WillisBack/dataset-financial-user-claim huggingface dataset:
I have been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***
I disputed an unauthorized credit inquiry with XXXX XXXX XXXX. XXXX XXXX sent me a letter stating it would be deleted from my credit report and they have contacted Equifax and requested this unauthorized inquiry be removed Equifax did not. I mailed a copy of the statement that I received from XXXX XXXX stating this information should be removed. I received a response that the information is factual and will not be deleted.
This company is calling me and my family members- most recent message : XXXX XXXX this is XXXX ... contacting you with the offices of NRS. I am calling in regards to a complaint pending against your name and social security number from XXXX County and I do just need to speak with either yourself or your legal counsel prior to any further proceedings. The phone number that I do need an immediate response back to was XXXX and then the extension that is directly in my office is XXXX. Now XXXX this is a very time sensitive matter so it is imperative that I do get a response upon receipt of this message. 

Caller ID was XXXX
I am a victim of the XXXX  data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries removed.
XXXX XXXX, XXXX, Nelnet and XXXX reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.
I have a a unverified account from Reliant Capital Solutions LLC. I had previously disputed this account. I have never done business with Reliant Capital Solutions LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Reliant Capital Solutions LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ).  Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Reliant Capital Solutions LLC Cease and Desist all further communication 9. ) This account is a XXXX violation.
I continued to be called incessantly and at all hours by various representatives of " Synergetic Communication, Inc '' with a " Settlement Offer '' of {$410.00} on a " Current Balance '' of {$740.00} with XXXX. I do NOT owe XXXX, " Synergetic Communication, Inc '' nor anyone connected with either firm ANYTHING!
Case number-XXXX.Thank you for taking the time investigate my current situation. Sure I have been late, so when I paid on XXXX/XXXX/2016 and I pay bi-weekly. I made a payment of one payment and as soon as I finished paying that payment. I get a phone call, not from their business number but from that personal cellphone to ask me why did n't I make two payments. To me I would think they use this tactic to get me to answer a call. So why did n't the person that took payment ask or tell me that. Their business ethics is far from professional. They are just money hungry. They also called me to say that my insurance had cancelled, when I just paid my insurance company on XX/XX/XXXX and the payment was due on XX/XX/XXXX, so I had to take time from job call the insurance and they advised me my insurance is up to date and not due again until XX/XX/XXXX and they did n't even contact the loan company to say the insurance was cancelled. I wish for them to Cease & Desist calls from them until this matter is resolved, but would like a record of my payment history after each payment mailed my address.
First Note : This is NOT a duplicate issue. The other issue reported was regarding a transaction in XXXX of last year. This is a NEW case with a NEW issue. Both cases involve the same card issuer, but different transactions and cards are involved. 

XXXX/XXXX/15 - Purchased a gift card for {$500.00}. The receipt indicated no problems loading / activating the card -- said APPROVED on the receipt. 

After opening noticed that the card inside the package had been tampered with -- someone had destroyed the mag stripe and placed the tampered card on the shelf in a different store. 

I called the number on the back of the card and after entering the card number, was forwarded immediately to customer service. I was told by Customer Service that I would need to be sent a replacement card and that I needed to fax information to " Lost / Stolen Card Replacement '' to get that process started. 

XXXX/XXXX/15 -- Collected the required information ( name, address, e-mail, phone number, card info and receipts ) and faxed it all off to the specified number for Lost / Stolen Card Replacement. Indicated that they could call me at ANY HOUR if necessary. 

XXXX/XXXX/15 -- After hearing nothing, called and asked for status. They could n't find in system. Opened an inquiry to escalate. Faxed the information off to them again and realized that I had transposed XXXX numbers when I typed them. XXXX was XXXX. 

Immediately called them back and inquired with the correct card number. They indicated that A REPLACEMENT CARD HAD BEEN SENT THE PREVIOUS DAY ( XXXX/XXXX/2015 ). 

XXXX/XXXX/15 - Still had not seen a replacement card in the mail, so called the number on the back of the Gift Card. Found that the previously locked/inactive card was now active and that the {$500.00} loaded on the card was now roughly {$11.00}. Immediately hit XXXX to get Customer Service. 

