WillisBack/dataset-financial-user-claim huggingface dataset:
I entered into trial payment plan to modify my loan. I submitted payments on time as specified  by 5/3 Ba nk. However my  XXXX  payment was returned because they stated I had not paid my trial payments. My local bank manager  XXXX   XXXX  and I called to te ll Loss Mitigation Department that I had paid and had proofs of all payments. We were then told that Loss Mitigation could  not see the payments on their computer.     I pers onally called and with the local bank faxed over copies of my certified checks and 5/3rd bank receipts to Loss Mitigation    XXXX   XXXX  ,2017. I 've had several calls to verify they received verification of payments that should already know about and to restore my modification.     This has been an oversight by the servicing b  ank 5/3rd. They have not fulfilled my modification and restored my loan and made any corrections to credit reports.
They have acknowledged receiving verification fax but have n't ' fixed their oversight. It was acknowledge through phone call 2 weeks ago.
I have been given the run around since I started repaying my loans. I have trouble affording them at all, but I pay just over what I have to in order to pay towards the principle balance. When I called the loan company last time, they told me that the total amount of loans I owe has actually gone up. Which either means they pulled something funny, or they increased my interested without notifying me. They also told me that I could lower my payments by doing an income based plan, but when I applied, it actually tripled my payments. They had entered all of my information inaccurately when they initially gave me the information. Also - when I first had to start paying my loans back when I got out of school, they never notified me that they were due. I was months late, which I could only imagine what that did to my credit and gave me in penalty fees. I could go on and on regarding the issues I have had.
I submitted a complaint already XXXX. I have been trying to get my cosignor released. First they told me I didn't make 36 consecutive payments and sent me a denial. Then after I contacted them they realized they were wrong and had to resubmit the form again stating that us citizenship was not checked off. I then was told they could take it verbally and the a letter stating it had to be resubmitted again. 
I then receive a letter dated XXXX stating I meet the eligibility of cosignor release. Then on XX/XX/12 I receive another denial letter. This has been going back and forth with stating it will be then it won't be. I hope the cfpb will look at this and agree that citizens stated the cosignor should be released and process this with out any more issues.
US Dollar Wire transfer held due to OFAC COMPLIANCE INVESTIGATION. 
XXXX, XXXX I would expect a delay related to this investigation, but I would also expect due diligence and expedite answers from banks involved in this wire transfers. 

I have communicated to my bank Chase about this transaction delay, and requested to notify the beneficiary recipient of this wire transfer delay. Chase communicates through on-line security messages which delay one or two days for answers, and XXXX XXXX  customer reply back in two or three business days. Also when I call XXXX XXXX customer service resplied that following security and privacy policies refused to notify the beneficiary of the wire transfer dalay, even I am not requesting any information they refused to notify its customer. 

The date for wire transfer transaction was XX/XX/2019 for {$1000.00} US Dollars. 

Today is XX/XX/2019 and I am still in the limbo of when the funds would be released or about the transfer status. 

My account : JPM Chase Account XXXX Recipient Bank Bank - XXXX XXXX Company name : XXXX XXXX Acc # Number # XXXX Routing Number # XXXX
I went on line for a free credit report from Experian and bought a credit score for {$4.00} with my debit card. Then they started charging my debit card {$19.00} for 2 month now. I think this was a trick. Is there anything I can do? That was {$40.00} I do not have ...
today my spouse who has authorization to speak on my account has been requesting to speak on a non recorded line which is our right in massachusetts today called in again and request was made and said they would get back to us.THIS IS THE SAME LINE MONTHS AGO CARRINGTON GAVE MY HUSBAND.WHY IA NOT BORROWER OR BORROWER REP BEING AFFORDED THAT RIGHT.CARRINGTON BY NOT ALLOWING TO SPEAK ON NON RECOEDED LINE IS MAKING IT LOOKLIKE WE ARE NOT IN COMMUNIQUE WHICH WE ARE.ALSO IT SEEMS THERE ARE MISSED CALLS BY CARRINGTON AND THEY ARE NOT LEAVING MESSAGES SO WE DONT KNOW WHO TO SPEAK WITH, THEY SEEM INTENT TO FORECLOSE AND HAVE TRIED LOOKS LIKE THEY ARE TRYING TO PAINT BORROWER IN A NON COOPERATIVE LIGHT. ALSO A XX/XX/2018 LETTER WAS CONFIRMED RECEIVED IN REGARDS TO A PAYMENT PROPOSAL BUT NO RESPONSE
In XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX   assigned Bayview Loan Services to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XXXX to present. 

