WillisBack/dataset-financial-user-claim huggingface dataset:
Just today, my mother in law received a call from a navient worker named XXXX. This is the third time she has called her. My info WAS ALWAYS updated in their system. I have no answer as to why they are calling her! My financial business is not hers, and she does n't want these calls either. THE START : If you go back a year ( or more ) you will see that I was making my payments ON TIME. Unfortunately, I lost my job in XX/XX/XXXX. I DID MY DUE DILLEGENCE TO CALL NAVIENT AND LET THEM KNOW I LOST MY JOB AND COULD NOT PAY RIGHT NOW! I also informed them that I would certainly pick back up in making ontime payments when I get back working ( please check recordings since they make it clear they are recorded ). They are STILL calling me about making payments. I then talked to them again and let them know about my situation and they blew it off as if I was a horrible person. I asked them to PLEASE make a note on my account about what I 'm going through. Then today happens! They keep calling badgering my mother in law and when I called them back, they badgering me to make a payment! It 's very frustrating that they are not caring enough to listen to what my struggle is ( briefly ). It 's like they do n't care about me as a person! I have a family, kids, wife ... they know I ca n't pay right now, so why keep asking me? This is not fair nor is it any type of good customer service.
I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/2017 and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$98.00} and I was never made aware of such debt in writing.
I found a charged-off account from XXXX Card that does not belong to me on my credit report. I reached out to XXXX Card by certified mail requesting that they provide and prove the Validity of the Account. XXXX Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent XXXX Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. XXXX Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, XXXX Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including Experian, XXXX, and XXXX  ) from XXXX Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, XXXX Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX XXXX  Card XXXX XXXX XXXX XXXX DE XXXX
This car was stolen on XX/XX/17 and the insurance company was in the middle of sending Capital One there money to pay this car off. The car was gone for over thirty days and I got another car. This needs to be remove a negative payments.
On XXXX/XXXX/XXXX, I submitted a request to Transunion asking to have XXXX public records deleted from my credit report because they no longer met the new minimum federal guidelines for reporting. Transunion responded by stating the information was correct ; but they never addressed the initial request to remove the aforementioned items because they did not contain the minimum consumer identifying information. I submitted a second request on XXXX/XXXX/XXXX and included copies of the public records with the missing consumer information, however Transunion has failed to respond.
I 'm XXXX years old and I 'm scheduled to be foreclosed on XXXX XXXX. CIT Bank ( Financial Freedom ) has a reverse mortgage on my property. When I made this arrangement, it was with the intention that I would be able remain at my house for the rest of my life. I hve reached out ( or family has done so ) to come to a resolution whereby I can begin paying what CIT claims I owe in property taxes and thus avoid an unnecessary foreclosure. I have only Social Security, so losing my house would quite a challenge for me. I feel that I have not been offered or allowed to make an offer to help me remain in my house.
This compliant is in regards to a business credit line for my business XXXX. I currently have an installment loan with this bank with an initial loan for XXXX. I currently owe a balance after XXXX years of {$13000.00} in which I will be paying off as of XX/XX/XXXX because it does not make sense to pay a set amount based on XXXX when the loan is down to XXXX. I have not missed a payment and I am in good standing with the bank and my payments were all current and to date. I have a good credit score per personal in the XXXX 's and business score for my business because I was just recently approved for XXXX approx a month ago in credit card but the bank did not have a credit line product so I applied at Huntington Bank due to I have a relationship with them and a installment loan. I applied for a credit line for XXXX dollars and was told the process would take XXXX hours however after XXXX weeks I called XXXX and he stated that they were backed up on loans and also read the Email back to me stating the underwriting said that If I had a hard time paying off my current loan that would be an issue but which the banker, XXXX must have gotten the information confused that he sent to the underwriter becuase I told him I was paying of the existing loan but I express to the banker, XXXX I am paying off the existing loan but I just wanted to apply for the creadit line to have a credit line available it took XXXX weeks to find out I was denied but did not find out by that banker XXXX but only after calling several other personnel for customer service and branches. I am writing this compliant because I feel I was unfairly denied for a business loan I should have received. These are the following factors : XXXX. This existing loan will be paid off as of XX/XX/XXXX XXXX. I have good personal and business credit XXXX. I have been in business over 15 years XXXX. I have not missed a payment on the loan XXXX and have paid XXXX XXXX years current and in good standing. I feel the banker has dropped the ball and handle this particular banking issue reckessly. Further, I have several other credit lines and have had for over 20 years and all are in good standing. This is the lst time I have encountered a situation where it takes XXXX weeks and still no answer until I call another bank and even they thought it was odd to wait XXXX weeks for a decision. Last, I am writing this compliant due to the banker XXXX not properly conveying my circumstances for receiving a credit line and has in essence blown my chances for a credit line I was suppose to receive based on my currently standing in business and I feel not only a violation for my business but my rights as a business owner. 

