WillisBack/dataset-financial-user-claim huggingface dataset:
hello i sent in a copy of my police report and signed and notarized affidavit to all 3 credit companies now over 30 days ago only to get no response they are claiming they have not received it yet i have conformation of receipt from all 3 of them my identity had been stolen and someone was assuming my identity for years and finally when i went to do something about it they told me to ge a police report i got a police report and sent it in and nothing the information is still reporting please help me the only thing they did do was place a fraud alert on my report.that 's how i know that they did receive it
A New York state Tax Warrant was issued to my husband and I on an amount owed that was still in dispute. I paid the full amount even though it could ultimately end up less money in our favor. I paid the full amount because it appeared on our credit report in our " public record '' section - lowering our credit score and making it almost impossible to get a loan. Our daughter is going to college in the fall and we need to secure a loan for her before then - this is a nightmare - please help.
On XX/XX/2018, I recevied a letter from XXXX XXXX, showing that my account with them was paid in full. XXXX XXXX, the Assistant Manager for Customer Service Department of XXXX sent the letter to my email. 

However, on the Equifax Credit Reporting System, XXXX continues to show that I have a late pay, ( which I don't ), and they show me 30-45 days delinquent although I have made past payments on time and paid the balance off completely. 

Each day this stays on my credit report, the days delinquent increase. I have contacted them and discussed the situation with them, it continues to remain on my report. This also has an impace on my credit score, causing it to drop. 

Equifax has also locked me out of my account but I can not get assistance with this over the phone with Equifax. The lock out is due to me perhaps answering one of my security questions incorrectly. So at this point I can not get in to see the details of my Equifax Report. The reps at Equifax do not speak clearly on the phone therefore it's difficult to get anything resolved. This dispute continues to go on and on eventhough I have paid this account in full.
On  XX/XX/XXXX  I made a deposit of {$4800.00} in the ATM the receipt said funds would be available in 2 business days. In 2 days it was not available. I went on line and it had a hold until  XX/XX/XXXX . I contacted the bank they said the check was not endorsed so they had to wait for the funds to clear. I contacted the individual who wrote the check. He said that the check cleared his bank on  XX/XX/XXXX . I contacted the bank they said it did n't matter they could change the release to XX/XX/XXXX . My business is suffering because I ca n't order the parts  to build   the    XXXX   that were bought with that check. The release date is after the date the   XXXX   is to be completed which means I will have to refund money that I have no access to. The bank has no right to hold money from me that they received the day after the check was deposited. There are fees on my account because there are things trying to go through because of funds are not accessible. This is not the first time this has happened.
On XX/XX/XXXX, Wells Fargo withdrew a total of {$1000.00} ( 2 transactions ) from my account as an intial deposit for a checking and savings account. 

The money was withdrawn from my account, but no one at Wells Fargo knows where the money went. I spoke with several reps and filed claim number XXXX. I was told that I will receive the funds back into my account in 24 to 48 hours. I am getting the run around. 
On XX/XX/XXXX, I asked to speak with a manager and was connected to XXXX Employee ID  XXXX. She stated that she was a manager and would not give her last name.
I applied for a loan online and in person by speedycash multiple times but did NOT recieve ANY money. This is a very bad misrepresentation by this firm and they are helping aid XXXX in further retaliating to a wrongful termination and equal employment opportunity commission investigation along with a human rights act. This firms main concern was to find out if i have defrauded the government by collecting social security when i am clearly able to work. speedycash I have used a time or XXXX before and now they only are concerned with aiding and abetting a criminal business owner in depriving a qualified candidate with a XXXX of his equal employment opportunity he is afforded under the USA constitution by further aiding and abetting a local business owner in retaliating to a district judge 's order.
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXOffice of Consumer ResponseConsumer Financial Protection BureauConsumerfinance.gov ( XXXX ) XXXX ( XXXXREFERENCE : Select Portfolio ServicingXXXX XXXX XXXX XXXX, XXXX XXXX Number : XXXXAccount Number : XXXXDear XXXX XXXX : Selected Portfolio Services is my mortgage servicer. I have entered dialogue with this servicer due to the following : In 2015 I received approximately {$5000.00} in funds that had been held back in error when my loan was transferred from XXXX XXXX XXXX to Select Portfolio Services. 
During this period SPS reported late payments and other derogatory information to the credit agencies. This has damage my credit and made it impossible to receive mortgage financing. I am requesting compensation. 

SPS escrows my taxes. SPS failed to calculate the taxes required and did not make a tax payment on time. This causes the local county to place a tax lien on my property. 
This contributed to my poor credit rating and credit distress. 

My original mortgage was with XXXX. I was living overseas at the time : This mortgage had undisclosed PMI insurance. 
The mortgage was uneconomic in that the annual mortgage P & I is less than the property taxes. This was not disclosed. 

