WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Select Portfolio Services several times over the last 2 years to find out if we would qualify for a loan modification, due to financial hardship from house repairs and other unexpected expenses. I was unable to make a full payment every month, yet they would not take partial payments. I provided all the documentation ( so I thought ) to them, over a year and a half ago. We then filed a personal bankruptcy in XXXX XXXX to help get us back on track, which did help, but we were still unable to pay the mortgage. We did not include the mortgage in the bankruptcy because we were still waiting to hear regarding the modification. In that 6 months prior to the bankruptcy, SPS asked for additional information ( some of which I had already provided ). After the bankruptcy, they continued to say they needed updated information, new signed docs, new hardship letters, etc. 
This continued for all of XXXX. While they still had n't approved or disapproved me, they referred my account to a legal team to move forward with a foreclosure. Luckily there is no sale date yet, however, they did finally get back to me stating that I was not approved. While they base it on your gross income, they decided we made enough money to be able to pay the loan. 
Well, we do n't with all the expenses and still trying to pay off loans for house repairs. Then they said I did n't make enough money, however, to qualify for the repayment option. So, it took them almost 2 years to tell me that. Now, I am in complete default, so no one will lend me any money, and if I want to keep my house, I will have to file Chapter XXXX so that means legal fees that I do n't have and they will put me on a repayment plan that I ca n't really afford. 
Oh, but if I can come up with at least $ XXXX, they will reinstate my mortgage. 
What a bunch of XXXX! After letters, upon letters, upon letters, stating how much they want to be able to help you. " There may still be something you can do. '' Yeah, you can put me off for almost 2 years so that you can just move ahead with the foreclosure you knew you were going to move forward with anyway! Thanks!
My latest credit report ( XX/XX/XXXX ) indicates a hard inquiry by " XXXX '' ( XX/XX/XXXX ) and " XXXX '' ( XX/XX/XXXX ). It is my understanding this is XXXX XXXX and its affiliated companies and Citibank and its affiliated companies. 

For the record, I have not done business with any of these companies. I have not made a request for credit with any of your companies. I do not understand why these businesses would place a hard inquiry on my credit report. 

I would certainly be interested in an explanation by the Banks or businesses that placed this hard inquiry ; otherwise, I request that this hard inquiry be removed. 

