WillisBack/dataset-financial-user-claim huggingface dataset:
I applied to consolidate and refinance my federal student loan from an agency called   XXXX   XXXX   XXXX   XXXX   in   XXXX   XXXX  , in order to reduce the payments I was making at the time. I completed my application for consolidation and refinance, and received word that my new consolidated private loan was sold/given to  Navient. I  prepared to begin payment of my loan in   XXXX   XXXX  , and continued to receive billing statements from   XXXX   XXXX  , my previous federal loan servicer. I proceeded to call and speak with customer service representation at   XXXX   XXXX  , who stated that there was no information in their data base indicating my loans had been paid off and/or consolidated. In turn, I called   XXXX   XXXX  . The customer service representatives at this agency also stated that it appeared as if my consolidation process/payoff was not presenting as complete. In turn, I called  Navient, wh ose customer service representatives stated that no evidence of partial consolidation/payoff was observed, and that further inquiry would be required. Thus, I had received verbal guarantee from representatives of both   XXXX   XXXX   and  Navient tha t inquiry would be made regarding the observed and confirmed error, and follow up communication would occur. I waited for a period of weeks, with no reply from either entity regarding this matter. Meanwhile,   XXXX   XXXX   continued to bill me for the federal loan. In the same period, Navient private loan department began contacting me about payment deadlines for my new private loan. At this point, I became very concerned, as I had  XXXX  agencies billing me simultaneously, and no follow up communication to update me about the progress of my consolidation, even though my loan was stated to be complete and privatized p er Navient.  Without any further communication from the aforementioned parties, I developed an emotional panic, and reached out to a third loan consolidation agency, which in turn led to financial victimization  ( See  CFPB complaint #  XXXX   ) .  The ultimate res ult of this error has been significant unethical financial loss to my family, as well as a persistent emotional distress I have experienced since it became apparent that multiple agencies were billing me for a student loan, and I received no follow up assistance despite the appropriate communication efforts, which I made in good faith and trust in these entities.
I contacted Transunion to have a negative report removed from my credit report. The reason it was on my account is because it is my fathers debt, and we share the exact same name. Due to our sharing the same name and address, they refused to remove the report, even though it 's from a debt on an account that was opened when I was XXXX years old. After I called them to try and rectify the situation, I was directed to a XXXX call-center, where the worker hung up on me after receiving my case number. Now there 's nothing I can do about this fraudulent charge that was a mistake on the part of Transunion and XXXX XXXX XXXX without hiring an attorney over a {$130.00} charge from XXXX years ago.
A man from a company he calls Central Mediation Services contacted me regarding a debt that is over {$2000.00}. He asked me to set up payments of {$100.00} on a biweekly basis. I did, because I do have unpaid debt and I thought it was one of those accounts. He told me he could not give me information on the original account holder. However, he stated I would receive an email document with information regarding this debt. I never received it. I have complied with my payments. I called today, XX/XX/2017, to ask for a change of date on my payment due to a low paycheck I will be receiving this pay period. He became abusive because I sniffled on the phone when he said I had to make a larger payment than I could afford. He said I had to come up with the money somehow. I said fine, and he said he would add the remaining amount of my payment from one week from today only if I gave a payment I could n't afford this pay period. I said fine, I may just have to sell an item from my house or something to come up with the payment. At that point he said, " Do n't come up with this sob story about selling something from my house. I will not move your payment. You got yourself into this situation so now you have to deal with it. '' I said " I 'm sorry I did n't mean to come across that way. '' He raised his voice and started saying, " Where do you live, in Southern California? Is that how it is down there with you people. '' I said, " You do n't need to be rude. Fine, I will figure out how to give my payment this pay period. '' And he said, " I 'm not being rude you people get into this mess and you think you can cry and fix it. '' I said, " Fine I will be recording this conversation. Please send me documentation to verify this account so I know who you are and who I am sending my payment to. '' He said, " I will, to your email address, XXXX '' I said yes, " i would like to share that information with my attorney. '' he said, " do n't threaten me with an attorney and yes i will send your documentation. ' i have not received this documentation and I am concerned about the abusive language he used. I feel uncomfortable and do n't know who I am sending my payment to. He said " this is restitution to avoid a Court proceeding and you made an agreement. '' I am concerned that if I do n't send a payment they will send me to Court. But I do n't know if this is a valid debt and I am really worried about the language used in the phone call -- it does n't seem to be coming from a legitimate source. I can not afford an attorney. Can you please help me?
I have called repeatedly to ask XXXX XXXX to send me my promissory note. I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have yet to send me the promissory note.