SPS modification was simply fraud : The modification decreased the monthly P & I from the original {$2700.00} to $ XXXXThis modification on a payment basis is insignificant and does not provide relief. 
I like for this mortgage to be exclude for in favorable HAMP reporting and financial benefits. 

I have had the house on the market over the past modification. The P & I to Property Tax ratio push buyers away. I will need a principle reduction to {$750000.00} to make the home attractive to buyers and fair to me. 

SPS has placed PMI insurance of my HAMP loan which was undisclosed to me. 

Please help. I am XXXX now and would like to remedy this due to XXXX. 


Sincerely, XXXX XXXX, XXXX
The amount of the debt was extremely escalated. When I asked them to show me proof of the additional amount, they were not able to. I attempted to pay what my lease states that I owe and they completely ignored me. 
The debt in question is a result of normal wear and tear from living in an apartment. Also, there was prior damage when I signed my lease. 
I sent certified letters to all parties trying to resolve this issue. All parties ignored me.
theres tons of credit cards on my account that are not me i dont know who has my information and i dont know how to go about this
I was n't sure how to describe the issue but in my words the way the debt collector Centron Services out of XXXX Montana served me the debt was in my eyes very unprofessional of them. On XXXX XXXX 2016 XXXX XXXX a process server with centron services trespassed into my home to serve me. I notified him that he was trespassing and told him to leave my residence. He continued to argue with me that the courts told him he could trespass into my home to serve me. I had a posted no trespassing sign affixed to my home and notified him that for any purpose trespassing is not allowed. I filed a police report with the local sheriffs office where I was told there 's nothing they can do because trespassing is a gray area. When I talked to the judge whom signed the order she stated that yes it was criminal trespassing and that I should let Centron Services know about the issue. Upon calling the company I ended up speaking to a XXXX XXXX whom is manager and explained the situation to her she asked for some basic information such as the police report number and whom I spoke with, which I was more than accommodating and gave her all the information she asked for to which she blatantly said thank you and hung up the phone on me. About 3 weeks later I received a piece of mail from Centron Services that stated I did not contact them and I would be in default judgment because of not contacting them about the debt. The way I see it is the company broke the law to get a debt from me and did n't get any recourse action because of it. And deceived me by not calling me back or notifying me that because I did not discuss the debt I therefore did not contact them. This was a very deceitful way they collected a debt from me.
XXXX, XXXX, XXXX  XXXX attempts to collect from XXXX individuals with federally protected, exempt funds.
on XX/XX/2016 somebody broke into my house/office and stole my checkbook and wrote several checks but XXXX were cashed by the bank, I informed the bank about it but they insist I have to pay those checks, those check do not have my signatureThe bank is chase, my account # XXXX chase phone # XXXX
RE : Home Depot Credit Card by Citibank. 
Everyone has been covered up with request to convert to paperless statements. What I learned today from Citibank was when you do this you are automatically removed from account alerts. Thus a charge of {$23.00} becomes {$120.00} when the late fees are piled on. Contacting them via phone, I was advised that they would only be able to remove XXXX of the XXXX late charges.No supervisor was able to address my complaint regarding the blindside from this company. I can only surmise that the reason for stopping account alerts was to increase punitive fees and increase income for the bank. I hope that this issue gets to class action status and the crooks will be forced to find another sneaky way to rob their customers.
Hello, Why my referral is ineligible? 
We checked all your Terms and Condition! We met them all, both account met all conditions! 
Please credit me and the person I refereed to each {$10.00} investigate and escalate the matter! 
We need to get what we were promised and offered! 
thanks
Hello, We are trying to avoid foreclosure at all costs whether its through a modification or a deed in lieu. The servicing of our loan was recently transferred on XX/XX/XXXXto Selene finance from XXXX. We have been sending all requested information to XXXX prior to the transfer with no response only for XXXX to tell us this week that they can not answer any of out questions any longer since Selene is the servicer as of XX/XX/XXXX. We called Selene finance all week and they have sais they do not have the file in the system yet to help or answer our questions. I advised them that the letter says it transferred onXX/XX/XXXX and the sale date isXX/XX/XXXX and we don't ; have much time. the reps at Selene have been telling us that it might take another week for the loan to be up in their system to help us. I told them that will be too late. They didn't seem concerned or willing to help. they told us to call an attorney or the previous servicer which already told us they do not have the file. We attached the transfer notice. Reason for default was due to one of the borrower 's XXXX. We are now financially stable after the hardship and are looking for a modification or a deed in lieu to avoid a foreclosure on the credit report. Apparently the banks need time to review the docs but know one is willing to help answer questions since the file is not in their system yet. Who can help us. We are desperate and in need of guidance. XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
XXXX XXXX XXXX XXXX ( XXXX ), without my knowledge or consent, transferred a credit card balance to my XXXX savings account and created an Installment Account, i.e., Account # XXXX, under my savings account, without my knowledge or consent. Thereafter, XXXX XXXX XXXX XXXX began sending account information, notices, and loan payment coupons to the wrong mailing address wherein I did not have access to any of the information. 