- I have explained my concerns and offered my criteria to Bayview. Bayview, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 
- Personally, I have contacted by phone many times Bayview Loan Services in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with Bayview and either the 3 credit  bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. XXXX
XXXX XXXX account through XXXX XXXX. I made a Special Arrangement to Close my account, and pay {$10.00} a month. The agreement was : it will not affect my credit report, no fees/interest. I called them because when I pay {$10.00} a month, they are asking for {$40.00}. I now have a past due amount of {$30.00}. My credit report shows late payments. This is not what I agreed to! I was promised, " do not worry '' it will not affect your credit, we will close your account, and you just pay {$10.00} a month ''. So every time I call in a payment now, they are badgering me for {$40.00} payments and say they don't see anything regarding not reporting to credit agency. All their calls are recorded! Please please help me with this, as it's affecting my credit. I was scammed. Initial arrangement was made with a man. I have called and talked with them about this, but argue. The payment plan is on file, and All their calls are recorded. Please please help me with this! This is affecting my credit and upsetting so badly. Thank You
On XX/XX/18 I found out I owe Nationwide Recovery Systems {$900.00}. I called them XXXX, the number reported on my credit report, I spoke to an agent to settle the debt. I settled for {$540.00} and asked for a letter sent saying the debt was settled. The agent stated yes but only sent me a receipt. I called back spoke to the agent again and he said he cant send me the letter until 30 days. I said I wish to speak to a supervisor but he placed me hold brought on a supervisor who sounded a lot like the original rep. The supervisor said I have to wait the 30 days but if I want it now I have pay the full amount. I explain that was never explained to me, I explain I need that letter but he said pay the full amount and if I keep up this attitude then they wont settle my debt. I stated im going to report them to the CFPB and they said maybe they can do it in 10 days but to call them at XXXX and ask for XXXX XXXX. also he refuse to escalate my issue
TransUnion received court documents that a judgement they reported on my credit was not mine yet, they have not removed it. They did verify that they received this information from a 3rd party not the court and it would be removed. This was over 60 days ago. They are reporting a collection from XXXX. They DID NOT VALIDATE the debt!!! but sent a little XXXX digit code to verify and received a XXXX digit code back. This collection belongs to a business not me and that was verified by the original creditor. They also have removed these from my husbands report but not mine
My Housing Counselor called the Lender to assist me with funding to reinstate my loan and they hung up on her. She called the same number found on the Mortgage Statement XXXX and the automated system said they were a Company called XXXX. I gave her 2 numbers that I had dialed on my cell phone XXXX and XXXX and they came up as XXXX as well. We reached a Rep and she said that they are like XXXX, information number. I dialed the same numbers on my cellular and reached Customer Service for M & T and my Housing Counselor was then able to get information about my loan.
I filed a complaint With CPFB on XXXX ( XXXX ). Not only did they not address the issues I presented in my complaint, National Collegiate Trust revised my report to add even more incorrect derogatory information. They now show that this student loan was a charge off. This loan was NOT charged off. On the contrary, this loan has been PAID AS AGREED since its inception. It is impossible to get in touch with National Collegiate Trust. The number they have posted on my credit report ( XXXX ) is not actually the number for National Collegiate Trust. It is the number of the services of the loan ( AES ) and AES told me they have nothing to do with this loan anymore. They gave me the following number to call : XXXX. This number just asks for you to leave a message. I left a detailed message but I am quite sure I will never hear from them. This loan should not be reported as a chapter XXXX wage earner payment plan - my chapter XXXX was discharged. There is NO payment plan with National Collegiate Trust, only my regular payments that were made and loan was PAID OFF. There should not be any derogatory information about this loan on any of my credit reports. If they can not get it right, then they need to remove it altogether.
Hello, I have been making payments to this creditor, XXXX. I received a statement dated XX/XX/XXXX which stated my payment of {$25.00} was due on XX/XX/XXXX. I made a payment 6 days later on XX/XX/XXXX, which they show receiving on XX/XX/XXXX. They told me they reported the account to the credit bureaus on XX/XX/XXXX, XXXX days later. Why am I getting reported as delinquent if it was not even 30 days delinquent? I made the payment 6 days after the due date. 
I also received a statement dated XX/XX/XXXX which reflected my new balance, which stated my payment due date of XX/XX/XXXX. I made a double payment of {$50.00} that time on XX/XX/XXXX. 
Today I called the company and asked what was going on and the lady said that they have held the account since XXXX and they did in fact receive my payment of {$25.00} on XX/XX/XXXX and then did report my account on XX/XX/XXXX. I asked since this is an error if it could be deleted, and the lady told me no. She also told me that it was set up as a hardship payment and that was only good for 3 months. They did not tell me this when it was set up nor did they send me any other letters stating we needed to redo the payment plan etc. I was not aware of that and they did not make that known. You will see on the last statement I received dated XX/XX/XXXX ( payment due XX/XX/XXXX ), it says " for your convenience we have established the following payment arrangements : monthly payment amount {$25.00} and due date XX/XX/XXXX ''. So I have been just following that arrangement. 
I am trying to get my house refinanced so I can pay off ALL of my student loan debt and this has completely trashed my credit score.  My mortgage lender referred me to you for help to get this fixed, because now otherwise I will have to wait like 6 months. I don't have that amount of time to wait! I need help. This was reported when I was not delinquent. 
I did in good faith pay off the balance of this account today ( {$520.00} ) because I was fearful of this happening again and also I no longer want to deal with this company. This is ridiculous and they refuse to fix it directly with me. They need to delete their error immediately. 
Please help!
I purchased a car from XXXX XX/XX/XXXX. At that time I set up auto pay for my loan. In XXXX of the same year, I started getting calls from my salesperson re : the need for additional bank statements. XXXX is the bank, so I called the bank and they stated they needed no further information. 

