WillisBack/dataset-financial-user-claim huggingface dataset:
We 've been working w CITI Mortg. since XX/XX/2016. All requests have been submitted 1-3 times. Rcvd letter documents complete XX/XX/2016 review by XX/XX/2016. Accused of no reply to messages but not rcvd from CITI or XXXX coach when requesting outcome from XXXX on XX/XX/2016. Now they are requesting from the beginning again to re-open proceedings for refi. With CITI NO Dept. is synced with the next. XXXX is not synced with CITI at all times. Harassment of late payments when current. XXXX bank XXXX can confirm this. Both my husband and I called CITI to get date changed ( according to SSI and Pension ) ... they refused but agreed to stop late charges within the 30 day grace. This has not stopped either. I have documented all ... we went to an independent financial counseling service during this in XXXX thru XXXX All documents sent to CITI also was cc to counselor. At that time it most have been noted by CITI and requests slowed and stopped with letter XX/XX/2016 as mentioned ALL DOCUMENTS RECEIVED. XX/XX/2016 XXXX requested more documents ... not done as XX/XX/2016 close to 30 pages of requests scanned an emailed of which many were for the second and third time. Foreclosure threat started in XXXX and Bankruptcy in XXXX and XXXX.
I received a phone call from a company named XXXX XXXX. When I answered the call there was a man asking to speak with my wife. I explained that I was her husband and asked how I could help him as my wife was not home. He told me that there was a check written in 2012 to check into cash for the amount of {$500.00} plus dollars and they where trying to collect. He said we had to pay this money or they would be filing charges on my wife for defrauding a financial institution. I explained that I do n't recall this debt however I do recall having a debt for {$300.00} to check into cash however I have never received any notice about this debt. I asked him to send me proof of this debt and he said no we have been sending letters for the last few years to a prior address. He then said the do n't have to send anything as they have made several attempts to contact. I then told him we do n't have the funds. He said he was transfing me to a supervisor. The supervisor said he would give us two weeks to pay and asked for my credit card info. I gave him the info and he said I would be receiving a XXXX via email and had to sign it and ended the call. I received the XXXX  and signed it. However after the fact I noticed that the email at the top was to a personal XXXX address and became suspicious that this was a scam. I called check into cash and they said our debt was with a collection institution and the amount was for {$300.00} plus dollars. I then called my local law enforcement. They told me to put a stop payment on my card and if they did take any money then they could go after them. So I did. On the day they where to charge. I received a call again from XXXX XXXX they said they tried to collect the payment but where unsuccessful and asked me why. I told them what I had done and the man who never gave me any name said ok we are going to make sure your wife goes to prison and that I was being an XXXX XXXX and hung up.
The primary borrower contacted Navient in XXXX 2017, and was told she had no forbearance option available. She was advised she could sign up for recurring payments, and that this was her only option. She did so in XXXX XXXX. Beginning in XXXX 2017, her payments started bouncing back, as she was experiencing financial hardship. I was not contacted via phone until XXXX XXXX, 2107 about the debts. I was not told at any point in time that I could dispute a debt. When I called, I asked about what programs were available bc the primary borrower did not have the funds to pay, as demonstrated by the several returned payments for insufficient funds. I was misled to believe I could pay {$64.00}, have the other two past due payments moved to the end of the loan, and the primary borrower could call in to find out what programs are available, as the Navient rep stated they change daily. He never told me she had 2 months forbearance available. I found out on XXXX XXXX, 2017, Navient reported 2 delinquencies for the loans to the credit bureau. I immediately called Navient to try to resolve, however they were not cooperative or helpful. During the several phone calls I made on XXXX XXXX, I was advised she has forbearance time. I agreed to pay the past due amount, and agreed to the forbearance for 2 months. This was not offered on my last call. This would have been helpful and avoided past due payments if they would have offered this option. I am willing to pay if there is a past due amount, and demonstrated that multiple times in the past, when there was an issue of non payment or late payment. I was told that because the primary borrower is on recurring payment, even if I call in to make a payment so her payment does n't bounce, they will still take the payment from her account. She has to have her account enrolled, because she agreed to the only program offered to her. Further, if she would have had the forbearance back in XXXX or XXXX when her first payment was returned, she would not have been 3 months delinquent. Also, they will call the primary borrower several times, and called me in XXXX, but did not give me an opportunity in XXXX when they actually sent the delinquency to the credit bureau. I pay over {$1100.00} per month in my own student loans. I have never had a delinquency on my credit. I pay all my debts on time. I would have paid the past due amount, or at least enough to ensure it was not reported on my credit, but was not given that same opportunity. As the cosigner is just as responsible for the debt, and will be affected by negative credit reporting, I should receive a phone call, as is Navient 's demonstrated regular business practice, to say if I do n't make a payment that day, I would be reported. I made two payments both days I spoke to Navient to avoid reporting, however they still reported me without giving me an opportunity to resolve the past due amount. I have attached my bank statement showing I made payments both times.
