WillisBack/dataset-financial-user-claim huggingface dataset:
I have a current mortgage loan with Suntrust Mortgage , Inc. about 7 years ago I had some late payment and they began to report me as a XXXX as they were starting the Foreclosure process. After about 12 months of working with them, we reached a resolution and I began to make my payments on time. My problem is that since that time, they have HARMED my CREDIT stating that they Foreclosed on my home and that mortgage which is entirely incorrect. They now are harming me from buying a new car or home becuase lenders believe i had a foreclosure in the past. I am still in that home and have not missed a payment in over 6 years.
I have requested multiple times that XXXX XXXX XXXX does not call me and only communicate through mail. However they continue to call me and harass me.
I 'm experiencing a hard time with Citi Bank. Citi Bank had a promotion in XX/XX/XXXX, which was Citi XXXX Access More credit card. They advertised that if you apply this credit card with Citi, then buy a phone at XXXX and spent {$2000.00} within XXXX months, then Citi Bank will give you a {$650.00} credit. I applied the credit card and got approved on Citi website, and follow the link to purchase a phone then got re-directed to XXXX website, then placed the order and received confirmation email on XXXX/XXXX/2015. Then XXXX emailed and let me go to their local store and get my identification verified, so I went and got the phone at their local store. Then I started to spend money with that credit card, by XXXX/XXXX/15 I had already spent {$2000.00}. I called Citi customer service on XXXX/XXXX/15 and asked if I need to fax or submit anything to get the {$650.00} credit as they said in advertisement, the representative said no and she had seen all the transactions and I was qualified so I should see the credit on that billing cycle. I did and I did n't see the credit. I called again on XXXX/XXXX/15, talked to an account manager called XXXX in XXXX office, she checked and said I would have the credit on my account on the next business day. I waited again, but disappointed again. I called on XXXX/XXXX/2015 again, and requested to speak to XXXX, got refused by the representative, and she told me I had to fax them the purchase receipt of the phone and I should have the credit on my account in 5 business days. All right, as long as you give me the credit, I did fax the receipt to them on XXXX/XXXX/15. Unfortunately, I did n't see the credit by then. I called again on XXXX/XXXX/2015, this time another account manager called XXXX in XXXX office spoke to me and said I was not qualified since I did n't buy the phone through the link. I told her I did, I followed the link and placed the order and read the email from XXXX Then she said since I just faxed the receipt, it would take another XXXX billing cycle to see the {$650.00}. And she lied that someone from XXXX office had contacted today regarding this, actually nobody from Citi Bank had ever contacted me even though they promised that someone would call me every time. I paid all my balance, I just need my {$650.00} credit back. If people have overdue payment with Citi Bank, they will charge them a high interest, how about this?
I used to send a few months at a time by mail to pay my loan payment with Nissan. I noticed and started get calls from Nissan that my payments had not been received. It started taking longer and longer for my checks to be cashed by Nissan. I received another call explaining my account was about to be late for my  XX/XX/XXXX payment. I explained my check was in the mail. The collector said he could take a payment over the phone but at the time I could not afford for the check and the phone payment to clear. Magically my check cleared shortly after the phone call. I immediately stopped mailing checks and started using their online system. It must be nice to be able to hold checks to create late payments. As you can see from my electronic payments always timely. Either this company is trying to create extra money with late fees, trying to discourage people from mailing checks to use online payments, or there was a mailing issue. 
I spoke with XXXX on XX/XX/XXXX and was told I would get a response in 15 days. I did not. I contacted XXXX   XX/XX/XXXX and was told Nissan could not change it without getting fined by CFPB As one can see from my 30 plus years of credit history there has never been a over 30 day late. How is it fair credit reporting with most of my payments are over 30 days in advance and they don't report that.
I have been the victim of identity fraud and a collection agency by the name of Halsted Financial Services, LLC ( tel : XXXX, web url : halstedfinancial.com ) who has been informed of this and knows that I have filed a police report, put a freeze at all three credit bureaus, and also filed a report with XXXX is still calling multiple times everyday. I also have record of them calling several times after XXXX and this is especially difficult because I suffer from a XXXX and have trouble sleeping. The latest call just came about five minutes ago waking me as I had difficulty sleeping last night and they hung up and when I called the number given by my caller ID the individual that answered said that it was an automated system that made the call which is an absolute lie as there was no automated system start up upon answering, simple someone hanging up in my opinion. This has now been going on for one month with a total number of calls above XXXX. They have caused me a great deal of time, grief and suffering and they need to be reprimanded for this ; also my opinion.
I informed XXXX 1 month before I swiched auto insurance companies that I was looking for better priced Insurance. I found insurance for half of what they were charging me with XXXX XXXX PA. and replased XXXX with XXXX. XXXX now is reporting to XXXX that I owe them over XXXX dollars and this is in collection and is refusing o remove this from my credit report. 

