WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX of 2015, I called Sallie Mae to get an issue with a form squared away. My employer, the XXXX XXXX, offers a loan repayment program and Sallie Mae had not filled out a form that I sent them in XX/XX/XXXX. It had been 5 months. Because that issue was addressed, I paid form XXXX of my loans to be deferred until my form went through. The Sallie Mae employer told me the date that repayment would begin, XXXX XXXX, and played by the consent recording, where the date was played again, XXXX XXXX. I agreed and paid the {$50.00}. 
On XXXX XXXX, while trying to refinance my loans, I was told that my loan was in delinquency status because a payment was due in XXXX. I pushed the Sallie Mae employee on why this was changed without notifying me and that I and my XX/XX/XXXX account manager set up a XXXX XXXX deferment pay date. She flippantly apologized for the mix-up, but stated that she could n't do anything to fix it. She said that she would notify her superiors. That employee 's name is XXXX XXXX. 
On XXXX XXXX, I called Sallie Mae again, and the employee I spoke to actually reviewed my account and noticed that there was a mistake, and said that it would be fixed. It has not been fixed. And my loan refinance provider requires a statement from Sallie Mae where my loan is not in delinquency status. And if Sallie Mae had not made their error, I would not be in delinquency status because I would be in deferment. But because they made their error and refused to fix it, I now have to pay for XXXX payments to get out of delinquency just to refinance my loan ( rather than pay for none ). And my fear is that Sallie Mae will continue to drag this process out until it is past my agreed upon ( XXXX XXXX ) deferment date, and then say, " Well, it 's moot now, '' and force me to pay before I can refinance my loans. 
This is the quintessential definition of fraud, a deliberate deception and unwillingness to rectify an error in a timely manner until it is too late. I was played the recording which stated XXXX XXXX. I was told XXXX XXXX. I agreed to XXXX XXXX. And then suddenly, without notice or warning, my deferment date was changed to XX/XX/XXXX. Which is why I am trying to refinance my Sallie Mae loans to leave their awful service. But I am being forced to pay the {$850.00} as ransom because THEY made an error and refuse to fix it within the agreed upon deferment period.
On Wed, XXXX XXXX I opened an account with Wells Fargo after I sold my home in New Jersey what happened between that and when I closed XXXX XXXX, took me by surprise. On Friday XXXX XXXX. After I the bank check had cleared I went to a local dealer and brought a new car. By Sat. XXXX XXXX going into the first weekend of having an account at Wells Fargo, for some reason they turned off the temporary ATM card that was given to me with no reason on why. It took me to Sunday XXXX to get that resolved. At first I was told that I would have go back to the branch which by then was closed until Monday. However when I called and complained a lot, the call center was able to fix that problem. When I did actually moved Wells Fargo froze all purchases made with the ATM card by them I been using the permenant one. The purchases were frozen since Wells Fargo was concerned that somebody had gotten a hold of the ATM card. When I called them about the first problem I told Wells Fargo many times that I was in the middle of moving. The second time they did n't understand that I had moved and froze the card anyway. Before leaving I told Wells Fargo that since I am moving and stopped all mail when I was still leaving in XXXX by Monday XXXX XXXX my ATM card was declared lost and stolen, I had called them and asked them to over night a new one to me and was told it would be there that Wed XXXX XXXX. On Tuesday XX/XX/XXXX I am staying with Friends XXXX of them tried to call Wells Fargo and see if he could get them to speed things up. The person whom he spoke to a branch manager from Texas insisted that the process would take 2 days. Oddly enough a replacement did arrive on XXXX XXXX and at XXXX. A full day before Wells Fargo said the new one would arrive. Between XXXX XXXX and Monday I did try to get the bottom of this. Even sending a complaint to the XXXX. Somebody from Wells Fargo contacted my phone left me a message saying that somebody would contact me. Naturally that never happened. On Sunday I called Wells Fargo and the person from there call center told me that somebody would call that person never did either. When I did reach a supervisor the person read to me what was on the screen, ATM card lost or stolen, never mind that Wells Fargo never contacted me. I did try to tell this person that all I said to them before I left XXXX I was concerned that the XXXX ATM would be mailed to address where I did not live anymore that supervisor did n't want to even listen or hear it. He saw ATM card Lost or Stolen and that was that. Monday night when I got to my hotel I tried again reaching somebody from the online banking/ATM cards. That person read to me what was showing on his screen and could n't answer me why nobody tried to contact me at all. I based that on a voice message and what an banker from there call center said to me. Nor he could even explain to me why I was never contacted. Even I did change my contact number Wells Fargo had an active email address which they did not use either. All I am looking is what is going on and why I was never contacted.
they called at XXXX and left a voicemail stating that I refuse to take care of this issue and it has been escalated to my desk in which you or your attorney need to contact me by today or adverse actions will take place. 

when I called back they refused to give me any information other than demanding my full name, SSN and address instead of looking up by phone number to tell me what it was about. They are very rude. 