They told me that since they did n't see any fraudulent activity on my tampered card YET, they had simply activated the card on XXXX and that NO REPLACEMENT CARD HAD BEEN SENT. ( Apparently the person I had talked to on XXXX had lied to me about a replacement card being in the mail on XXXX. ) I WAS NEVER CONTACTED AFTER THE ORIGINAL CARD WAS ACTIVATED AND THE SCAMMERS WHO TAMPERED WITH THE CARD IN THE FIRST PLACE APPARENTLY DRAINED THE ENTIRE CARD. 

The CSRs on the phone insisted that I need to dispute the fraudulent charges and go through the standard dispute process. I have been through this process before and US Bank XXXX XXXX in their handling of these cases. The entire process takes about 3 MONTHS to complete. 

Before the call ended, the CSR I spoke with handed me off to an escalation agent, and that escalation agent indicate that an escalation manager would call me back within XXXX hours. I have not yet received a call from them six days later.
XX/XX/XXXX after 37 years of business I had to put my XXXX into Chapter XXXX bankruptcy. We were a XXXX. Suppliers and creditors that had personal guarantees I found a way to pay. CHASE would not except the bankruptcy and insisted it was a personal account even though they had been sending the statement to the corporation and was being paid by the corporation since XX/XX/XXXX. I tried to work with them. Sent letters. Had my attorney send letters, talked with them on the phone. They would not work with me even though the card was only used for business. When there reporting got to the credit rating agencies it was not possible to hold the high personal FICO scores we had prior to the Chapter XXXX on the corporation. We were turned down on lower interest rates for our home and it was very difficult to get new credit at all the first year. In conversations I had with there customer service they would say they new the card was used for business but they could not help me. They finally sent me a XXXX which made it income to me, but did not do anything to remove it from the credit reporting agencies. I feel CHASE did not operate in a business manner for this account and would like them to remove it from my personal credit report.
I feel the bank should have not giving me the loan if the roof of the house was not good. 

I bought a house on XXXX/XXXX/2016, the inspector that I got to inspected the house ( recommended by realtor agency ) told me the roof had about 5 years left, and I was ok with that. A month after I bought the house the homeowners insurance notified me that I needed to replace the roof or I was going to be drop from the insurance. Needless to say, I didnt replace the roof and the insurance dropped me, so I went to a different homeowners insurance but they also dropped me for the same reason. Now because I cant get insurance of my own, the bank picked a homeowners insurance on my behalf thats more than double. 
I feel the bank should have notice the roof of the house was no good even though the inspector said it had 5 years left and stop the loan process? 