I have mailed out similar complaint directly to the company.
On XXXX XXXX 2017, I contacted PayPal Credit to dispute an unauthorized inquiry on my credit report. On XXXX XXXX 2017 they replied and asked that I provide my birthdate, last four digits of my social security and the date of the inquiry so that they can find the account and request a deletion. On XXXX XXXX  2017, I replied and requested that they delete the inquiry if they did not have enough info to verify the account which proves that I did not apply for their credit services. On XXXX XXXX 2017, they sent me the same letter asking that I provide my social security number and date of birth. I would like this inquiry removed from my account because it was unauthorized.
XXXX XXXX listed a debt collection on my report for an amount of {$14000.00} for a car loan. On XX/XX/XXXX I wrote to Experian, I wrote to XXXX on XX/XX/XXXX, And on XX/XX/XXXX I  wrote to XXXX. I wrote to them sending them proof that this account must be deleted from my credit report because it was reporting inaccurate information. And on XX/XX/XXXX I received a letter from XXXX explaining their investigation procedure. On XX/XX/XXXX Experian informed me that the information I disputed had been updated. And XXXX NEVER RESPOND TO MY LETTER WITH ANY STATEMENT NOR LETTER. So on XX/XX/XXXX, I wrote to XXXX XXXX requesting a debt validation for this car loan which they say I owe. They sent back a letter stating I need to give them further information from the credit bureaus in which they are the ones reporting this inaccurate information to the bureaus. Shouldn't they have the information that they are reporting on my credit file? So on XX/XX/XXXX I wrote XXXX XXXX, AND EXPERIAN THE SAME LETTER SENDING THEM PROOF THAT THEY WERE REPORTING MISLEADING AND INACCURATE INFORMATION ON MY CREDIT REPORT FROM XXXX XXXX. After I requested in writing from XXXX XXXX TO VALIDATE THE DEBT IN QUESTIONED. AND THEY HAD NO RECORD OF THIS INFORMATION AND THEY STILL COULD NOT PRODUCE A VALIDATION BEARING MY SIGNATURE. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request full removal of this debt associated with any of the credit reporting agencies ASAP
I signed up for this secured credit card with high hopes of creating positive credit lines. I have experienced the total opposite. Despite my efforts i am shocked to have experienced such unprofessional and bad service from a company. Beginning on XX/XX/2017 i spoke with XXXX XXXX agents on several occasions in regard to ongoing issues affecting my accounts. Issues ranging from miss-sent and delayed arrival of cards, no pin numbers sent during activation process, updated address not being correctly recorded and having to reorder replacement cards. Due to these and several other errors ; the cards were never used. I received billing statements shortly after requesting payments on both accounts with late fees attached ( for cards i did not have in my possession ). After speaking with XXXX, XXXX, XXXX, XXXX and numerous others ; i was assured that the late fees were a result of a " glitch '' in the system, and that the late fees would be reversed and removed to due to company error. After several months of ongoing waste of time and misleading information i was forced to close both accounts. During this process XXXX XXXX also reported fraudulent remarks to the credit agencies on each of these accounts. I have attempted to have his information corrected and been lied to by management and customer service agents. After months of waiting for refunds to be expedited by fax request ( XXXX ) and via certified mail ; i contacted XXXX XXXX to inquire about the delay in processing my request. I spoke with an agent who made excuses as to why i could not speak to a supervisor ( happens often ). I was placed on several holds that lasted a minimum combined total of 30+ minutes while the supervisor avoided me. After XXXX finally received my call i inquired about {$37.00} being deducted from one of  my refunds. In previous conversations i was informed that i was entitled to and would receive a full refund due to having never been able to utilize either card. Upon my conversation with XXXX ( XXXX  ) claims that a purchase was made for {$8.00} in XXXX and is the reason the money was deducted. At no other time was this " {$8.00} charge '' ever mentioned in any of our previous conversations and i informed him that the charge does not belong me to me. I never utilized either card.
I applied for the payday loan on XX/XX/XXXX for the amount of {$600.00}. The {$600.00} was deposited into my account on XX/XX/XXXX. I have been charged {$180.00} every two weeks beginning XX/XX/XXXX. I called today, XX/XX/XXXX to pay off my loan only to be told that amount owed would be {$720.00}. I explained that I have been paying the {$180.00} every two weeks and I'm paying off this loan two months after receiving it, there should be no way that in order to pay it off I would have to pay {$120.00} over the amount I initially borrowed after paying the {$180.00} since XX/XX/XXXX every two weeks. I explained this is almost illegal and that I would be reporting them. They sent me an email stating that because it is a tribal loan that they have a right and I signed off it.
I have a credit card with Citi bank and in the last two weeks. My card has been compromised and unauthorized charges have been placed on a duplicate card out of Florida. XXXX in XXXX with my XXXX card and yesterday in XXXX, FL. My cards have the chip technology but also the mag strip. I am requesting that Citi assign me a pin. I have also asked for this capability from XXXX. I think banks should provide a pin if requested. I also think it should be illegal for banks to charge more for a signature based transaction that a pin based transaction. The security provided by the chip as it is currently being viewed is for the security of the bank. Not the security of the consumer.
I filed a dispute with TrasnUnion contesting the fact that when I contacted the agency XXXX XXXX XXXX, they were unable to provide a financial statement spelling out how much I owe, the terms of payment, etc. I attempted to call directly the timeshare company, which is NOT the agency reporting, and was transferred to another collection agency, a different timeshare agency etc. Still nothing in writing explaining the reporting on only TransUnion account. I was told by TransUnion they are satisfied with XXXX 's electronic response of " the information is correct '' and they are satisfied closing the dispute. 
Am I not entitled to receive written information from the agency filing against me? There was no reporting since XX/XX/XXXX, and then XX/XX/XXXX states 120 days past due.
I was shopping for a line of credit, and inquired with City National Bank in XXXX, Ca. When they related the terms, I took some time to compare their offer with products offered by other banks. They hounded me to try to close the sale, but I hesitated, because I was not convinced that the rate and terms were optimal. 
Eventually, they sent me a copy of a 'notice of adverse action ', which they forwarded to XXXX , citing insufficient income ; yet, they never declined the loan offering. It was only when I did not respond, that they took this apparent punitive action. I can produce phone records that prove I never called them after I discovered their product was not attractive ; but, they continued to call me and left voice mails trying to induce me to consummate the loan.
On XX/XX/2018, I received notification from XXXX that a collection was added to my credit reports. The XXXX agency is listed as XXXX and the original creditor is listed as XXXX XXXX XXXX. I reached out to XXXX, Equifax, and XXXX, informing them I have a bill from the original creditor listing the past due amount as {$1000.00}. The amount listed on my credit reports was {$1000.00}, it was recently updated by XXXX to reflect {$1000.00}. This amount is still incorrect and should be removed for inaccuracy. Also, the date opened listed on my reports is incorrect. XXXX has XX/XX/2018, the correct date is XX/XX/2018. I have asked each of the bureaus to remove the account due to inaccurate information listed. XXXX  stated they could remove it but the collection agency could put it back on my report with the accurate balance and correct date opened. This is turn would drop my credit score again, and appear to be a new collection account. Equifax stated once the account is removed the collection agency would NOT be able to put this account back on my report. XXXX  stated the collection account is not listed on my report. I would like for this account to removed from both my XXXX  and Equifax reports due to inaccurate information listed. Also, I never received notice from XXXX notifying me of the pending collection. I have attached a copy of the bill from XXXX XXXX XXXX and a copy of my credit report showing the inaccuracy.
Back on XX/XX/XXXX XXXX XXXX employee ( wells fargo employee in customer service ) got back to me on all the documents i sent as requested, ) She said this would be forwarded to finance? To get my monthly payment between {$500.00} to {$900.00} dollars but never happened. 
So still under foreclosure so i got XXXX XXXX involved and sent them 33 pages of paperwork ( statements, elec bills etc ) nothing happened and still under foreclosure. 