Im not ignoring, we hit hard times with XXXX kids. Im just now in a position to try to take care of it and I plan on doing so. 

they are very rude, very threatening.
After 3 days of payment do. This company charge my account plus the payment that is due. No 30 day grace period. Call harassing late at night.
The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XX/XX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.
My husband and I mailed an investigation request to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but haven't received the results yet.
Talked with a Chase representative in XXXX of 2017 about the mark " Bankruptcy Dismissed '' that is continuing to be reported on my XXXX Credit Report after 10 years. The Chase rep. assured me at that time the matter would be investigated and removed. In XXXX of 2017 I received a latter from Chase dated XXXX XXXX, 2017 stating " We asked the four major credit reporting agencies ( XXXX, XXXX, XXXX and XXXX ) to remove the reference to Chapter XXXX bankruptcy on your credit profile. '' However, XXXX has failed to comply. I have certainly spoken with both a XXXX Rep. and Chase rep. on XX/20/2017 about this matter. Chase instructed me to take this matter up with XXXX and XXXX has instructed me to take this up with Chase.
We have refinanced out loan ( # XXXX ) leaving GMFS on XX/XX/2017 ( funded on XX/XX/2017 ). Since then we continue to get the run-around regarding the refund of our escrow account from the prior mortgage company - GMFS. An example of this is them telling us 1 ) your loan was sold to another company XXXX ... after we chased that rabbit trail we discovered this was not true, 2 ) you owe us a balance to replenish your negative escrow account, 3 ) looks like we owe you about {$200.00}, 4 ) the notes show that we paid your taxes to XXXX twice and now we have to wait 15 days for it to be refunded ( {$2600.00} ) ... ound and round we 've gone with misinformation being provided. No one calls us back when they say they will. No one can provide us with a statement or summary of our Escrows. 

Additionally, we 're disputing the payoff that was generated on XXXX for our refinance. They claim an initial loan balance of {$580000.00} + interest thru XX/XX/XXXX of {$6600.00} ( our P & I payment is only ~ $ 3k, thus this clearly does not account for our payment made on XX/XX/XXXX for {$4300.00} ), but they wo n't acknowledge this + advance {$2600.00} ( pmt made to cty for taxes that were not due ) + a few misc fees = total payoff of {$590000.00}. They wo n't acknowledge that our payment was n't applied appropriately and thus they owe us that payment back for {$4300.00}. 

The most frustrating piece of the whole situation is we ca n't speak with anyone that has any information. We are only allowed to speak to Cust Service, who then sends an email to the " Client Management Dept '' who apparently wield all the knowledge and information. They will respond to our request by sending and email back to Cust Service who will then reach back out to us. However, we have been calling almost daily for nearly 2 weeks and have yet to receive a call back. Then today during our call, the Cust Service Supervisor advised that she had to provide them 48 hours and therefore we likely would n't receive a response back until XXXX, but " probably XXXX ''. Today is XXXX. XX/XX/XXXX. 

Unfortunately, because we are continuously receiving misinformation, we 're not getting return calls as promised, we 're not able to speak directly with anyone who can provide us with accurate information, and their not able to acknowledge the amount owed to us or provide us a timeline on when we will receive our money, we feel it necessary to file a complaint with the CFBP. Please help us advance movement on this, so we can get a resolution and move on.
I believe that Stonegate Mortgage is improperly stalling my short sale. Most mortgage servicers are required to approve or deny a short sale within 30 days of receiving a completed application. If this applies to Stonegate, I think they are trying to get around this requirement by continuing to ask me for more paperwork. Since XXXX 2015, instead of a decision, I get monthly letters demanding additional paperwork. Sometimes Stonegate asks for additional information, other times they ask for the same information but in a different format, and they have even asked again for information that I have previously told them does not exist. ( I am working with a lawyer and even he says that Stonegate is the hardest company he has ever worked with. ) I have an offer on my house but event that is not enough for Stonegate to give make a decision.
There are 2 accounts included in this complaint. # XXXX for {$410.00} & # XXXX for {$370.00}. I don't know what the status is on both. These collection accounts appeared on my credit report recently out of the blue.account I have no knowledge them it all. Looks like they came from Capital one and sold to this collection agency. I am filing a claim against Capital one as well. I received a notice from XXXX XXXX XXXX. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to XXXX and Capital One on numerous occasions for both accounts asking for validation, original account level documentation. Every time what I requested was refused but XXXX would send me a printout of incorrect information. I have NEVER did business with Capital One, but XXXX is making it their business to pin this on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudulent. I have no idea when the original account close because I was never notified of anything from Capital One. I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record. 