Desired Outcome : My desired out come is to have my case properly conveyed and reviewed so the outcome by the underwriter can be made with proper and correct information and not misinformation.
On XX/XX/2017, I used my Chase VISA credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX with my VISA card of  {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a single attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant each through the dispute and the appeals and was unable or unwilling to help resolve the dispute.
ALL OF THE ABOVE- focus now is on old info that never goes away. 2- info that is reposted to make me look bad. further with statements of pure libel- that read " too many inquiries '', " massive delinquincy '' - make attempts to extort the consumer to no end. My ID was stolen- reported to XXXX and XXXX sherrif , and XXXX FBI XXXX No credit bureau will accept communications from these agencies- demanding I provide the internal case information. I don have access to FBI internal systems- or i would be investigating multiple leads right now, myself. 

When I moved here 6 mos ago- they read " data unavailable for new credit ''. Now they read worse then " serious delinquincy. '' I owe nobody. ALL ACCOUNTS ARE DISPUTED IN FULL- I have the right to not pay accounts and still have them removed. NO BUREAU HAS COMPLIED since initial proceedings over 12 mos ago- and when they comply its for 6 mos at a time- then the old info shows up again. 

The laws are rigged against the consumer to collect damages due. I should not be forced into payments for debts I can legally dispute in full, like a lemon XXXX XXXX that XXXX DID NOT and WILL NOT fix. XXXX refuses to collect the info from XXXX  XXXX XXXX who serviced the car, and refused to fix it. Then XXXX refused to remove the loan -or pickup the car. XXXX resells the data to itself under multiple trade names. 

A rising cr score indicates that not only are these account reports slanderous- but dated and resold. I can not establish new credit whatsoever due to this blasphemy being resold to merchants- but hidden from me.
I have a child who was covered under his father with XXXX. Because he was considered XXXX the state of tx stepped in and gave his secondary insurance through medicaid. Which covered ALL unpaid expenses XXXX did n't cover. Over the course of about 2 years the Dr 's and hospitals my son was seen at neglected to file with BOTH insurance companies after I repeatedly told them to do so. I provided the information needed and the insurance cards as well. A couple years later, I have now had XXXX collection accounts show up on my credit report. Some for as little as {$30.00} simply because they did file with XXXX but not with the medicaid. XXXX will not pay after 90 days so these companies sent the bill to his father who covers him under XXXX. I never got ANY bill. Yet, all of a sudden I have all these collections. I have disputed and tried to get these companies to understand that he was covered and should have filed with the ins but they say it is not MY responsibility. I feel the debt is not mine because I made sure to give them the information necessary to get paid. The child was fully covered for 100 % of his bills, and simply because they were too lazy to file they want me to pay all of these. How is that fair? These accounts are the ONLY negative accounts on my credit report, and since they broke them up into {$30.00}, {$39.00}, {$43.00}, etc I have XXXX collections accounts. This ruins my credit and my chances at getting good rates with any financing for cars, houses, etc. This needs to be fixed and changed. It't not right that they can pull this and it should be illegal.
I have a  30 yr mo rtgage that was purchased and is now serviced by   Capital One. I have put the payments on Auto-Pay through my bank and have done this for well over 5 years.
For the last 2-3 years I occasionally receive a call and letters in the mail stating that I am behind in payments. Before I was terrified that something had gone wrong with my bank payment and quickly made a payment over the phone with their customer service representatives only to find out that in fact my account did pay out the required loan payments.
They were at it again earlier this year and admitted that they applied one of my payments as an " extra '' payment and then faulted me for not making a payment. The customer service repr  esentative apologized and said they would correct it.     Now again, I am receiving mail and phone calls stating I am behind. I have a flawless bank record of sending processed payments, never late. I think it is an administrative ploy to reel in late fees and/or alter loan status ' for their benefit. I do n't know how to get them to stop this.
I contacted 2 lender solve problems and they didnt work out they just keep telling me will contact me back but never I dispute with credit report is same problem and they told that I need contact company
XXXX XXXX has previously been informed that my company does not allow personal calls during work hours, XXXX XXXX continues to call my place of employment. This last time the agent hung up without identifying the company she was calling from. The agent then claimed that the work phone number was the only contact information she had for me, which is false. This harassment at my place of employment needs to stop. This call was received at approximately XXXX XXXX  central time on XX/XX/2019.
Hello I have been trying to work with equifax but they refuse to help. They have 2 state tax liens that are to old to be on my acct. Both have been there since XX/XX/XXXX. I believe they are the same lien just filed twice. Also I have disputed a bankruptcy that is not mine and they refuse to remove or provide proof. Also there are inquiries that are not from me they are XXXX XXXX XX/XX/XXXX and XX/XX/XXXX innovative funding on XX/XX/XXXX XXXX XXXX XX/XX/XXXX auto approve XX/XX/XXXX equifax mortgage service XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I have contacted them and they refuse to help in any way. Thanks
They wrongfully tried serving me fake papers in efforts to get me to pay a debt, which I " owe '' but since the XXXX that wants money did damage to XXXX my teeth and refused to admit his assistant did any damage and refused to lower the bill. In my mind I do not owe that man any money. 
So after that the " debt '' went to a collector, Como Law Firm. XXXX of the most horrible people I have ever talked to. They told me I need to send money to a XXXX XXXX XXXX and got mad when I said I was not sending any sort of money to some random XXXX XXXX XXXX When I asked for an address they claimed they did not give out their personal address for their company. I had lost my job soon after and shortly after that I became pregnant. My XXXX and for a majority part of it I could n't work due to being XXXX. I calmly called this law firm to explain the situation and if they could just wait a few more months till I am back at work. They proceeded to call me an immature child who ca n't pay my bills, then they said if you do n't make a payment within the week we will just sue you. 