Within the last  six  months, I 've switched my loan service from  XXXX  to  FedLoan Service. T hese were all Federal Student Loans and I applied for the  Public Service Loan Forgiveness Program  ( and I was approved ). After making on time payments, I realized they were not applying the payments to this program ... stating that I did n't qualify but no explanation why. The only reason I switched loan services was so I could qualify for this forgiveness plan as I 'm a 20+ year employee of a qualifying place of employment. Please help?
ARA Collections has been calling me every 10 mins looking for my ex husband and I have told them I am not married to him nor do I need to receive calls from them. They called 10 times with an hour and a half. They are rude threatening and demanded I speak to my ex. This is un acceptable business practice. I called the number they gave me requested to be removed from the list immediately and they continue to call. 

These people are so rude, threatening and this is not acceptable. They need to stop calling me.
On XX/XX/XXXX, I sent to XXXX " dba '' XXXX, XXXX, California, 4 QWRs & Notice of Default for failure to respond & return 4 sets of EFT Debt Discharging Instruments sent to XXXX, totaling over {>= $1,000,000} from me without any response/DEFAULTED. I forwarded complaint to CFPB. I have sent a Fiduciary Request Reconveyance under Evidence # XXXX to XXXX, XXXX dated XX/XX/XXXX CM # XXXX with no response/DEFAULTED. I sent Exhibit # XXXX Fiduciary Request Reconveyance to XXXX, XXXX XX/XX/XXXX CM # XXXX. It was sent to XXXX, XXXX, Iowa with no response/DEFAULT. I QWR'ed XXXX without response/DEFAULTED and XXXX switched to XXXX of XXXX, XXXX, Colorado XXXX without answering the QWRs/DEFAULTED. I QWR'ed XXXX with Exhibit XXXX, Notice of Validation of Debt dated XX/XX/XXXX CM # XXXX and XXXX switch to XXXX XXXX dba '' the XXXX " dba '' Nationstar Mortgage , LLC, ( XXXX ), XXXX, Virginia without answering the QWR/DEFAULTED. On XX/XX/XXXX, I sent a QWR, to ( XXXX ) Evidence # XXXX with CM # XXXX with no response/DEFAULTED. On XX/XX/XXXX, I submitted a Qualified Written Request ( QWR ) CM # XXXX to XXXX and XXXX " dba '' Nationstar Mortgage , LLC with no response/DEFAULTED. I have subsequently submitted XX/XX/XXXX, Affidavit Of Notice, Bill of Particulars - Demand & Discovery & Disclosure Evidence # XXXX CM # XXXX to ( XXXX ) Nationstar Mortgage LLC with no response/DEFAULTED. On XX/XX/XXXX, I sent an Affidavit of Fact, Notice of Default Judgment for Failure to Respond According to the Rule of Discovery, Tacit Agreement Evidence # XXXX CM # XXXX to ( XXXX ) " dba '' Nationstar Mortgage , LLC with no response. On XX/XX/XXXX I sent Affidavit of Fact, FAILURE TO RESPOND TO QUALIFIED WRITTEN REQUEST ( QWR ) CM # XXXX to XX/XX/XXXX " dba '' Nationstar Mortgage , LLC & XXXX " dba '' XXXX, XXXX, Texas XXXX Evidence # XXXX with no response/DEFAULTED. On XX/XX/XXXX. I sent an Affidavit of Fact, Notice of Judgment for Failure to Respond According to the Rules of Discovery to XXXX Nationstar Evidence # XXXX same CM # as XXXX. I sent an Affidavit of Fact, QWR, Demand & Discovery to XXXX of XXXX dated XX/XX/XXXX, Evidence # XXXX CM # XXXX with no response/DEFAULTED. On XX/XX/XXXX, I sent an Affidavit of Fact, QWR, Bill of Particulars Evidences # XXXX, XXXX to XXXX " dba '' Nationstar MortgageCM # XXXX with no response/DEFAULTED. On XX/XX/XXXX I sent an Affidavit of Fact, QWR to XXXX " dba '' XXXX & XXXX " dba '' Nationstar Mortgage , LLC Evidence # XXXX CM # XXXX & XXXX with no response/DEFAULTED. On XX/XX/XXXX I sent Evidence # XXXX, Bill of Particulars, QWR, Demand for Discovery & Disclosure to XXXX, " dba '' Circuit Court for XXXX XXXX Maryland, XXXX, XXXX, Maryland XXXX with no response/DEFAULT. I have sent Notice of Default Judgment on XX/XX/XXXX to XXXX & XXXX of the Circuit Court for XXXX XXXX Maryland CM # XXXX & XXXX at great cost to me. I ca n't prepare a defense without responses to QWR 's, Discovery & Disclosures because I do n't have any proof of validity of debt and/or identification of the claimants involved. I do not have proof of a mortgage with the claimants.