These accounts were actually with another collection agency. I sent letters for validation and they didn't have it so they sold the accounts to XXXX. Which I believe is illegal because collection agencies can not buy accounts from other collection agencies.
I am a co-signer on a student loan with Navient. I know that the student is one month behind in her payments. I am receiving anywhere from three to six calls a day from Navient. Today I received a call every two hours. I have quit answering my phone when they call. I refuse to talk to them! I know that she sends a payment every month. It 's just late.
In XXXX, my vehicle, which is financed through Tidewater Motor Credit, was totaled in an accident where I was found to be 0 % at fault. The vehicle was totlated and my insurance provided a check in the amount of {$8000.00}, leaving me with abalance of almost {$4000.00}. I had multiple correspondence with various employees ofTidewater and explained that I would be pursuing legal action against the other insurancecompany ( asking for XXXX maximum for no fault ). I was told I could only do alump sum payment and could not make payments. I had regular correspondence withthem through XXXX XXXX. 
On multiple occasions in XX/XX/XXXX, I was contacted by employees ofTidewater via telephone at work, despite my telling them ( on multiple occasions ), that myemployer did not approve of such calls.
BAC loan was signed to rescind BAC stole over {$150000.00}. 
BAC they broke a dozen Laws ( to me )
I made a payment to my XXXX credit card account that is managed by Wells Fargo. I used their automated telephone payment service and paid {$75.00}. Wells Fargo debited {$770.00} as opposed to the payment amount of {$75.00} which I normally pay. I called Wells Fargo this morning when it showed up on my bank account, depleting my funds, and they informed me I would have to wait 30 days to get the {$700.00} overcharge back into my bank account. I told them it was going to make me broke and they offered no quicker of a solution.
Working with a debt consolidation company and the company XXXX XXXX XXXX calls with deceptive numbers using XXXX XXXX XXXX and XXXX XXXX XXXX
I had an arrangement made with my finance company before my due day I have been getting calls every single day representatives have been calling me disclosing information without confirming who they 're speaking with ask to speak with supervisor supervisor called me a liar stated will be calling my human resources manager at my job I did n't ask to speak to a different supervisor to have my complain to listen to representative who I called stated I called a different branch and there was no supervisors available I ask to be transferred he denied due to does n't know XXXX supervisor will beavailable that they are the boss of him and he does n't know their time frame
XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX, XXXX, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX   and XXXX that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( Vital Recovery Services , LLC ) at my place of employment.
I had an old payday loan that was sent to Ad Astra Recovery Service Inc for the amount of {$200.00}. I am trying to improve my credit score and willing to pay the debt but I want a letter stating they will stop reporting altogether the account to the collection agencies after they receive payment. The customer service rep said he could only give me a letter showing paid. I was told that it will show paid from the current date which means it will stay on my credit from the current date and not the date it went delinquent, even though it shows paid it does not help your credit score. He said they can only send me a standard letter. I will pay the debt once I receive a letter stating that they will stop reporting the account to the credit bureaus, so I can that completely removed from my credit report.
On Monday XXXX XXXX, 2016, I received an alert from my credit monitoring company XXXX XXXX, informing me that XXXX credit reports were taken out on me today : XXXX from XXXX XXXX and XXXX from Clarity Services Inc. I set up a Credit Fraud Alert with XXXX on Monday, XXXX XXXX, 2016 immediately.I filed a complaint with CFPB about the XXXX XXXX incident ( Case number : XXXX ) and i got that one stopped. I learned from my XXXX Fraud agent on Wed, XXXX XXXX, that Clarity Services is a third party that pulled my credit report in response to an online loan application filed in my name with a company called XXXX XXXX. I have never heard of XXXX XXXX and did not make this application. I called XXXX XXXX directly ( XXXX ) and informed them that this was fraudulent. They told me that they would stop the loan process and send the application to their fraud department. Then, on XXXX XXXX I got another email alert from my credit reporting company telling me that Clarity Services had again pulled a second credit report on me. I do not know if Clarity Services once again did this for XXXX Loans or for a different entity. However, I have not applied for any loan or credit anywhere in XXXX or XXXX 2016 so any application now is fraudulent.