They never tried working out an agreement and just went directly to harassing me and saying they were going to sue. 

I had n't received any papers from them in the whole time my debt went to them. When I asked for a confirmation paper that my debt was actually with their company they told me that they do n't give those out either. 

I have never had a problem with the other debt agency I have an amount with. I work with them and we get my debt paid off in a timely manner. 

Como Law Firm should not be in business.
I 'm getting things put on my credit report that i dont owe at all.and its really ruinning my credit all up
My husband and I have received several voicemails advising us that we have completed an illegal transaction that, depending on whose voicemail it is, has ranged from an insufficient funds check to an invalid account. Via voicemails, the agent is telling us that our account is behind due to invalid/insufficient funds and that we are past due. She also states that what we have done is illegal. We always made our payment timely and frankly, I am stunned to receive such a voicemail, when I know that what she is saying is not true or legal to say.
I can not afford my monthly payments. Previously enrolled this creditor with a debt management credit counseling plan and I eventually had to remove XXXX because they truly do not help. 

After removing them from my credit counseling plan, I contacted XXXX myself to see what options they have to assist those who can not make their payments. 

Their only options are to refinance or to push the monthly payment back. Neither of these options are true options when the loan ( 1 ) has a 149 % interest rate that ensures that payments will be high and customers will likely have to miss a payment, thus hindering their ability to qualify for refinance due to the negative notations they will get on their credit report and ( 2 ) they do no address or change the amount paid every month to be more affordable. 

This company offers NO hardship plan accord to them. Other companys who provide installment loans do. XXXX has decided receiving no payments at all and defualt would be better to offer some sort of hardship assistance for people that truly want to pay their debt. 

I was previously advised by a XXXX XXXX agent to cancel my debt management plan and to work with them directly. 

I am only current now after struggling and borrowing money to get myself current and I was under the impression that once current I can gain assistance. I would not have struggled and borrowed only to find out that I was once again lied to and misled by XXXX agents. 

I need true hardship help. 

