007 and I have paid them {$100000.00} and I still owe them {$10000.00}. People that have borrowed from Sallie Mae/Navient please be aware of where your payments are going.
I disputed the Bankruptcy on my credit report with Equifax Credit Reporting Agency. The Bankruptcy was dismissed. Based on the law the Bankruptcy should be removed from my credit report because I never filed for the Bankruptcy. I am going to provide the dismissal papers for my complaint against Equifax Credit Reporting Agency.
I was recently in a financial crunch and needed to meet a child support obligation etc .... I applied online for a payday loan and was lied to about the way the actual payday loans work. As a result I have had to close my bank account and send a Cease and Desist Letter. I still continue to receive threatening phone calls and harassment of my family members.I have paid over {$600.00} in fees without touching the original principle amount of {$500.00}. I am having to retain an attorney to stop the harassment.
I returned the call on XXXX/17 and the young lady was rude. She told me people that do n't work still pay the debts. Then she wanted to go through my finances with me. I do n't think that is any of her business. 

If she wanted to collect a debt she should work with that person, not tell them how or how much they need to pay.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER   XXXX   NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL T HE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS  XXXX  IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.