I have 2 credit card with bank of america and it was opened in XX/XX/XXXX. In XX/XX/XXXX, I got delinquent and default and result for debt cancellation in XX/XX/XXXX. I got XXXX from Bank of America. As of now, I attempted to do refinance my house to fix my mortgage. However, I checked my credit and Bank of America still reported that I owed {$32000.00} for both credit card. I attempted Bank of America to get clearance and they come back and asked me to pay off the debt. Even though they said they had issued XXXX but they still have the right to ask me to pay off. They know that I need to clear that has been charged off and cancelled debt was issued in XX/XX/XXXX. They still asked me to pay in full balance.
After responding to a voice message fro m Citibank, I c alled the number on back of my card and learned that a balance in the amount of {$99.00} was 60 days past due, along with multiple late fees. I asked how this was possible as we have n't used the card in months. They explained that  XXXX   XXXX  had auto-debited our account and that the balance of the {$160.00} owed represented late fees. My wife and I are 1000 % certain that we never signed up for paperless statements, which had we received this could have been avoided. Today I received an invoice showing the {$160.00} balance owed. To be safe, I called to confirm that there was no balance due and that there was a {$37.00} credit for  XXXX  of the late fees. I asked them to add to the credit the {$43.00} of cash back rewards earned. The manager on the other end of the line,  XXXX   XXXX  ID #  XXXX  ) said the account is closed and that there is no way of crediting the cash back balance. She further said they can not notify the credit bureaus that the late notice was an error because it was not an error, we made the payment late. Disappointing that our 16 year history of timely payments to this company ended like this. I suspect that because the account was dormant 12 months, the statements were defaulted to paperless to save on the costs associated with paper statements. We also have  a Costo Citibank card that we will close. There must be a better way to protect consumers from these unscrupulous tactics to generate late fees and avoid making good on earned cash back rewards ( at the time of account closing, we were not notified of forfeiture of this reward balance ).
I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. 
The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed. 
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact! 
Besides, how do I owe a company that I have NOT agreed to do business with.? 
I have not signed anything with either of the companies listed above! 
Neither of the companies, including the bureaus have done their due diligence in providing supporting documentation or anything with my signature since XXXX! I am also requesting that you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, XXXX XXXX and Equifax, as the law requires!
An overdraft fee of {$36.00} charge though the balance showed was in positive. Also bank is charging $  XXXX  monthly fee.
While talking with XXXX XXXX at XXXX XXXX XXXX about the debt in question I disputed the validity of the debt. After getting him to send me an email of what was owed and to whom I informed him that I did not know this was on my credit report and I would be disputing the entire debg. It was at that time I was called various names and profanities. This seemed completely unaceptable for anyone, especialy someone talking with people all day. After XXXX   the company and person I found that this is something this person does to alot of people. I received another message saying that the conversation was recorded and hope that can be used to stop this for anyone else.
My wife and I signed up for a chase sapphire card. I purchased a {$3000.00} mountain bike with no problem, I then called the bank with some questions. Afterwards I attempted to purchase a {$1.00} hot dog at a gas station and the card was declined. Shortly after, the bank fraud department contacted my wife and were very aggressive. They stated that since I had a  XXXX  name, and she had an American name, they thought that I was a fraud, even though we had another credit card with them for over a year. They were claiming that they were protecting the bank and the customer against unauthorized purchases. I complained several times for months and my complain fell on deaf ears. Just a couple of days ago I went into the bank to close my account and the teller filed a new complain, but the complain seemed to be registered as coming from my wife and not myself and suddenly she get a call from the bank stating that they are investigating. So I, a  XXXX  male complains for months and no one cares and then a complain is resisted as coming from a white female and they quickly make a call stating that they are investigating. Also, if they were protecting the bank and the card holder against fraud like they claim, why not decline my $  XXXX  purchase rather than a {$1.00} hot dog? They broke the law as they declined me credit based on my nationality and national origin. Denying me credit that I 'm entitled to based on my national origin is unlawful and I will sue this bank in small claims court.