Then i got a notice about 2-3 weeks ago that my house is up for Auction XX/XX/XXXX! 
So now XXXX is coming back to me ( working with someone from Wells Fargo??? 

I do not that anything is going to be done and i will be on the street, I can not take 5 rooms of furniture and put it in a trailer. I bought this house in XX/XX/XXXX as only 1 stair as i have difficulty with stairs XXXX XXXX XXXX
During a background check for my new employer, I was shocked to find address for my in other States that I have NEVER resided. I immediately notified each credit bureau and had a fraud alert placed on my Social Security Number. In addition, I have repeatedly disputed the following inquiries and nothing has been done. Additionally, I only request credit for myself under XXXX XXXX XXXX and that should be the only name on my record. I would appreciate the removal of the following hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX 2. XXXX/XXXXXXXX - XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX
I have asked my mortgage servicer loan care for a modification. I faxed them my package as they requested along with all documents they needed, and I am yet to hear from anyone about the status of my request. The package was originally sent X/XX/17. I called back 3 or 4 business days later to confirm my package was received, and I was informed it was received and allow 30 days for a decision. I then called back XX/XX/XXXX for status, I was asked to send additional items and I did that same day. I was informed then that it would now be sent to an underwriter for a decision since nothing else would be required. I have called back at 1 a week for status and each time I ask to speak with XXXX XXXX who is my point of contact, via a letter he sent. I never speak to him or nor does he return any calls. I keep asking for status, anything an I get nothing but the run around. This company needs to help customers like myself who lost employment and need help. THEY claim to be willing to help. I 've left several messages, no calls no letters nothing. I ca n't keep borrowing money to pay my mortgage. I also cant risk ruining my credit, I work in the mortgage industry myself and I am required to pass background checks to get a job. I ask that this company be held accountable for their service, as a consumer I have rights.
XXXX XXXX was included in my chapter XXXX Bankruptcy from the beginning. It should not be reporting open nor should it be reporting late. I have contacted the company and they was supposed to stop in the month of XX/XX/XXXX. This is a clear case of false status.
" Due to hurricane IRMA on XXXX XXXX, XXXX, we submitted an insurance claim for damaged and lost personal property. The insurance company made the check payable to us and Roundpoint Mortgage Servicing Company, NMLS ID # XXXX. We sent this check in the amount of {$3700.00} to them on XXXX/XXXX/XXXX for their endorsement and return but still have not received this check back. I try calling them and their phone system keeps dropping the calls. I e-mailed them with no response to date. We are trying to replace personal property and can not do this until we get the funds returned. It should n't take this long as their mortgage does not encumber personal property. This was explained to them in my transmittal letter sent with the check. It is making me nervous that they are unable to be contacted nor do they respond to my e-mails. '' This is the original complaint. We originally sent them the statement of loss from the insurance company on XXXX XXXX, XXXX which identified the payment for loss as " contents '' and also more recently the personal property inventory listing. Continue to have difficulty getting through on their phone system, no response to e-mails or messages left on their website and " Chat '' representative could n't help. Still have n't received our insurance proceeds.
I have attached 2 complaints against XXXX XXXX. 