In the state of Pennsylvania all insurance must be paid for prior to service, How can owe them anything? 
Car insurance is paid 1 month in advance also and I did not get any money returned for that or my home owners insurance. 

This is labeled collection Service # XXXX exact amount XXXX.dollarslus you can lose your right to dive if you do not have insurance these people did this also and I was pulled over and checked for insurance by XXXX Police.
credit Bureau Equifax not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XX/XX/XXXXand with XXXX since XX/XX/XXXX till present2. as showing XXXX names for me instead of oneI am XXXX XXXX not anybody elseAlso credit bureau XXXX showing incorrect information on my name as well - I am XXXX XXXX and onlyand I am afraid that third credit bureau has the same issues but they did not provided for me their data for nowPlease help me out because these situation continuing for a years and they are not helping at all
I have attempted to set up an auto payment on my credit card through the bank of America at least XXXX times over the past two years. I finally set up a minimum payment auto pay for {$130.00} monthly for one year via phone payment center ; I set up alerts on my online account and was never notified that the minimum payment set up given to me was not the correct amount due ; I have been charged a late fee for several months and despite calling in my payments, I am still being charged late fees. I believe the web auto pay is set up to make if impossible to use, the phone system is apparently worse, I have been deceived about the amounts due for my minimum payment ; I have been restricted from using the on line billing auto payment and I believe this is all done to defraud consumers.
On XX/XX/XXXX my daughter attempted to buy concert tickets. Without my permission, she made a payment via my chase account and XXXX for {$200.00} to a scammer XXXX XXXX XXXX who never sent her the tickets. When I found out what happened I contacted my bank and made a fraud claim, chase and XXXX refuse to help, they dont even care this is a scam and a legitimate issue this person has been doing for years. So much so you can see here : XXXX XXXX XXXX XXXX XXXX A website dedicated to years of people Being scammed by this person. 
This needs to stop and I need my {$200.00} back, please help. 

