WillisBack/dataset-financial-user-claim huggingface dataset:
Loancare VA XXXX XXXX was serving my mortgage and o/a XXXX XXXX XXXX they sent me a letter stating my loan was being sold to XXXX. I paid my XXXX XXXX Mortgage payment {$2600.00} on XXXX XXXX XXXX. On XXXX XXXX I turned my autodraft off as well. On XXXX XXXX XXXX Loancare withdrew another XXXX XXXX payment of {$2600.00} from my checking account. My main issue is this second XXXX XXXX payment is not reflected in any Loancare statement or loan balance. Ihave logged in everyday to my account and there is no update. I have no written record except the autodraft showing it was taken from my checking account. I sent emails XXXX and XXXX XXXX and received " canned '' responses. I also called on XXXX XXXX and spoke with Loancare employee # XXXX. She stated that while she would forward complaint to her management there was basically nothing she could do. In her words Loancare is done serving my account. At the least Loancare should send me an email stating what they did with the second XXXX XXXX payment. I prefer a refund or at the least who in XXXX wherever that is has my {$2600.00}. To date I have no more info than it was being sold to XXXX. Loancare customer service is extremely poor, with little regard for any customer follow-up. I advise consumers to avoid this company, make sure to notify your loan officers, real estate agents, etc to seek out more reputable firms with better customer service and ratings
Navient is reporting late payments to my credit report dating back to XX/XX/XXXX when my loans were in forbearance they have a knowledge that the loans were in for forbearance but refused to remove my late payments. I have been calling in dealing with them since XX/XX/XXXX
Plaintiff 's / Bank law firm was approached with shortsale offer of $ XXXX, Defendant 's representative and lawyers sent in a complete application with a fully signed contract to the mortgagor XXXX XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX XXXX. However, a week prior to the auction, without any counter offer or response on the shortsale amount, the borrower 's attorney received an email stating the offer would not be considered because it was submitted less than 37 days prior to the auction sale. 

Two days before the auction, the Borrowers attorney sent another request to consider the shortsale offer and Plaintiff 's firm advised to send in the offer. The fully exectuted contract, proof of funds, and offer letter was sent to the representative who did not review or in the opinion of counsel send to the Bank. 

Attorney for Borrowers called the Bank and spoke at length with a representative and a supervisor about the offer. The two men said that the law firm had complete discretion in stopping the auction and submit our offer for processing. The men asked me to go to them. Borrowers attorney again contacted the law firm and they said that the servicing guidelines prevent them from accepting or considering our offer. The two parties had no idea what the other was doing even though I communicated the issue, no effort was made to coordinate a response and consider a substantial offer. 

The property was then auction and sold to the same buyer that Borrowers brought to the Bank and law firm. The Bank or law firm 's representatives were fully aware of this buyer and yet accepted a lower offer of $ XXXX. 

The Plaintiff law firm acted unfairly and in violation of the fiduciary duties it has to the Bank and Borrowers to accept the highest offer and rejecting to process the shorsale at the higher contracted offer amount then selling the property for over {$15000.00} less to the same buyer sellers entered into contract with. 

The Bank supports this bad faith conduct by not investigating and demanding that a shortsale be processed with the buyer at the higher amount. 