I has disputed XXXX XXXX XXXX XXXX  that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing,  and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1. For reporting an item that had already been removed 2. Not responding in a timely manor. 3. Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. 

I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. 

Please remove immediately.
They took {$200.00} from my bank account as a security deposit. I had to wait until I received the card to cancel it and that took ten days. Once I got the card I canceled it but I was told I wont get the money back for 2 months and then it would take an additional 10 days for a check to be mailed back to me. I am on a tight budget and cant afford it. I did not even use the card.
My mortgage was purchased from XXXX by PennyMacUSA at the end of XXXX 2015. I 've called support, emailed support, filed a better business bureau complaint, and I can not get PennyMac to assist me with online account access to view my mortgage information. When I called support, the support representatives have told me that the website does not work and that they get a lot of complaints, but that there 's nothing that is currently being done and no way to assist in providing me with online account access. I request an account reset from the website and never receive an email to reset my login which is not working and I also never received a response to my complaint I logged via the website. It 's not fair to me as a consumer for my loan to be purchased from a company that provided me online account access and responses to my inquiries to PennyMacUSA which does n't meet a basic standard level of service and support. 

There are many complaints all over the web with other consumers faced with this same situation - PennyMacUSA bought our mortgage loans and has failed to provide a basic level of service of the previous mortgage lender.
Ad Astra Recovery Services has been trying to collect a Debt that has been paid in full. They also have entered the information on my credit bureau file showing i still owe the debt with a negative entry. I never received any communication from the original creditor that I still owe this debt. This debt with XXXX ( the original creditor ) has been paid in full. XXXX is evening emailing me on a daily basis to let me know that I can be approved for another loan with their company. I also have screen shots showing that I have no loans outstanding and that my account is paid in full.
After 35 years of employment, my job was lost I filed chapter XXXX repayment plan and the mortgage company only reduced my mortgage {$27.00} monthly after giving my part time salary and the repayment which is XXXX monthly. They refuse to offer me nothing but foreclosure. I have lived in my house for 15 years and asking for temporary assistance and they refuse
I am trying to refi my home with a VA loan from Loan Depot. They are telling me that I am not the Title holder based on their search. I have checked with XXXX County and they confirmed that I am official Title holder. Loan Depot 's representative, XXXX XXXX told me they will not allow me to to contact the Title search company that is in error What can I do?
I have tried numerous times to get my free credit report from XXXX XXXX XXXX. It keeps looping and giving errors so that I can not obtain my credit report.
I have several student loans totaling {$17000.00} with Navient and my co-payer 's ( Parents ) paid one off in full {$5000.00}. 
My father co-payor called Navient on or about XX/XX/XXXX to inquire about any easy payment plans or deferred payment plans or income based loans. The call was recorded as they stated. 
I was advised by their customer service unequivocally there were no programs to help me repay he loans just pay the loan. 
Now I find out they should have helped me. 
My income was {$12.00} per hour and they could care less and offered no help on repaying this private loan. 
I would like to be included in the lawsuit due to their lies and no help. 
I have federal loans totaling {$63000.00} also who deferred payments until XX/XX/XXXX and payments will be based on my income, which is what Navient should have done.
There is a account from Capital One bank on my credit report, I have never had an account at Capital One bank.
There was a coding error with a Doctors visit ( XX/XX/XXXX ) which was resolved with XXXX XXXX billing Dept. XXXX XXXX picked up the collection. In a 3 way phone conversation ( XXXX billing, XXXX and XXXX XXXX XXXX, XXXX XXXX Billing Dept. told XXXX XXXX that they were not the collection company authorized to make collection and that there is a XXXX balance on the XXXX XXXX Account. XXXX XXXX Billing Dept. Forwarded a two year billing history to me, which was sent to XXXX, XXXX, and Trans Union credit reporting agencies. All XXXX Reporting agencies did not acknowledge the reporting documents in the investigation. Because XXXX is the only agency that has a telephone number to resolve issues. I made a reinvestigation with XXXX only ( ref # XXXX ) XXXX at XXXX stated that there were no notes regarding the billing history in their investigation. I am convinced that All XXXX agencies took the same lack of investigation. 
In addition to the lack of investigation, XXXX XXXX was requested to send an itemized account regarding this issue in XX/XX/XXXX and has not been delivered to this date XX/XX/XXXXIn conclusion, I am not apposed to paying a debit that I owe. I do not feel that a persons credit should suffer as a result of a wrongful case management.