I have an XXXX XXXX XXXX card and I noticed that my entire account number is listed on my monthly statements. That is not a good thing as I have lost my statements and I'm afraid that my charge account used or stolen to be used in a fraudulent manner.
XXXX does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason Experian can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in 2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of Experian and find why the XXXX this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.
I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.
The Nationstar 'Mortgage Loan Statement ' itemizes XXXX late fee in the amount of {$27.00}. However, {$54.00} was added to the amount due, despite the fact that the payment was sent in before the specified date. I can find no explanation for the amount billed. Previous correspondence with Nationstar Morgage results in long delays in replies with no satisfaction.
I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XX/XX/XXXX and shortly before, I experienced significant financial hardship and reached out to XXXX to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XX/XX/XXXX. I did not know of IBR, and I thought that I was okay ( according to the XXXX Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ). I believe, that if I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of XXXX 's exceptional customer service that I received recently. I 'm hoping that XXXX understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XX/XX/XXXX. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.
XXXX XXXX disconnected my T.V cable without notice. I never received a bill from them. I called them to to pay the bill and to let them know i've never received a bill nor any notifications online. To reconnect the cable i had to pay way more i was informed, so the technician can re-install XXXX XXXX and it wouldn't be connected right away.
I attempted twice to get my free annual credit report from Equifax, XXXX and XXXX on Sunday, XXXX XXXX from the US government approved site XXXX. Both times I received a notice that I was unable to get a copy of this report.
I submitted a request to Transunion to remove the Tax liens on my account. They have been paid in full and released for years. I called the WV XXXX division to ask for a withdrawal statement and they told me they have no such form that once the lien was satisfied the copy should be sufficient for them to remove. WV XXXX told me to file a dispute with the credit reporting agency and provide the copy of the release that states the debt has been satisfied pursuant to the WV code. I sent in copies of all such liens and transunion sent me back that they completed my request and the information was updated. They already had the information that the liens were released. I needed them removed so that it wo n't hender me with employment.
I have disputed the statement I put on my credit report that I have asked for this statement to be removed & Experian is telling they Will Not Remove my statement I put up Im demanding that the Whole Statement to be removed ASAP!! 
This is my right its my credit I can delete it I WANT MY CONSUMER STATEMENT REMOVED ASAP WHAT RIGHT DO THEY HAVE TO TELL ME I CANT REMOVE A STATEMENT I PUT UP.
received an offer from Key bank advertising " receive {$400.00} with depositing {$500.00} in a Key Bank Checking account within 30 days from the account opening and keep it there for 180 days ''. When I signed up for the account online I was only allowed to deposit a max of {$400.00} into the account at that time which I did upon signing up. Once the account was set up and I had my account information I then deposited the other {$100.00}. This was roughly dated back to X/XX/17, then 180 days goes by with me maintaining a balance over {$500.00}. So I then check my account once the wait period has passed and I do n't see a credit to my account so I then called the customer service line. From talking to them they said I had to make a deposit of {$500.00} within 30 days of opening the account, which I was unable to initially because they limited me to a max of {$400.00} when I initially signed up because of the offer. This seems very shady to me because when initially when signing up they do n't allow you to comply with the requirements of the offer.
I tried opening a XXXX account, but was being reported by Early Warnings, saying that I had a 5/3 Bank Account in my name I 've never banked with them before.
For the last 9 years I 've had numerous issues with my student loans, many I 've already voiced to CFPB, this is just another issue in a long line of problems. For the past two years I 've been on a " payment plan '' the deal was I pay for 3 months on time with automatically withdrawn payments and they send me a copy of my new updated contract, also after 3 months my interest is supposed to have gone down to 0.01 % because they 've already at this point charged me so much interest my loan is well over double the original amount. Well it 's been two years almost and nothing. I was kicked off the program once even with no notification, and they kept taking out the money every month, it was only after several harassing phone calls did we figure out we were kicked off. I was put back into the " payment plan '' about spring of last year and we still have yet to receive any notification of new contract, not only that but none of the payments I 'm making Are showing up on my credit report, it just says I have n't made any payments in over 90 days! This is preventing me from buying a home for my family.. We do n't qualify for anything because this loan is so greatly affecting my credit. They give us no contact information in the letters we do receive from XXXX, it 's a weird dept handling my loan and when I call no one can get me to the right person to talk to ... I 'm at me wits end, I want to start my life, care for my family and not have to pay almost XXXX what I borrowed!
I AM SUBMITTING A COMPLAINT ABOUT DISCOVER BANK ONLINE. 