Additionally, the bank did not have the note and mortgage before they started the foreclosure because the note and mortgage was transferred to XXXX. XXXX  did not transfer the note and mortgage back to the Plaintiff until 2015 when the Plaintiff was set to assign the note / mortgage to a new creditor.
On XXXX/XXXX/15, my wife & initiated a refinance loan application with Quicken loans. Quicken collected {$400.00} good faith fee and shortly thereafter an appraisal was completed on our home. The appraisal determined that some repairs were necessary to satisfy FHA loan requirements. We obtained bids for the repairs and, then, submitted them to Quicken Loans with the request that the cost of these repairs, {$6200.00} be paid from the loan proceeds. In addition, we indicated that we would not move ahead with the necessary repairs, because of the cost, unless Quicken loans confirmed this would satisfy the requirements to close the loan. We received assurance that this would resolve the issue so the loan would be closed, the contractor paid after closing. We had indicated that we would not and could not move ahead and authorize these repairs unless we had assurance from Quicken Loans that this would result in a closing of the loan with the necessary payment to the contractor. We do not have sufficient available funds ourselves to pay for these repairs and we, therefore, requested assurance that this would allow the loan to be promptly closed and the contractor paid. We received several such assurances from representatives at Quicken and, therefore, authorized the repairs. Now, it is over 3 months later, the repairs have been completed and reviewed by the appraiser and Quicken refuses to honor their commitment to us. The contractor wants to know when he will receive payment for his work and we are in the embarassing positon of not have a good answer for him. Quicken has left this in limbo for several months and, seemingly, will not honor their commitment to us. I have assurances from them in the form of emails as well as a confirming email to the contractor on this matter that I copied Quicken loans on over 2 months ago when the repairs were initiated.
I joined a repayment plan through Navient in the beginning of XXXX. Before you are entered in the repayment plan, you have to go through a 3 month qualifying period. I was informed of the 3 month qualifying period and that after the 3 months my Navient account will be up to date. However, I was not informed that my loans are still going to be sent in for collections which will affect mine and my co-signer 's ( on one loan XXXX credit. I did not receive any phone calls from their collections department or any letters stating that they would CONTINUE collections. No collections calls were made so I was under the impression that it was no longer being sent to collections. 
As of tomorrow, the loan that my co-signer is on, will be brought current and Navient refuses to fix the delinquency errors that were their fault due to their neglect in providing that specific information. Now my co-signer ( my father ) can not get the house that he was trying to get. He was pre-approved for a VA loan and now, due to these delinquencies on his credit, is no longer eligible for the loan.
Applied checking account with {$250.00} open account bonus promotion.     The requirement is " To receive the {$250.00} promotional credit to your primary  Wells Fargo  checking or savings account, the following requirements need to be met  ; * Make 10 p urchases or payment with your  Wells Fargo Debit C ard or * Establish a qualifying Direct Deposit on an accumulated {$500.00} or more The {$250.00} credit will post to the account within 60 days of the account opening. ''  XX/XX/17    Account opened with {$50.00} initial deposit  XX/XX/17    {$500.00} direct deposit from my employee   XXXX     Another {$500.00} direct deposit from my employee  Submitted   XXXX  forms and went to Bank for signature and so on as they indicate as reasons for holding the bonus.     Bonus never posted.      XX/XX/17    Receive letter that I did n't meet the requirement for the bonus  ( le tter dated as  XX/XX/17    ). The requirements are the same as I cited earlier and the same as what I saw when open the account.
There appear to be some hard inquiries that I did not incurred. In fact, I have contacted the original creditor, and for some reason they have no records of this inquiry ever been posted. I have already disputed the account with Equifax, and they do not want to comply or remove it from my report. 
Inquiry name : XXXX XXXX XXXX
I 've received repeated calls from a company that my caller ID says is " XXXX XXXX. '' I answered and was told it was " Convergent Outsourcing. '' The person on the line said they were calling about my business with XXXX and asked me to confirm my address or the last XXXX digits of my social security number. I refused, saying I would not until they told me why they were calling. She refused, said they sent a letter ( I never received one ), and said she would send another one. I said ok and hung up. 

They never disclosed whether or not they were seeking a debt ( though Convergent Outsourcing is a collector ). Furthermore, I owe no debt to XXXX. I concluded my business with them some time ago.
SYNCB did an unauthorized credit inquiry with XXXX on XXXX/XXXX/2015. I called SYNCB to dispute the unauthorized inquiry twice and ask both times to have it removed from my XXXX Credit Report. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated by Consumer. SYNCB stated they could not find no records of an application and that they could not remove nor send me a letter to have it removed. I also called Transunion twice to dispute the error of the unauthorized inquiry as they stated they can not remove it without a letter of error from SYNCB
XXXX : XXXX The credit reporting agencies are reporting the fraudulent schools studen loan on my credit report as verified, when in essence the school was fraudulent and could not have been verified. The school was sued and closed down in the state of California because of their fraudulent activities. Students from XX/XX/XXXX-XX/XX/XXXX student loans were suppose to have been forgiven. 