Per my credit report, XXXX listed the type of account as " Individual/Applicant. '' Per the credit report, the Status of same is : " Closed, Account Closed by Grantor ; Installment. '' I did NOT apply or enter into any Agreement with XXXX to have them transfer anything to my savings account, particularly not a credit card balance. I just recently discovered what XXXX had done when I contacted XXXX to obtain copy of recent statements I was affiliated with. To my surprise, I was told that my savings account had been closed/membership terminated and a loan had been " written off. '' XXXX has refused to allow me access to Online Banking and/or bank statements relative to any of the accounts I am affiliated with at XXXX. According to my credit report, XXXX reported that I had opened an account with them on XXXX/XXXX/XXXX, with the last activity on XXXX/XXXX/XXXX. The information XXXX provided the credit reporting agencies is false and/or inaccurate because I did NOT enter into any Agreement with XXXX relative to a new Installment Loan or any account that opened on XXXX/XXXX/XXXX, nor did I have any knowledge or awareness regarding such account being created by XXXX.
I purchased a used car and purchased Gap ins also. When the car was totalled, Capitol one wanted me to pay the remainder of XXXX. I told them I had Gap ins. and they replied that I had tp pay them first and get re-in=mbursed. I refused. They then said I had late charges to pay and that was XXXX. They lied, car was all current, they then said i owed the XXXX ... for what I do not know. I will not pay since insurance was supposed too. It has been over 7 years and they still haveit on Credit Report.
XX/XX/XXXX received discharge of debt. XX/XX/XXXX XXXX intercepts my taxes claiming it was for past loans and XXXX. Even though they sold this account to Harris and Harris in XX/XX/XXXX according to their records I was never notified that I owed a balance to XXXX or any other fee.Therefore not allowing me time to dispute or address any issues.Central collection then sells debt to Harris and Harris an independent collection company. They both was trying to collect the same amount of money.After providing proof of the error XXXX lawyer refuse to speak to me and the employee lawyer refuse to answer my call and address the issues at hand.I have continuously received bills stating the bill is for something else and I continued to dispute all bills..After contacting Harris and Harris and informing them that this debt was discharged they continued to contact and threaten me in regards to this discharged debt.As of today I have not received any remedies from the collection company. I have also requested additional document in which they refuse to provide.These companies have reported to the credit bureaus that I do n't owes these monies in XX/XX/XXXX but continue to try and collect the same monies they stated I do not owe.
I ran my credit report via XXXX XXXX on XX/XX/XXXX. On Transunion report there was a hard inquiry from XXXX which apparently occurred on XX/XX/XXXX .I called the phone number listed on the inquiry and spoke to a rep which ran my social and said there was no inquiry made they had no information pertaining to me. I then called Transunion and was told they could only remove the information from my report if I submit a deletion letter from the company who made the inquiry I told them XXXX said they have no info on the inquiry in question then was told to have them mail me a letter stating they have no information or account with my information. I called back to XXXX   and was told since there is no information they can not send me anything in regards to the inquiry however the rep I spoke with said she can guarantee there is no account and no inquiry with my information I said well if you guarantee it I will be needing a letter stating that so I can remove this from my credit report. I was told again no letter can be giving being there is no account info or inquiry on file. All I want is for this inquiry to be removed from my credit report.
My Perkins loan is managed by XXXX XXXX. On XX/XX/XXXX attempted to get documentation of my partial loan cancellation, which was allegedly approved in XX/XX/XXXX. While my current balance on the website matches with the partial cancellation, my most recent statement is from XX/XX/XXXX and reflects the old balance. Customer service stated that they do not provide any documentation, including loan verification. Customer service also stated that I would not receive any loan statements while my loan is deferred. Therefore, zero documentation exists to support my current loan balance. Providing loan verification is a basic loan function ; for example, XXXX readily supplies automated loan verification documents. No such function for XXXX XXXX exists, and their customer service refuses to supply any documentation. Loan verification is required for various processes, including taxes and mortgage approval. Because XXXX XXXX will not provide verification of my loan, I am unable to apply for a state tax credit related to student loans.
I made arrangements with XXXX bank that during the months of XXXX through XXXX I would pay XXXX per certain months that my account would be listed as current. This is in regard to credit card XXXX XXXX XXXX XXXX my account should be listed current XXXX through XXXX XXXX. I called XXXX and they agree and told me to dispute this my email address is XXXXXXXXXXXX phone XXXX please reach out and tell me what I need to do
I had a foreclosure on my home in  XXXX .  XXXX  reported it on my credit in  XXXX   XXXX . The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not.  XXXX   XXXX    XXXX   contacted  XXXX  telling them this debt ( charge-off of {$35000.00}  ) w as too old and needed to be removed. They refused to remove it, stating we had made payments in  XXXX ,  XXXX  and  XXXX  of that  year (   XXXX  ). We were unable to purchase a home due to their fraudulent claims.     I disputed it with  XXXX  and thankfully they removed it. I have tried to dispute with  XXXX   (   XXXX   XXXX   ),  but  XXXX  reported we never missed a payment from  XXXX  to  XXXX  and we make payments on the loan every  3-4 mon ths. They have not reported to Experian any payments received by me, but the total amount is still on that report.     We have received settlement opportunities from  XXXX  in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from  XXXX , how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in a  7-year p eriod to upload for this claim, we are asking that  XXXX  show " proof '' of my supposed payments to them.     At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible.     Thank you so much for your time with this sensitive matter. We would greatly appreciate any help.     Sincerely,  XXXX
Pro Collect XXXX/XXXX/XXXX XXXX XXXX XXXX Apartments These apartments are falsely accusing me of XXXX when I moved nothing was owed an the apartment was clean. I have received calls from pro collect with rude services trying to make me pay a debt I do n't not owe
I opened SunTrust savings and checking accounts onXX/XX/XXXX When opening it, I transferred {$50.00} to the checking account and {$5.00} to the savings using the debit card of another bank. 