THEY DO NOT REQUEST ANY FORM OF ID TO OPEN A BANK ACCOUNT WITH WITH THEM AND SOMEONE FRAUDULANTLY OPENED A BANK IN MY NAME AND STARTING WRITING OUT FRAUDULANT CHECKS AND BOUNCING THEM. THEY SHOULD REQUIRE A LICENSE AND A UTILITY B BILL BEFORE OPENING ANY ACCOUNTS AND THIS WOULD NOT HAVE HAPPENED. THEY EVEN HAD THE WRONG MIDDLE INITIAL
To Whom It May Concern- I am victim of IDENTITY THEFT.

As a result, There was an account FRAUDULENTLY opened in my name with ALLY FINANCIAL.

This is one of MANY accounts that was obtained as result of such.

Ive provided documents of such, that being, my POLICE REPORT & VICTIM ADVOCACY documents.

Ive contacted both the CREDITOR, that being, ALLY FINANCIAL and ALL CREDIT BUREAUS advising that this is not my debt.

LATE PAYMENTS & NEGAITVE information from this fraudulent account is NEGATIVELY impacting my credit score.

It is UNFAIR to me to have an account that was opened as a result of FRAUD continuously cause a NEGATIVE IMPACT on my life.
My mortgage initiated with XXXX XXXX XXXX than transferred to XXXX XXXX XXXX. My last payment on the mortgage account was with XXXX XXXX XXXXXXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XXXX XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. XXXX XXXX XXXX or Experian are been fraudulent reporting information and or investigations because the information has been removed from both XXXX  and XXXX XXXX. In addition Experian also conducted another investigation on my credit report which was resolved by XXXX  and XXXX XXXX by removing from my credit report because the creditors ( XXXX XXXX XXXX ) said that it was an error reported on there behalf and Experian refused to remove.
Thunderbird Collection Agency is contacting me thru my work number during work hours. This collection debt they are demanding payment for has been discharged through bankruptcy. Besides the debt is my daughter, which was a minor at the time of service and they are trying to now contact her for payment as well. They are harassing her at her place of work and contacting her biological father at his place of work. This company is and their so called " mangers '' are mean, demanding and unpleasant. They do n't let you ask any questions about what they are calling about. They demand payment immediately or credit will be destroyed. They also have my phone number tied up with family member accounts. They are n't even my accounts that they are demanding payment for. They are sharing my information of where I work along to other family members of mine which I DO NOT want them to have. I do not want others to know where I work or my work number. I do not want my daughters work numbers given out to others or our medical bills discussed with just anyone that they can get a hold of on the phone that they think will either pay or give out more information to use against me to pay a debt that has been charged off. Also, we did n't just file bankruptcy and walk away from everything. Our bankruptcy was a merely {$37000.00} and we have paid back and still are through our attorney almost {$14000.00}. We did n't just walk away, we do n't deserve to be harassed at our place of work. We 're trying to make money to pay our bills not be harassed by this company just to lose our jobs for their relentless, mean and vicious phone calls. This is unthinkable behavior. They are all liars when we call them back to try and get some answers or try to discuss the situation with them. They either yell and demand payment or just hang up on us.
This company called me at my work looking for my wife 's ex-husband. I do n't know how they got my information but they have called several times.
I wired  XXXX  {$100000.00} transfers to an individuals bank account at the HSBC branch in  XXXX   ,  NY  .  The   XXXX    XXXX   XXXX  suspected fraud so they recalled the wires. They were put in the hands of the  Fraud  Department at HSBC bank. This took place on  XXXX   XXXX ,  2016 . I have called numerous times to have the funds returned and have no success.  The Fraud Investigator i s  XXXX   XXXX  who I have called many times. I am only able to get his voice mail. It is urgent that I be re-imbursed.I need the funds to pay the real estate loans I secured to send this money.  XXXX   XXXX  's phone number is  XXXX   XXXX .   The bank info.is as follows, HSBC Bank us Nat.Assn.  XXXX   XXXX   XXXX , and  XXXX ,  XXXX , NY  XXXX  US, tel. #  XXXX .   Please intercede for me. I have done all I can to retrieve my money to no avail
I recently pulled my credit report because i'm in the market to buy a home. I noticed some items on my report that were not approved by me. Please remove these items from my credit report. This isn't fair and totally embarrassing. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. PH XXXX XXXX XXXX XXXX XXXX. I am doing this by myself and I also contacted the FTC and my local police.