They did tell my daughter they used XXXX XXXX XXXX XXXX if that helps too, who I have also reached out to.
I received a letter addressed from Ally financial services regarding an " inquiry '' based on information Ally Financial provided to credit reporting agencies. The letter also provides me with an account number and vehicle information for a XXXX Honda Accord including the VIN number. 
I have not purchased a car since XXXX and when I called Ally Financial information and attempted to get information from a representative named " XXXX, '' he acted very cagey on the phone with me and did not provide me any information. When I asked to speak to a manager/supervisor, someone then came on the line and I could not hear anything but static during the whole conversation. 
I am saking the CFPB to investigate this situation and please provide me with complete details regarding 1 ) to whom Ally Financial provided information ; 2 ) what type of information was provided ; 3 ) what inquiry are they claiming was made by me or someone on my behalf that resulted in any release of information ; 4 ) copy of car payment history in my name as referenced in the letter from Ally Financial 5 ) all information pertaining to how Ally Financial has my name and address on record in association with a XXXX Honda Accord with VIN # XXXX.
disputed with company on in XX/XX/2018 company recieved my disputes that same month according to certified mail. It is now XX/XX/XXXX and i have yet to hear back from company. the FCRA gives the company 30 days to respond, i have not gotten a response.
I am a victim of identity theft and someone made unauthorized inquiries for credit with my information. XXXX were made under my name to Capital One Bank on XXXX/XXXX/16 and XXXX/XXXX/16. And I am asking them to please delete them. The credit bureaus state they can not remove them unless Capital One gives them permission.
I 've been with Wells Fargo for 22 years since they were Wachovia and before that XXXX XXXX. 
I have several credit cards, accounts and a line of credit with them and this past Sunday I had a payment due on my Personal Line of Credit for {$300.00}. I have it setup to automatically pay from my checking account, but I was in my account so I went ahead and paid it thinking it would stop the automatic withdrawal. It did n't and both payments posted causing my checking account to be at XXXX. Then Monday two payments hit my checking account triggering XXXX over draft charges. I immediately called Sunday trying to stop XXXX of the payments when I realized my error and they were n't able to stop the payments in time, but they did refund XXXX of them to my checking account and I was told to call back and request a refund of the over draft charges after everything settled. 
I have XXXX problems one I do n't feel I should have to pay these over draft charges because if I had n't made the mistake the {$300.00} was more than enough to cover the charges I had coming through my account so I did n't need to use over draft services. 
Second I want to complain about how I was treated on the call this afternoon by one of the Supervisors - XXXX, when I asked for my money back. XXXX could have easily been a robot talking to me. She stated the company policy and from the time she opened her mouth I could tell I meant nothing to her and neither did my 22 years as a loyal customer with them. In the end I think I 'm more offended by that lack of regard than by the loss of {$40.00}. She was such a smart aleck that she even stated I could cancel the over draft services if the fee was too high. Total disregard for me as a loyal customer and when I mentioned that I had been with this bank for 22 years and asked her how long she had ( because I wanted to know if she was from Wachovia ) she cut me off and said how long she has been there has nothing to do with the banking policy. 
The sad thing is I train customer service reps and there were many different ways to handle this situation, Wachovia/XXXX XXXX would have either explained the policy and offered a courtesy refund or I have even had them split the difference with me, but to be out right cold and brutal, they would have never done this. 
I stayed with this bank so long because I expected loyalty back as well.
I receive my SSI benefits on a XXXX XXXX Master Card ( this is the card Social Security suggests ). On XX/XX/2018 {$1700.00} was wire transferred off my card. I contacted XXXX XXXX XXXX Fraud Dept and they had me fill out a questionnaire and cancelled my card to start an investigation. I was told {$1700.00} was wire transferred off my card. A new card was issued. On XX/XX/2018 I was contacted that {$1000.00} was put back on my card. When I asked why the original amount of {$1700.00} was not put back, no one could answer me. I immediately went to withdraw my money but could not. I called XXXX XXXX again and was told {$1000.00} was wire transferred off my card. Again, XXXX XXXX cancelled my card and had me fill out another questionnaire. I have repeatedly asked XXXX XXXX to mail me a check for the {$1700.00} which they refuse to do. They said they will start another investigation for {$700.00}. I asked why it keeps going down and again, no one seems to know. I explained that there are over 150 complaints against XXXX XXXX for money being wire or bank transferred from their cards. I reiterated that there is apparently a huge issue with my account and would like a check mailed. XXXX XXXX refuses to send a check. I am still without my {$1700.00}
This is additional information about case # XXXX cfpb emailed me that it has received a response from Wells Fargo National Financial Bank. If so I have been unable to read WFNFB 's response on your website. Nor can I get through to you by phone. WFNFB has never responded to me concerning my complaint except by XXXX meaningless letter. It has never provided me with a telephone number or an email address so that we can communicate. It is the most secretive, unresponsive organization that I have ever encountered. I have also filed a complaint with the XXXX asking that no late fees ever be charged to me and a fine in the form of an abatement of any amounts due to the bank. Dealing with WFNFB is light dealing with the XXXX. Since I am unable to reach you by phone, perhaps you could call me at XXXX and read to me the bank 's response
XXXX/XXXX/XXXX I have a maturing ( XXXX/XXXX/XXXX ) JUMBO CD @ CIT online bank. I sent them 2 letters XXXX XXXX, XXXX XXXX w/instructions to wire the $ in full to my credit union as I have done previously at least XXXX w/other CD accounts there, I also faxed a letter w/their form and made several phone calls & e-mails to " make sure '' this would not roll over as I am dissatisified w/ this bank for many more reasons ... today I was " grilled '' by XXXX from CIT bank, security questions about my existance from 40 years ago ( XXXX )! plus, too many of them all different questions from when I originally established this account ... I was told I may not get MY $ because a " 3rd. party entity, they refuse to identify has to check me '' ... I have more than COMPLIED, they say they never recieved the letters I sent & I keep getting conflicting/wrong info from them about where they are who is in charge, address ... .I want MY money OUT of CIT bank upon maturity ... they are abusive/security abuse, over kill, treat me like a criminal, change their " protochol '' and have caused me much duress & XXXX ... they wo n't even give you a paper/hard copy of your account info ... ..BAD BANK! XXXX
Prior to dental services, I asked the company if they accepted my insurance and they answered " yes they did. '' Services rendered were to be paid in full by the insurance company per my policy coverage. After services were performed, I was sent a bill in the mail for the complete cost of services. When I called the service provider, I was told that " the lady who told me that they accepted my insurance had made a mistake and they in fact did not accept my insurance coverage. '' The provider claimed that " I was to be responsible for the full amount of charges. ''
In about XXXX of 2018, I updated my Wells Fargo mortgage account to automatically withdraw {$490.00} from my bank account on a weekly basis. I elected that {$130.00} of each weekly withdrawal go towards additional principal, and the remainder going towards additional principal. I noticed that after a number of statements, later in XXXX, that Wells Fargo was not processing my payments as I set them up on their website. They were processing most of the time three payments of {$490.00} to go mostly toward the total monthly payment ( total {$1400.00} ) and the  remainder of the three weekly payments ( {$56.00} ) towards  additional principal, a far cry from the {$550.00} that I elected. This resulted in a number of extra early payments that I did not authorize, since the monthly payments were paid every 3 weeks rather than every 4 weeks, and will have many more than the 1 extra monthly payment per year that I understand weekly payments will have. This will result with a lot more interest paid over the life of the loan and the payoff date being much later. 