On or about XX/XX/2018 a dispute was placed with the credit bureau because Chasebank claimed I was over the balance ( XXXX ) being {$44.00} over. This caused my FICO score to drop by 2 percent. I reviewed my statement to find that XXXX had charged me in error {$14.00} x3. I called XXXX and found the agent made false and misleading statements to combine a regular email to my student email account which, XXXX fixed and credited to Chase but, was unable to credit my FICO score advising to speak with Chase to make correction. I called Chase they advised unable to correct issue but they did not know how to do this. I also found fraud charges XXXX XXXX for {$90.00}, {$36.00}, {$38.00}, {$15.00}, {$60.00}. I was advised on the reporting date that I would take 7 to 10 days from the date of XX/XX/2018 for the provisional credit to post to my account. However, the credit posted on XX/XX/2018 for {$240.00} -The balance reflected the available amount of {$240.00}. I made purchase from the date of XXXX to XX/XX/XXXX of total of {$300.00}. I made a payment on XXXX and XX/XX/XXXX each for {$100.00} ( equal to {$200.00} ). This would have give me a total credit for XXXX XXXX ( + {$46.00} ),  XXXX ( + {$240.00}. ) My payment ( + {$200.00} ) = $ XXXX {$300.00} leaving a closing balance of {$180.00}. However, XXXX send the payment back to Chase which, Chasebank adjust all the provisional credit of {$240.00} instead of OFFSETTING the amount of {$240.00} XXXX sent to Chasebank the Fraud department called on XX/XX/2018 stating they were going to take the amount back. Now, Chase is showing that I am over $ XXXX.I spoke to XXXX-Manager- she validated the error but, refused to correct the fraud departments adjusted.
tried via mail on XX/XX/2018 and phone calls XX/XX/2018 to contact XXXX XXXX XXXX XXXX in XXXX XXXX with no results. No return information for me to verify and no account found. I check my XXXX credit report and a derogatory mark for {$170.00} is on my credit report.
I have an alleged XXXX account for XXXX on my Experian credit report.I have disputed this account several times with Experian as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Experian credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
XXXX DOFD - XX/XX/XXXXExperian DOFD - XX/XX/XXXXXXXX DOFD - XX/XX/XXXXThe FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Experian is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Experian responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.
On XX/XX/XXXX, at XXXX I logged into my mobile banking app and saw {$600.00} in deposits missing from my account. <P/>I contacted customer service at about XXXX to ask if something was retracted from deposits made. The customer service rep, who would only give me a first name ( XXXX ) basically said it 's a issue that is being handled but she has no explanation, only that if I was going to be charged a fee for having negative funds they would remove it once corrected. I did n't have that issue thankfully, but wanted to know when this will be seen on my account, why I was n't contacted about it and how this occurred. The customer service rep basically challenged and argued to try and convince me all banks do this and do not tell cusomters. <P/>Very discomforting when this Wells Fargo to protect my money as my bank and they have money disappearing from my account, do n't tell me anything or have customer service reps ready to ease customers concerns about this issue and reassuring them the money will be credited to account. <P/>They basically said they do n't have enough people to do that. Not very reassuring and will be looking at other banks with better services ratings. This is similar to the issue with the credit cards being opened, transaction being on accounts and not informing clients of any issue only if we catch it and call.
Good Morning, I sold my condo on XX/XX/2017. The title company submitted my property taxes as part of the closing. I have an acknowledgement from the City of XXXX XXXX that the funds were received. During this process my Mortgage company also submitted payment for the taxes from my escrow account. However, these funds were returned because the tax bill was paid. I have now contacted Mr. Cooper several times regarding where these funds are. I am receiving a different answer each time and am no closer to receiving a refund from my escrow account.