Tree Green Tree Services were added to my Chapter XXXX bankruptcy case XXXX in 2009. My bankruptcy is discharged and paid in full and now they are coming after me with more debt tacked on. I paid them as agree in the bankruptcy, and they refuse to send me my deed. They have sent people to my home and threatened to remove me from my home and sent paperwork to the sheriff 's department trying to issue foreclosure, and when the sheriff 's department come to serve the paperwork, I show them the bankruptcy papers, they refuse to leave me alone. They sold the loan to Ditech and they are using the same procedures to try to foreclose and keep harassment going.
I would like Scottrade to fully and responsively address my other complaints instead of providing generic responses that allegedly relate to the XXXX XXXX, 2013, letter. Indeed, a number of the concerns I raised are wholly new issues and not addressed in the XXXX XXXX, 2013 letter, thus Scottrade 's boilerplate use of previous correspondence for materially new disputes is inappropriate.
Recently attempted to call and confirm another police report sent to Experian. 
Their current stance is we have not recived it ... .. 
XXXX requested a police report dated within the last 30 days so I submited this also to Experian to request FCrA 605b block of information. This nightmare had been ongoing for 3+ mo with them and despite numerous attempts to get hem to follow FCRA laws they refuse. They keep opening investigations. They refuse to supply me with method of verification and continue to place me at an unfair advantage when requesting credit. 
I ca n't get approved for a mortgage due to this account and it 's causing my entire family XXXX and hardship. I have every intention on pursuing legal actions if I do n't get this resolved. 
I am opening a duplicate complaint so I can submit the most reason police report. 
Experian had already recived ID and proof of address from recent disputes related to XXXX different addresses and XXXX name variations.
Collection Company ( Jefferson Capital Sy ) has placed a collection on my credit on XX/XX/XXXX,2017 for a  XXXX XXXX Bill of {$1000.00} on my account. I never had an account with XXXX and I believe this charge was due to some fraudulent account was created by an importer.Last year another company placed the same ( XXXX Bill ) and I immediately notified them about the fraudulent charge and they were able to remove it from my credit.
XXXX XXXX XXXX XXXX XXXX XXXX Have no knowledge of this Address is wrong
I have a personal account with BB & T. BB & T sent me a letter which stated that Bb & T debited {$100.00} from my account for a check that was deposited previously. However, on going through the history of my account I did not find a single deposit of {$100.00}. The letter that was sent also had a copy of the check. But the copy of the check they sent did not have my name on it and neither was that check ever deposited in my account. It was somebody else 's check with their personal information in it which was shared with me. On inquiring about this issue with the local branch on XXXX XXXX, XXXX they said that this debit was made because of another check that was deposited in my account for {$98.00}. If the deposit amount was of {$98.00} then why was a debit of {$100.00}? On asking this question to the bank manager as well as the clerk I did not receive any satisfactory response.
MBB has not sent me any proof or validation for the debt they are claiming I owe. Several items on my credit reports are duplicates. I have not received anything in mail from them, ever!
I paid off a collection account to XXXX XXXX which was for a payday loan with Speedy Cash. It is still being reported as a collection account with XXXX. I sent a letter to XXXX and XXXX XXXX asking them to not report as a collection. XXXX XXXX told me they could n't do it and told me to tell XXXX to tell them to change it from a collection to paid and closed. XXXX told me they ca n't do that. I am attempting to improve my credit scores by establishing new credit and paying off old debt. My attempts at this are futile with XXXX since my credit score has gone up one point in the past 6 months since I started this process. The other 2 bureaus have shot up from the low 500s and surpassed my credit score at XXXX. Please review the letter I sent to the two agencies and explain to me why paying this off has no effect to my score or status. If paying my debts makes no difference, I give up! 
Here is the letter I sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Acct # : XXXX Re : Collection account paid in full To whom it may concern : Please notify XXXX that my balance in the amount of {$310.00} due to Speedy Cash was paid in full and is at a XXXX balance and ***not to report it as a collection item. I am no longer disputing this item with XXXX. XXXX  told me you have to tell you to ***no longer report as a collection item. You told me XXXX has to fix. Please sort this out. I am attempting to pay off my debts and improve my credit score. This is futile if nothing changes. 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX DOB-XX/XX/XXXX XXXX CC : XXXX
I went to CapitalOne 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back later on to complete my payment. now im seeing on my report multiple payments missing. with paperless statements issues with the website i cant see how this companys can continue to make mistakes with no reproductions. ive even been asking for an combination of my accounts to have a single credit line, with there being no real explanation as to when it will happen or why im having issues in the first place. im asking again for the removal of all missing payments on my account along with a merger of accounts.