I have made no late payments, but they reported me late XXXX of this year due to XXXX XXXX  reversal of all duplicate payments. 

I called numerous times to resolve the discrepancy to no avail. 

Just this month I paid my payment at XXXX. I gave them the account # XXXX, given to me by the collections department this past XXXX where they also had me pay several late payments. 

I learned this month that thst is not my account # at all. My account # is XXXX. 

No payment history has been provided to me as requested.
I am again requesting proof of a contract between Immediate Credit Recovery INC and myself, bearing my signature, of a loan that they provided to me. If that information is not provided with the next response. I will turn this case over to my attorney for further action. What I have been provided is a validation. It is a print out on a word document. 

I am requesting copy of the original written agreement between Immediate Credit Recovery INC, such as the loan note or credit card agreement, preferably signed by me and a representative of the company. 
I am demanding a bill of sale, an assignment, or a receipt between the last creditor holding the debt and Immediate Credit Recovery INC. 
You must return all copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt or I will turn this matter over to my consumer rights attorney.
I have XXXX credit inquiries on my Transunion credit report that are not only unauthorized but I have never heard from the companies. I have contact the companies who say they have contacted Transunion to remove these inquires and they have not done so. Transunion refuses to help me and continues to deny all disputes I have made on this matter. The inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-XXXX XXXX
On XXXX XXXX, 2015, I noticed a fraudulent charge from XXXX XXXX in the amount of {$94.00} on my checking account with Bank of America. I went in to my local banking center and talked to a private banker. He assisted me to cancel my debit card, in addition to filing a claim and told me that the next day the funds should be returned to my account. The funds were credited back to my account the next day as I was told by the private banker in the location. All was corrected and no harm was done ... so it seemed. 

Then on XXXX XXXX, 2015, I noticed another charge on my account for the same amount of {$94.00}. I called customer service and they told me that the claim had been denied and claimed that they could not tell me anything more. I was then transferred to the fraud department after being put on hold. Finally the representative from the fraud department informed me that the claim had been denied and that the fraudulent charge had not even been posted to my account. They had deleted the entire transaction and any records of it from my account. And they would not assist me in informing me as to why the whole charge and records had been wiped. 

Next I was told that I would have to go through XXXX XXXX in order to get my money back. I called the customer service there after doing a quick search on XXXX to obtain it and they told me that they could not find the order that was fraudulently placed on my card when they searched for it using my name and zip code. I was then transferred to their corporate offices. I spoke to XXXX there and he told me that he would need my card number in order to search for the order. 