The balance of both SunTrust accounts was {$0.00} untilXX/XX/XXXX. Once the funds had finally been transferred, I used the checking account to send two small XXXX payments to my roommate. 

On the evening of XX/XX/XXXX, I attempted to log into SunTrust 's online banking system. A message appeared stating that my account had been locked and that I should contact a customer service representative for assistance. Upon doing so, I was told that both of my accounts had been terminated due to a violation of the SunTrust Rules and Regulations ; however, neither the original CSR nor  her supervisor would tell me the specific reason for the closure.

Then I was told that I would have to wait around two weeks to receive a cashier 's check for the balances that were in the accounts when they were closed. I asked if I could go up to a SunTrust branch and receive my money that way, and I was told no.
I received a letter via US Postal Service from " Big Picture Loans '' on XXXX XXXX, XXXX stating that 1 ) I borrowed {$1000.00}, and 2 ), I owe {$950.00} in interest. Also states they have sent me multiple notifications regarding delinquent payments. I attached a copy of the letter to this complaint. 

I have never entered any business agreement with them. I have never borrowed money from them. I have not received any prior notifications. This appears to be an official document, and a search of the internet does have them as a payday loan company with various prior names and a very bad reputation. I did not log onto their website for fear of this being a scam and/or a front for infecting my computer with a virus. For the same reasons and based on their lousy reputation I did not contact call them nor send an email. 

Big Picture Loan 's address is : XXXX XXXX XXXX XXXX, MI XXXX Phone number : XXXX email : XXXXXXXXXXXX XXXX URL : www.bigpictureloans.com
In XX/XX/2017 I used a convenience check in the amount of {$2200.00} from XXXX XXXX XXXX XXXX card that offered 0 % interest if paid back in full in 12 months. The balance I owe on the convenience check is {$2100.00}. In order to pay it off timely I needed to pay {$270.00} per month until the expiration of the promotion. In addition I need to pay on my non-promotion balance. The minimum payment on the non-promotion balance is {$45.00}. So I made 2 payments {$45.00} + {$270.00} and called requesting that they apply {$270.00} to the promotional balance. They refused saying my non-promotion balance needs to be paid in full before they will apply any payments to the promotional balance. 
I have used the same promotional offers from several other credit card companies over the years and have paid them off the same way by making the 2 payments. I've never been required to pay the revolving balance in full before applying payments to promotional balances. I even paid the same type of promotion off on another card as recently as this week. 
I feel XXXX XXXX is abusing the offer so they can penalize me by requiring me to pay the full interest on the promotion.
They will not release claim after debt was paid in full by me for my deceased mother, XXXX DCM Services DCM Services Headquarters XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, MN XXXX Local : XXXX My name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXXXXXX XXXX
Im a victim of a Toxic mortgage i have a change of circumstance XXXX Veteran I have medical hardship ocwen failed to apply payment on time putting me in default denying me the a hamp modification relief that i am eligible for lost documents -improper fees preditory lending practices - providing false or misleading reason for denial of Hamp modification
I had XXXX XXXX loan and it was sold to NationStar Mortgage and they converted it to a non XXXX XXXX loan 40yr interest only, and I have been trying to refinance and no one will touch it because I am {$45000.00} upside down. I thought that if it was XXXX XXXX it had to stay that ' way even if it is sold to another financial company? HELP!!! Please. 
Thanks,