Equifax, XXXX  and XXXX will not remove from my credit report. 

They are reporting 2 separate loans by US Dept of Education incorrectly.
My mortgage was serviced by LenderLive. I was current on the loan as of XXXX XXXX but I was out of work and using savings to pay. I agreed to a forbearance plan with LenderLive in XXXX XXXX. I explained that I need a security clearance to get work and therefore needed to avoid any negative credit reporting for the mortgage. They told me that they would not do negative credit reporting while I was on the forbearance plan. 

The forbearance plan was supposed to last for six months, until XXXX XXXX, XXXX. At that point I would enter into a repayment agreement with LenderLive according to the plan. Instead, LenderLive reported on my credit as if I was missing payments during the forbearance plan. I noticed the negative reporting in XXXX XXXX. I was looking at my credit because I was going up for security clearance for a job. When I called LenderLive about it they refused to fix the credit reporting. They had previously been ridiculously rude to me over the phone -- they even insulted me for being a XXXX veteran. 

In XXXX XXXX LenderLive transferred my loan to XXXX. XXXX did not have any information about the forbearance plan. As far as they were concerned, I was six months behind on my mortgage. After the transfer, LenderLive refused to talk to me about the issue or to fix it. They just directed me to XXXX. XXXX did n't have the records and did n't know what I was talking about. 