I had to call the bank again to obtain the card number. Then I called customer care back at XXXX XXXX and the representative refused to transfer me back to corporate. They told me that they could not locate any trace of an order ever being placed with my card.
I received check my credit, and noticed a medical collection was being reported on my credit report by  North American. I never received anything from North American r egarding the collection account, and when I have requested they verify the information is actually mine and accurate they have never responded to my written request which I sent to them directly at  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX .
I took out a variable rate, interest only loan with a first and second mortgage with little verification in XXXX of 2007 with Chase Bank. The first mortgage has an interest rate of 7.65 % and the second mortgage has an interest rate of 12.375 %. This house has been underwater from the beginning and I have made several attempts with Chase to refi my home to a fixed rate. They refuse to help. I can not refi this house and I can not sell it due to the loss in value. Right now, my only option is to walk away. I have never missed a payment, and in 8 years I have n't reduced the loan amount at all.
My wife and I do not have ANY accounts with Wells Fargo. However, they keep calling our numbers despite being told multiple times in the past several months that our numbers are listed on the do not call list and are unlisted/unpublished. We have also told them multiple times to stop calling us and to remove our numbers. Obviously they have not done this since we still get calls. Every time we get a call from XXXX it is a live person that says they are trying to collect a debt. As mentioned, we do not have a debt with Wells Fargo and this is just plain harassment! We have filed a complaint with the Do Not Call registry and will be following up with the Better Business Bureau as well as the FCC to report Wells Fargos continued harassment activities. Tonight, I spoke with a supervisor, XXXX XXXX, that assured me the numbers will be removed. I informed him that I would be filing a complaint with the Do Not Call registry as well as any other applicable agencies. If this harassment does not stop we will pursue other legal action against Wells Fargo. This complaint process asks for my information as the borrower but as I am not said person the contact information is skewed. This is so that my personal identifiable information is not divulged unnecessarily.
I called  XXXX  twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
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The following inquiries should not be listed.
  XXXX   XXXX    XXXX , PA   XXXX    XXXX / XXXX /17   XXXX   XXXX  .  XXXX  , NJ   XXXX   which is also showing twice within 30 days.  XX/XX/XXXX  and  XX/XX/XXXX .
InXX/XX/XXXX I XXXX XXXX started work at XXXX XXXX XXXX. During the first year of work I applied for the Public Service Forgiveness Program through XXXX XXXX XXXX. During the application process I was asked to have my employer fill out forms stating that they were a non-profit organization. These forms were sent to XXXX XXXX XXXX  who also reviewed application and approved it. I worked at XXXX XXXX XXXX  from XX/XX/XXXXto XX/XX/XXXXand within those calendar years I consistently paid the amount that was set by XXXX XXXX XXXX. OnXX/XX/XXXX I received a letter in the mail stating that all of my qualifying payments while I was employed at XXXX XXXX XXXX was being revoked and approval reversed. I called in to XXXX XXXX XXXX to inquire on why I was being notified 8 years later that XXXX XXXX XXXX   was not a qualifying facility. I spoke with a initial service rep who was very polite and sympathetic towards issues. She then transferred me to a Public Service forgiveness program manager who was not in any way shape or form polite nor understanding. I then began to explain the situation to her. I followed up by saying this process requires approval by XXXX XXXX XXXX and XXXX XXXX XXXX. I asked how did they miss this for 5 years. She then stated " Sir I was not the one taking care of or approving this loan program. If you could have that employer write a letter stating that they are non-profit then we would review it. '' I then said I get that, but the only one who is suffering here is me and my family. She continued to demonstrate no signs of sympathy or understanding. I then apologized to her, stating that if I sound rude it is not meant towards you. She said nothing and stated that I could send in my complaint via fax or online. Still no sympathy nor compassion from her. I submitted a application every year and XXXX XXXX XXXX  department continued to approve it. This is not right at all. XXXX XXXX XXXX and XXXX XXXX XXXX dropped the ball on this one and they need to own it. Customers should not suffer because they are not reviewing applications appropriately. 8 years are you kidding me!
Request card closed on XX/XX/XXXX and  as of XX/XX/XXXX card has not been closed. Card is still accruing {$34.00} a month payment. Card was not used since XX/XX/XXXX. Card was dormant in use for XX/XX/XXXX, XX/XX/XXXX and then in XX/XX/XXXX card still was not closed and billings still arrived, first asking for {$56.00}, and now {$95.00} in collections which is black mark on my credit report. 

Why would it take that long to get a deposit from a secured credit card, more than 6 months has passed since my written request. Representative advised that I pay off th {$95.00} and then I will be able to get the entire {$300.00} which is the amount I originally secured this card with. 

Please advise a resoluaiton to this problem.
CITI BANK CLAIMS THAT I WAS LATE MAKING A PAYMENT FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX OF 2017 IN REF TO ACCOUNT # XXXX. THIS IS FALSE! I HAVE ATTACHED COPIES OF CHECKS THAT HAVE CLEARED MY BANK, WHICH PROVES MY PAYMENTS WERE DELIVERED ON TIME. I ALSO HAVE PROOF THAT I MADE MAY PAYMENT ONLINE AND ON TIME!
CITI BANK HAS REFUSED TO MAKE THE NECESSARY CHANGES AND CFPB HAVE SAT BACK AND ALLOWED THEM TO DO WHATEVER THEY WANT. I SUBMITTED A COMPLAINT TO CFPB WITH PROPER DOCUMENTATION AND CFPB DID NOT TAKE ANY ACTION ON BEHALF OF ME, THE CONSUMER, BUT STAYED MUTUAL AND REFUSED TO STEP UP! I HAVE BEEN BATTLING CITI CARDS ON THIS FOR SEVERAL WEEKS AND I 'M PISSED AS YOU CAN TELL! I MAY HAVE BETTER RESULTS WITH THE BBB!