Now I need to replace the roof which is going to cost me about {$13000.00}, my other option was to keep paying for a high rate homeowner 's insurance.
Called me about some debt collection, asked for someone I did n't know, harassing me for no reason. Calling from XXXX XXXX XXXX.
After my daughter left college in XXXX 2015, she began to receive a bill from Sallie Mae in XXXX. Fresh out of college, she was working part time but the bill she received was for XXXX. She immediately reach out to them for Income based payment. We have both completed financial states and they refused to adjust her payment. I asked several times for options and they refuse to give any. They told her her account would have to go to the delinquent status before they could offer options. After 30 days late, they called again and she requested options but to no avail. They call 7 days a week sometimes up to 6 times a day with no resolution. They refuse to give a direct number for contact. I finally got a direct phone number and have left over 6 messages to the person they told me could handle the account. They are refusing to talk to me now because I told them the calls are being recorded but yet they reserve the right to record on their end. When I call, they tell me that they can not speak to me because they are not giving me permission to record their phone call and they hang up. Someone accepted a pmt arrangement and deducted the 1st pmt from her account only to call back a week later and said the pmt arrangement was denied. Now they wo n't take our phone calls.
This auto finance agreement was paid in full over 15 years and I would like the content removed from my credit report.
I applied and was approved for a Wells Fargo mastercard close to a month ago. Since Ive received the card, Ive been unable to access my account on Wells Fargo website. Ive tried following the steps to receive my username and password multiple times. It does work however the Wells Fargo website states system is temporarily unavailable. I have my username and password. Its been like this since Ive had my card. I have called the credit card help line and at no point in the phone menu does it direct me to the credit card help desk. My problem is not solved through the automated menu.
I had a XXXX dollar bill on credit. I thought I paid it off and received a {$35.00} service charge. I paid the service charge but evidently it was a late payment so I was assessed another service charge. I thought I had the bill paid off. As of today I paid the {$110.00} dollars of service charges and late fees on my original {$2.00}. I tried to work with Home Depot Credit Services but they would not negotiate the fees. I canceled the card and have decided to never use Home Depot again.
My private student loans which were serviced by Navient fell into default when I wasn't able to make full payments. At that time Navient turned over my loans to XXXX XXXX XXXX a debt collector. Upon speaking to XXXX XXXX XXXX, I was able to negotiate with them a reduced interest payment plan if I paid {$400.00} per month. According to the letter they sent me I needed to make the following payments to get on the program {$200.00} on XX/XX/XXXX ; {$200.00} on XX/XX/XXXX ; and {$200.00} on XX/XX/XXXX then upon my receipt of the next {$200.00} payment on XX/XX/XXXX my interest would be reduced to 0.0010 % and would remain at that rate provided I continued with the agreed payments of {$200.00} biweekly. All of my payments were successfully processed and still my interest rate was not reduced. I spoke with XXXX XXXX XXXX in XXXX, XXXX and XXXX when I noticed each month the rate didn't change and they promised me each time the rate would change after the " next payment. '' I then called Navient who told me they could not help me other than to say they have no knowledge of this agreement and my interest rate was still 11.5 %. I called back to XXXX XXXX XXXX and spoke with Supervisor XXXX XXXX who also promised me they would fix the interest issue and backdate it. I spoke with Navient again on XX/XX/XXXX and they said the interest rate is still 11.5 % so I sent them documentation of the letter from XXXX XXXX XXXX to show proof of the agreement. I called XXXX XXXX XXXX today XX/XX/XXXX to find out they changed their name and the reps keep hanging up on me each time I tried to call. Navient has not responded back to me to date on the issue. I don't know what else to do. XXXX XXXX XXXX is still deducting the biweekly payments of {$200.00} from my checking account. Navient is processing the payments and each payment is going to interest nothing to principal balance. Meanwhile Navient is still positing to my credit that I am not paying on my loans. The mark is failure to pay each month. They have told me they will not stop the negative reporting even though I am making payments according to my agreement. Please provide assistance.
equifax had previously deleted the account labeled XXXX due to lack of validation on XXXX XXXX 2016 and recently re added it to my credit report without notifying me of this change violating the fcra
On XX/XX/2018, I received a letter in the mail from Synchrony Bank, Creditor, XXXX XXXX XXXX, XXXX, FL XXXX. When I opened it up I seen that it was a denial for a Walmart credit card that I never applied for. Wondering if someone had stolen my identity I nervously checked XXXX to see where and when this happened and there was nothing there! The reason for the denial was based on XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX and phone number XXXX. 

The reasons for the denial were : Insufficient Installment Payment History Date of Issuance of applicant 's ssn does not match date of ssn of peers Invalid phone number of applicant Time since most recent revolving account established is too short While looking online on XXXX XXXX I found that this company has been mentioned many times doing things like this to many others and this is where your name came up to file a complaint about this company. I have never filled out an application for a Walmart Credit card and my credit is good. I believe this company to be scamming Americans and wish that you would investigate them. Thank you.
In 2012 I borrowed money from Spot on Loans and paid them in XXXX months later. They did auto withdrawals from my checking and I have the bank statements for proof this paid. Now I am getting collection agency calls to collect on this same account or rather same date of service, and that is the only Payday Loan I made on this date of service.. phone number XXXX XXXX XXXX and another collection Agency last week from phone number XXXX, XXXX. I explained this account paid in full previously and they always send it to another agency. They not only call my number but have found other people in my family their phone numbers. So I ca n't block them. It was my miss fortune to have to borrow from a PAYDAY loan company but I paid it in full. Now it seems that was not enough. I want them to stop calling me.
I signed up for a load and this loan was transferred to Freedom Mortgage in XXXX 2015. 