A 149 % interest rate is extremely unreasonable and this company absolutely engages in predatory lending, offering loans to people who can not get a loan elsewhere with extremely high rates in addition to making sure they do not offer any assistance should customers can not pay their monthly payments which MOSTLY if not ALL only go to interest and not the principle balance of the loan. This is unfair. This is unreasonable. With so high payments, they should actually be reducing the loan but instead every day the amount due gets higher and higher.
My mortgage was sold to Greentree servicing. Due to medical issues, I fell XXXX month behind on my mortgage. I spoke with someone at greentree and told them I was planning to pay extra every month to catch up. I then became only XXXX behind. I then was put into foreclosure ... for being XXXX behind. I called greentree, they told me they mailed me a letter telling me to be current by a specific date. I never got this letter. They then stopped accepting payments from me, and told me I had to make pay all past due amounts at once. This included a check they cashed but put into holding, but did not reduce the amount I owed. It took a few months ( XXXX ) to get them to come up with the right amount that included that cashed check. I then attemped to pay the amount past due in total. I was informed that they sent an email to legal and had to wait for a response before they could accept payment in full. ( due to the foreclosure fees they needed to get info on ) I was constantly told to call back the next day, I did, eventually they began saying call back in a week, I did.. then it became nothing by being sent to voicemail and no one returning my calls. This occurred for a full year. I was then massively behind. At my wits end and months away from being kicked out of my home, I contacted XXXX. Only then did greentree talk to me about my mortgage again. They told me I only had XXXX option in the modification that extended my loan from XXXX more years, to XXXXXXXX XXXX! They then tacked on over {$10000.00} to my principle balance.. They claimed this was a charge for " capitol '' I now owe MORE on my mortgage than when I bought my home in XX/XX/XXXX. I contacted greentree to find out what this " capital '' was and they will only give the answer " Its just capitol on the mortgage '' That is not an answer. Bottom line, is that I had to modify a mortgage due to their negligence, and they get to add XXXX XXXX dollars to my principle balance. Contacting them has not gotten anything resolved. They went from being harassing and threatening me, to avoiding and causing extreme financial issues that could of been completely avoided.
had a loan with beneficial, this loan was backed with a collateral I use my van, and bought insurance for d loan but my van was stolen an beneficial ask me for d police report, I took d police report to them an d loan was paid cause I had d insurance and lost my van. this happen I 2007 do n't know why after 9 yrs. this company " XXXX XXXX XXXX XXXX '' wants to collect money. please help do n't want from them to keep bothering me and my wife, I m a XXXX yr. old and get tu frustraded.with this matter.thank you
Capital one 's collection agency keeps calling me non stop. I lost my job and in the interim I thought my business would take off and it has n't yet. This has been going on for several years before my son passed away in 2013. They sent me emails pretending that they were the XXXX of VA and I have a warrant out for my arrest? Plus they had someone call my cell phone saying he was XXXX and he was coming within 24 to 48 hours to give me a summons? The bill is around XXXX dollars. I want this game over.
I have submitted on 2 different occasions all the documentation required under the FCRA for accounts and data on my Equifax file to be corrected, however I am told the documentation either has been reviewed or that it was n't received. Every time I call i get a different response so its clear that they are not doing anything at all as they are supposed to under the law. I have submitted both a FTC and police reports, as well as letters from the actual companies as proof the information presented on my file was incorrect and should be adjusted. 

I filed my FTC complaint on XXXX/XXXX/XXXX and mailed a copy to Equifax on XX/XX/XXXX and XX/XX/XXXX by certified mail with receipts showing that it was received to XXXX. XXXX XXXX XXXX, GA XXXX. 

XXXX XXXX : ( x2 ) XXXX late payments are showing even though I sent over documentation from the company showing that this was not correct and yet it still remains on my file. 

XXXX XXXX : that was previously removed due to fraud and then it reappeared out of nowhere I assume as a glitch however again I have paperwork from the XXXX XXXX executive office showing that this file was supposed have been removed. 

XXXX XXXX : this account was fraudulently opened in my name by a deceased family member and I have provided police and FTC reports to assert it was supposed to have been removed, whereas both XXXX and XXXX removed the information promptly its been over 2 months and its still not removed by Equifax. 

XXXX XXXX XXXX XXXX : a company I have never heard of or had any business with is asserting that I have an account with them and I do n't and have requested for them to verify/validate the account to which no information was provided to me within the 30 days allowed under federal law, the account needs to be immediately be deleted.
When we were applying for a mortgage, we were approved up to $  XXXX  by Bank of America . We found a house that was only   XXXX   and our Mortgage Banker at Bank of America guaranteed us they would issue a HELOC of  XXXX  after we moved in. They have now come back and reneged on the deal we ha leaving us with a house that needs 150K in work. In effect, they left us stuck in a mess due to their dishonesty..