I want LenderLive to correct the information reported on my credit to reflect that I was on a forbearance plan and was not responsible for the payments from XXXX XXXX through XXXX XXXX. Therefore I should not have missed payments recorded for those dates. I would also like an apology for their insults of my status as a XXXX veteran.
I received a letter from Synchrony Bank regarding my XXXX XXXX credit card account, stating that after reviewing my activity my charge privileges have been withdrawn and credit line has been closed. The reason stated was that due to recent activity, plus having XXXX or more dishonored check payments on my account caused the account closure. 
On XXXX XXXX, 2015, I spoke with XXXX with XXXX customer service ( Synchrony Bank ) and told them that I had received a letter from stating that I had returned checks, and as a result I wanted for them to provide me with copies of the returned checks. I was put on hold and she informed me that she could not find any returned payments for my account. She put on hold in order to further investigate with the accounting Department. After some time the agent said that after checking with their Accounting Department, she informed me that there were not any returned checks but due to them having reviewed a recent credit report they decided to close out my account and that I should take it up with my credit bureau since they are the ones that are responsible for the report. I responded by telling the agent that the letter that was sent out did not mention this as a reason or anything with regards to a credit report. I asked the agent to provide me with the name of the person she spoke to in the accounting department but she told me that she could n't provide me with because it was against company policy. I have always paid on time, and have no returned checks that I have issued and have been returned. XXXX customer service department does not have any answers or explanations and keeps directing me to direct my questions to the credit bureaus which does n't to my knowledge include this on my report. At this time, I do n't know what to do, I feel that Synchrony Bank is showing unfair business practices. I have never been late, or returned checks. It has also taken my XXXX XXXX credit card and has closed that account because they are the creditors and because of XXXX activity they sent out a letter stating that due to returned checks on my other account handled by Synchrony Bank they have terminated my XXXX store card, for which I have also always paid. Now, I have XXXX store cards that Synchrony Bank has closed out unfairly.
It is impossible to contact Equifax , After many hours, many phone numbers, I can not speak to a person. I have had this problem for years and something has to be done. They have sent my report to the wrong apt XXXX number, I never receive it, I do n't know who has it. There is nothing I can do about because there is no one to speak to. I called again today XXXX/XXXX/15 gave them all the information for my report, but they did not ask for my apt number, so now my report will go " i do not know where '' Something has to be done about this company, it should be mandatory that a number is available to people to call.
I didn't know about a debt when applying for a loan. I found First Point Collections had filed a past-due medical collection. Once they verified it was mine, I told them I would be happy to pay it, but I wanted the entry removed from my credit reports. They said the most they would do is mark it as paid but not remove it. I would like to pay this bill, then have it removed from my credit.
We have had an account with Keybank and the previous bank they purchased, XXXX XXXX for about 38 years now. In XX/XX/XXXX we were offered as part of our account with Keybank a FREE safety deposit box. 
On XX/XX/XXXX we received a letter stating that our checking account was debited for {$160.00} for our safety deposit box # XXXX being delinquent. On XX/XX/XXXX I called the XXXX number on the letter and with the second representative ( XXXX ) I dealt with and was told this was a bank branch issue and I had to contact the branch. 
I contacted the branch on XX/XX/XXXX and on XX/XX/XXXX the branch manager XXXX XXXX called and explained to me that the account had changed because in XXXX I had raised concerns about service charges and that we were notified of the account change. I honestly do not remember a service charge issue but I can state emphatically that we were NEVER notified of a change resulting in our FREE safety deposit box becoming a safety deposit box with a charge. If I had known we were going to be charged I would have either paid it on time, or closed it. 
XXXX XXXX stated we were notified but I must state again we were not. In fact Keybank can and does find me when they want to send offers of checks to use and charge to our credit card and that in fact is the ONLY mailings I have received from Keybank until the letter of XX/XX/XXXX. 
I was also told that although he was not passing the buck I should call the XXXX # which as stated we already had called and I told him so. 
On XX/XX/XXXX XXXX XXXX called me back and stated that {$69.00} of the {$160.00} debited to our account was credited back. When I asked why just {$69.00} I was told it was better than the zero we were going to receive prior to his negotiating on our behalf. 
On XX/XX/XXXX I completed a survey sent by Keybank via email and wrote of my concerns over this issue and as of XX/XX/XXXX have had no response. 
On XX/XX/XXXX I cleaned out our safety deposit box and introduced myself to XXXX XXXX. I thanked him for his efforts but told him I felt we should have all of our money credited back to our account and that I was in fact moving forward to lodge this complaint. 
He just shrugged his shoulders.
I have refinanced a second mortgage through XXXX, XXXX XXXX, XXXX XXXX XXXX My previous holder was NationStar at 11.5 %. This asset transfer was completed around XXXX/XXXX/16. NationStar, XXXX XXXX, confirmed with me yesterday, XXXX/XXXX/16, that they have received payment in full and would send me confirmation. I received an email from XXXX, ( That had a no reply hold of email reply ) that there was a balance of around {$270.00}, after she confirmed the balance was confirmed as paid in FULL. I am in the process of other refi 's that can not continue until we have confirmation of this loan payoff. I was very upset that NationStar did provide documents that this loan with them was paid off as per XXXX. When I spoke to XXXX today, XXXX/XXXX/16, as I was upset, she hung up on me. All I want is to have NationStar agree in writing that my loan with them is paid in full. It is very simple. They have their money. Please send confirmation. XXXX email has a no response lock on her email. They are worse than XXXX. 
XXXX
THE CATAGORY NEEDS TO BE ''BANKING FRAUD '' ANYWAYZ XXXX , BANK IS REPORTING INFORMATION THAT IS A XXXX FRAUD, THEY ARE NOT GIVING FULL DISCLOSURE AND HIDING A SECRET LEDGER OF ACCOUNTING, THESE SIMPLE QUESTIONS HERE I DEMAND ANSWERS WITH CLARITY OR THE LAW SPEAKS FOR ITSELF REGARDING SILENCE IS AQUIESCENSE, ANSWER THESE QUESTIONS AND DONT SEND ME YOUR XXXX ROBO-STATEMENTS TO MY ''BILLING ADDRESS '' DID YOUR BANK MONETIZE MY SIGNATURE?, YES OR NO, WAS THE CHECK DEPOSITED [ that you claim was bad ] WAS THE CHECK TOTALLY WORTHLESS TO YOUR BANK?, YES OR NO, WHY ARE YOU SENDING STATEMENTS TO A BILLING ADDRESS? WHEN IS A COMPLAINING PARTY GOING TO PREPARE A STATEMENT OF WRONG DOING?, [ sworn to before a notary. WHEN WILL I RECEIVE A ''TRUE BILL ''?? SILENCE IS GUILT, SILENCE IS AQUIESCENCE, SILENCE IS FRAUD ANSWER THESE SIMPLE QUESTIONS IF YOU CAN,
YOUR COMPLAINT : First off I am not a CREDIT REPAIR COMPANY. But I am a very smart individual that has done my home work, so I am DEMANDING that you stop trying to use stall tactics in order to simply not remove something from my credit report that you know is wrong and that you can not verify. You are hereby put on notice that anymore incorrect information seen on my credit report that does not meet the standards of section 609 of the FCRA will be dealt with in a court of law, which is something you are very familiar with. Experian and XXXX has XXXX items on my credit report that do not belong on there. 1. XXXX XXXX Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway. I find it FUNNY that XXXX was reporting this same thing and they removed the item because they could not verify it. If they can not verify it, because XXXX XXXX is not communicating with them, I find it hard to believe that you Experian and XXXX have had any luck communicating with them. You simply are not doing your job and you are violating the law. I will continue to file complaint after complaint until you fix this error and remove it from my credit report. You are hereby put on notice that I am tired of dealing with this and the next step is a legal lawsuit to take you to court and make you show proof that what you are reporting is correct. ****SEE THE ATTACHMENT SHOWING XXXX DELETION**** 2. Experian On my XXXX XXXX they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately. It is apparent they are trying to hurt me financially.
Called and offered a personal loan. After " verifying the missing information, they asked for my XXXX XXXX XXXX user info.I did not give it to them. 