Freedom MortgageXXXX.XXXX XXXX, IN XXXX have made over the course of the loan 12 additional principal-only payments of which only 2 had been applied correctly at the first time. All other payments were distributed as additional regular payments, splitting them intoRegular principalInterestEscrow for TaxEscrow for Insuranceonly the remaining amount was added as additional principal payment. After I noticed this the first time I was calling Freedom Mortgage to get this fixed and ask to ensure that this will not happen again. Now, 11 payments later, the issue became even worst as they now splitted the payment into 2 times a regular payment, and only applied the remainder as additional principal. 
Every single time I had to call and had to have the payments being adjusted. 
My complaint is regarding the practice used. It seems to me that they are collecting on the overpaid escrow amounts interest until the customer realizes the wrong distribution. Given my loan being not that large, extrapolated across XXXX ( if not XXXX ) customers, the money embezzled from either the customer or the banks ( how ever one looks at it ) amounts to a considerable amount. 
Based on my experience with Freedom Mortgage it seems to be done on purpose to extract as much money from each customer as possible. 
I for my part are not willing to provide loans to my mortgage company.
I received another letter in the mail today from XXXX XXXX regarding an account showing me owing XXXX to a company regarding a credit card of which I 've personally never have had, or in this case, someone opened without my consent and made one payment and then let the account go into collection in XX/XX/XXXX, and as the person mentioned on the phone when I called to dispute this claim she said it was charged off in XX/XX/XXXX and that due to the statue of limitations they can not sue for collection but will continue to report this until the matter is settled. This account is not even on my credit report.
Financial Freedom 'the reverse mortgage specialist ' has been giving my XXXX-year old mother the run-around for the last three months since she notified them she vacated her home with a 'no fault ' home equity conversion mortgage ( HECM ) , in trying to complete Financial Freedom 's 'streamlined ' deed in lieu of foreclosure process. My mother is on an extremely limited income and can not continue paying for this property while Financial Freedom gives her the run-around in trying to complete the process. Financial Freedom has placed a lock box on the house and told us we can not access, yet they refuse to complete the deed in lieu of foreclosure process and they refuse to tell us what the next step is to complete the process of getting this HECM reverse mortgage/home out from under my mother 's name and responsibility. SHE HAS VACATED THE HOME! As of now it 's completely stuck in Financial Freedom 's limbo and every time we call customer service and that department to speak with a manager or the specialist handling the account they say that everyone is a meeting or on break or on lunch and will return our call but a manager or supervisor NEVER calls us back. Every time we call, we get a different answer where the deed in lieu of foreclosure process is at and no one can tell us what the next step is to complete or what is needed to complete it. They are intentionally trying to delay the process and even an email from their legal office says they are purposely delaying for an unknown reason. Please help. My XXXX year old mother is losing her faculties and health is failing. This predatory and deceitful practice by Financial Freedom is taking its toll on her health and her finances. I have power of attorney for my mother and her estate and have provided that to Financial Freedom already. PLEASE HELP US.
I had a checking account with USAA and insurance. I had trouble paying my insurance, but when I tried to handle the situation I was dismissed from the company due to Bank fraud from XX/XX/XXXX. I had been with USAA and paying my insurance and all, but never contacted or emailed or even mailed a letter on bank fraud ever happening to my account. I tried to speak with customer service and fraud prevention as well. I was always passed around and put on hold for hours. I was told to contact the company in three days. I never could get any information on the bank fraud and why I was dismissed from insurance and USAA altogether. This year XX/XX/XXXX, I received two XXXX in the mail from USAA, and I found out that they are claiming I have received funds from them in the amount of {$980.00} and {$1900.00}. They also checked on the form I was personally liable for the debt and I had no clue I had any debt with the company. The only information the bak can tell me is that the fraud was done in XX/XX/XXXX. I did not find out about the fraud until XX/XX/XXXX, when trying to figure out what happened to my insurance claim and why I was dismissed from continuing business with the company. I am filing this complaint because this was not handled properly or even investigated by the bank.
I applied the XXXX XXXX platinum credit card on XX/XX/XXXX and the the policy described that I could earn XXXX Membership Rewards points after making {$3000.00} in purchase in my first 3 months. I had met the requirements ( spending at least {$4000.00} except the annual fee ) and obtained the XXXX Membership Rewards points one month ago, however, XXXX XXXX removed my XXXX Membership Rewards points on XX/XX/XXXX.