PayPal Resolution Center ignored their own policies in the determination of a dispute or complaint. I submitted a complaint to PayPal with whom I tried to buy a remote control professional grade bait boat from ( ( Seller info XXXX ) ) copied from the payment page on PayPal name shown. PayPal never gave me any fair chance to prove what actually happened. NOW PayPal is STALLING me from my listed ability by PayPal 's own regulations, that I can file an APPEAL since I do not agree with their seemingly biased decision in favor of the seller. PayPal declared the CASE CLOSED XXXX XXXX, 2017. YET they have NOT officially listed my case as CLOSED. This means I CAN NOT FILE ANY APPEAL. The deadline for my Appeal is XXXX XXXX, 2017. I have less than one week left to file, but am PREVENTED by PayPal. In all that has occurred, it would appear to any reasonably intelligent person that PayPal Resolution or their Complaint departments are NOT treating buyers and seller impartial and with fairness. Seller was allowed to upload images and edited text messages. I was NOT given the same opportunity even after writing and asking how I could submit my images unedited which would PROVE my truthful accounting instead of the fraudulent accounting the seller provided. I 'd hate to think PayPal in any department is compromised and part of International Fraud, but this is exactly how it seems and the only logical explanation for all I have been through. I CAN PROVE EVERY WORD I HAVE WRITTEN IF ONLY GIVEN THE CHANCE. Will you help me before time runs out? XXXX XXXX XXXX XXXX, FL
We were working on a short sale and the lender XXXX service release the loan to BSI. What the investors at BSI is wanting is illegal, and is trying to force the homeowner into a deed in lieu. This is why XXXX XXXX XXXX now has a class action suit against them. Per regulations when a loan is service released with a VALID approval the new servicer is to honor the terms. The short sale was approved on XXXX XXXX, 2016 with a closing date of XXXX XXXX. On XXXX XXXX, the approval was extended good through XXXX XXXX. The loan was transferred to BSI on XXXX XXXX ( per attached letter ). With that said, the approval was indeed valid at the time of the transfer and we would have closed by XXXX XXXX if BSI had promptly honored the terms as they are supposed to. 

BSI has been jerking me around for the past month and a half. I was originally working with an XXXX XXXX and he confirmed that BSI would honor the previous terms of approval and that we could expect an approval letter within in a day or so. Everything seemed fine until one day you were suddenly assigned to a XXXX XXXX and then started stating the investor will not allow a short sale and wants to do a deed in lieu. I will also be contacting BSI upper management/ombudsman to seek resolution on this matter in addition to filing a complaint with the XXXX. 

Thank you Kindly, XXXX XXXX Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX
I have a Care Credit Card account with Synchrony Bank for medical/dental expenses. In XXXX of XXXX Synchrony Bank enrolled me in a hardship program offering me 0 % APR for 48 months at {$45.00} a month. As of XXXX XXXX Synchrony Bank has reneged on our agreement and started charging and adding interest to my account. I have called four different times and spoke to four different managers to rectify this to no avail. I have a letter from Synchrony Bank depicting our agreement and I advised four different managers of this as well. In return I was told this is my responsibility to pay with the interest. Three managers said, the interest will be removed after the bill is paid in full. How will someone know when the bill is paid in full when interest is constantly added. This is a hardship for me seeing as I am a XXXX in XXXX and I am enrolled in a XXXX program that 's based on my income to debt ratio. Adding this interest to my account will increase my debt which will wreck havoc with the XXXX program. Please help me with this as soon as possible. I should n't be responsible for the interest per our agreement as well as a written letter stating the account will have 0 % APR interest for four years.
caller asks by first name and then proceeds to talk in a threatening, condescending manner. Would not give name, and demanding answers, that are of a personal nature ... Issue at hand is the sole responsibility of medicare nevertheless, they continue to attempt collection from self anyway.
The debt collection agency XXXX XXXX XXXX, garnished my wages without any notification or correspondence from them. I am a Veteran and I served my country to the best of my ability. I am already struggling to pay for things like housing, food etc. This company never contacted me. I had just gotten notification from my employer that my wages were being garnished. I never got a court order to appear in court to dispute the validity of this loan. This loan I believed may have happened over 35 years ago. The debt collection company, XXXX said I owe, the principal of {$55000.00} interest of {$19000.00} and the collection charges of {$13000.00}. After my wages were garnished I got a letter from XXXX, stating those above amounts. They are taking out {$130.00} per pay period. This is not disposal income.
In 2007 I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in 2007 was NOT confirmed. I was told by XXXX that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of filling. Also, the plan was never executed and was dismissed/discharged in 2007 as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XXXX of 2007. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court.
I made my mortgage payment on the XX/XX/XXXX but the payment was not applied to my account until XX/XX/XXXX
I took out a loan from Citi Health Card roughly two years ago XX/XX/XXXX. This account was created to pay for an orthodontic treatment and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from Citi notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling Citi proactively did I learn the status of my account ( and only at this point did Citi begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). 

I have spoken with Citi 's collections/settlement departments in an attempt to settle this account in full ( XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an XXXX % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. 

I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).