Voice Mail I responded to : Hey hello daya this is XXXX XXXX calling you from Commonwealth Bank and actually this phone call was regarding about your loan app work. You have been preapproved by my bank to get up to {$5000.00} plus loan. Okay so if you're looking for a loan in the market right now so please call me back as soon as possible. Okay and you can call back me at XXXX. I repeat again XXXX. Thank you. You have a blessed day.
I dispute this debt belongs to me so I repeatedly requested validation and received no documentation. After receiving no documentation, I called XXXX and they confirmed they have no documents whatsoever. As there is no evidence of this debt whatsoever, I requested deletion of this trade line from my credit reports.
In XX/XX/2018 I discovered an inaccurate item posted to my bill from XXXX. I questioned it by phone and asked for documentation ... numerous times ... and numerous times it was promised and even said to have been mailed when XXXX 's own records proved it wasn't. ( When it was finally provided along with copies of the log I'd requested, it was apparent that I had been lied to on the phone re their sending anything to me that identified the basis of the disputed charge. ) This account was on auto pay/full balance. After telling XXXX, by phone to stop grabbing the money from my checking account ... to no avail, I had to order a stop payment against XXXX at my Bank ( for which I had to pay {$35.00} ) .When XXXX got the stop payment info yet another XXXX rep called me and finally looked at the account and recognised the error. Where upon I paid the full true balance due and directed that the account be closed, which was done, not quite timely ... but done. 
That last rep I spoke to also promised this misadventure would not be reflected on my credit report .... However, when I checked my credit report today ... I found XXXX reported I was delinquent for 3 months. My " deliquency '' was due to my refusal to pay the balance until I could get info re its legitimacy and until XXXX looked at it and corrected their error in wrongly seeking payment for an amount for which I was not liable ... and for taking that amount out of my linked bank account. 
While XXXX ethically should be responsible for compensating me for the hours I spent trying to correct their error as well as the {$35.00} stop payment charge I incurred that finally got their attention, I would be happy if they removed the adverse info from my otherwise pristine credit history .... although I wouldn't mind the {$35.00} as well. My resolve to never to do business with XXXX again ( which one of  their reps arrogantly replied was of of no matter to them, when I spoke to her ) will assure this never happens again, at least not with XXXX.
I received notice in the mail that I had a judgment filed against me for XXXX. I paid this online through the Nebraska XXXX system on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX XXXX XXXX XXXX filed a garnishment with my company XXXX XXXX.