When I contacted them about their errors, they responded on XX/XX/XXXX : " The funds from the weekly withdrawals are held in suspense until there are sufficient funds to complete a full month 's payment. As a result, the full monthly payment may post to the account prior to the fourth withdrawal. '' They sent me an updated amortization schedule with the additional principal being {$550.00} as I requested, and the payoff date being earlier where I expected it. In a follow-up message, they responded, " Please allow my to begin to confirm, your additional monthly principal withdrawn is indeed {$550.00}. Each time we withdraw {$490.00}, this represents one-quarter of a monthly payment, plus {$130.00} additional principal. '' The response is exactly how I wanted my payments to be applied in the first place, and I would have been satisfied if it were fixed there like he said. However, my most recent statement only has 3 payments of {$490.00} applied, and only {$56.00} towards additional principal.
On XXXX/XXXX/2015 I recieved a responsive from Experian stating that if I do n't provide more information they would discontinue their investigation on a dispute I filed. I called XXXX XXXX today and they said my vehicle was paid on time with no lean or repossessions. They could have found that out also. It took XXXX minutes. XXXX is sending me this in writing within a week, something Experian could have done. Also XXXX dispute was removed from XXXX. I do not want a company to represent me if I am not worth the effort. I am going to contact the FTC and BBB and possibly a lawsuit.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX
I opened an account with Barclays on XX/XX/2015. I paid account on time for exactly 12 months. Then closed out my account at XXXX balance. I was unable to resolve this with the company. They were unable to find and records related to my account.
My bank sent a payment to Navient for the amount of {$350.00} on XX/XX/XXXX The payment posted to my Navient account on XX/XX/XXXX The remainder of the amount due was paid on XX/XX/XXXX to the amount of {$490.00} $ XXXX+ $ XXXX= {$840.00} That number represents my total monthly payment. Navient has again failed to properly process my payments and is now threatening me with late fees, deliquency and default. They were paid in full. They are incompetent and incapable of properly handling payment and accurately recording payments.
I used to be with XXXX XXXX but they sold me to Selene Finance several months ago. I have never been late on a payment and have never received calls about payments until they took over. The first 2 months I sent the payment around the XXXX of the month through my banks online bill pay. Both months they called ( usually by the XXXX or XXXX day of the month ) claiming to not have gotten the payment. Then when I came back at them they reluctantly admitted " oh wait, we do have it but it has n't been posted ''. So I started sending it on the XXXX of the month ( again, XXXX online bill pay ) which worked the first month but today I received another call from them! I have read many complaints about them pretty much saying the same thing. It is so very frustrating to know I 've paid - even way early - and still get a call every month harrassing me and telling me they havent received it. What can I do? Please help!
they are reporting collections. act was paid prior to collections this agency should nt have even gotten this account please have them remove this in its entirety as it was paid prior to creditor
Thank you for looking into this on my behalf. My husband has had similar issues with his student loans, also managed by PHEAA. We are both in the Public Service Loan Forgiveness Program, and making  Income Based Repayments through the Revised Pay As You Earn ( REPAYE ) program, and are around 3-4 years into the 10 year requirement. Per their site, I am currently at 40 PSLF qualifying payments made out of the 48 I have made, he is at 25 out of 51 payments for grad school ( if his XXXX were submitted when my last one was in XX/XX/XXXX, he would be around 36 ), and 41 for his XXXX   loans that he has been paying on since 2005 ( since approximately XXXX with PHEAA, XXXX XXXX previously ). 

All we want is a list of payments made ( which they do provide ) and a notation whether the payment was ultimately deemed as PSLF qualifying for our records ( which is impossible to determine - they only give us a total IE payment made XX/XX/XXXX - PSLF Qualifying, payment made XX/XX/XXXX - Not PSLF Qualifying { because no XXXX has been filed yet } ). 

For some reason, getting this level of clarity from PHEAA on this has been like pulling teeth, and it is hard to fathom why this would be so difficult for them to provide. On the site, they break down payments into amazing detail - but not this detail. We have both made requests of this nature, and only seen one document one time that provided this level of detail - and this was only provided after multiple requests. 

My most recent XXXX Certification letter dated XX/XX/XXXX indicates for example that from the dates of XX/XX/XXXX through XX/XX/XXXX my employment was qualifying for PSLF, but there is no clarity on how many of my payments made during that time period were PSLF qualifying. All documents of this sort dated prior XX/XX/XXXX are no longer available to download or view via their site, so I can't access older certification forms. 

We are trying very hard to comply with the requirements of this program, but find some details challenging to discover outside of the verbal guidance of a person in their call center. We prefer clearly written instructions so there is no room for confusion, or later being told we did something incorrectly when we followed their guidance ( which has happened already - IE no one told us that if you made payments prior to the statement for the month being generated, even by one day, they would not be " qualifying '' until after my husband made a few payments 25-28 days before the due date and inquired as to why they weren't counted as " PSLF qualifying payments '' ).