WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained a loan in XXXX of XXXX for {$5000.00} from Avant. While in the process of applying, I realized the interest rate was very high ( 36 % ). I was very uneasy about accepting the approval but was trying to mend my credit so I asked about the ability to have the loan refinanced internally after a period of time to have the interest rate lowered. When speaking with a representative, they assured me that if I met a few compensating factors, I would be able to refinance and have a lower interest rate applied to my loan. The factors are listed below : Request at least an additional {$1000.00}, maintain the same or better credit status and income situation. I have continually tried to refinance with every application resulting in a decline. I have asked numerous times for reasons for the decline and get the run-around from customer service. I finally received a valid answer last year, that it had not been a year since origination and they advised I wait until after a year to re-apply for a refinance. That I did. When I re-applied, I was declined again. I requested reasons for the decline and this was the response I received : 1.Income insufficient for amount of credit requested 2.Limited credit experiences 3.Presence of BK 4.Length of time revolving account has been established too short In response to those reasons please see below : 1.I make more money now than I did in XXXX of XXXX 2.I have had credit since XXXX so I 'm not sure the reasoning behind that explanation 3.I had a BK present on my credit at the time of origination for the original loan. 
4. I do have XXXX new credit cards but I have had revolving credit for over XXXX years. 

Here 's my complaint ; I feel as though they trapped me into this loan. if I knew that I would be unable to refinance the loan for a lower interest rate, I would gone a different route. I believe that my recent applications are being intentionally declined so Avant can continue to unfairly collect a high rate from me. I had no idea what I was getting into when I signed up for the loan. The process was very quick and confusing and I feel stuck. The representatives are very unhelpful and unknowledgeable when I call and ask for an explanation.
On XX/XX/XXXX I changed my car Insurance from XXXX XXXX, policy XXXX. XXXX to XXXX XXXX, policy XXXX. XXXX. Later XXXX XXXX send me invoice for {$140.00} and said that if I had insurance before cancellation date with them which was XX/XX/XXXX, they will review and cancel their demand. Despite of sending them my new insurance info, they didn't care and forward my debt to R.M.S. Collection agency. On my phone call with R.M.S. on XX/XX/XXXX, and faxing them the document showing I have insurance before XX/XX/XXXX, the report it to XXXX XXXX. 
Despite of sending copy of all docs and letter explaining the fact, they didn't care about my demand to Delete it from my report. 

I now demand that XXXX XXXX review my documents and delete it from my report. 
Thanks, XXXX XXXX
On XX/XX/2018 I was trying to purchase concert tickets while at work and found an ad on XXXX for 4 tickets for {$60.00} each, totaling {$240.00}. I started texting the person who showed me proof of purchase via XXXX email, a picture of an ID ( which may have been stolen ), and an email address ( XXXX ). They requested I use XXXX to make the transfer, which is the preferred transfer method through BofA that I have used before. I was under the impression that it was a secure money transfer method because it was through BofA and would not have to worry about fraud. Once I made the transfer, I never heard back from the person. After an hour and still no response, it was clear this was a scam. I called Bank of America to try to reverse the transaction and they said the charge was not able to be cancelled. I filed a claim with BofA and have yet to hear anything back. They mentioned this could take up to 45 days to process, and the likelihood of getting refunded was minimal to none. This was hard to believe from a company I have trusted for so long. 

Also of note - BofA was initially able to tell me that the receiving account was XXXX XXXX. I then called XXXX XXXX to try and track down the scammer with the email address linked to the given bank account. Because I am not a member of the bank, they dismissed my call and redirected me to BofA. This was extremely frustrating that the bank was not willing to investigate one of its potentially fraudulent customers.
On  XXXX   XXXX ,  2017  I received an email from Simple Support notifying me that my account was closed because it did not did not " meet the requirements of Simple 's account agreement. '' It went on to say " Your card and account are blocked so no further deposits, transactions or transfers can be made. '' I was on vacation at the time across the country and this was my only form of money. I was also concerned as I had just bought my mother and I plane tickets home the night before with this account and I saw that while it showed my  XXXX  purchase of {$360.00}, it was also showing that it was being credited back to my account. I emailed Simple Support asking why my account was closed and received no answer. I then called Simple Support and gave the customer support staff my information to verify my identity. I was told I was no longer able to have phone support and that I must email my concerns and they hung up on m e. I called two more tim es and I was hung up on both times. When Simple Support finally emailed me back, the response was " Your account has been closed and we are unable to reverse that decision. Please refer back to our original message as it contains all the information we have to provide. '' I emailed once more asking if the plane tickets I bought were even valid and I have never received another email. I was forced to buy  XXXX  new plane tickets with funds that I did not have and I am now extremely negative in my  XXXX   XXXX   XXXX  account due t o Simple Bank robbing m e.
Vompany repeatedly called and left voice mails. The last voice mail was XXXX noises
I was a resident of XXXX XXXX XXXX in XXXX, Tx. I recently moved due to a job transfer XX/XX/XXXX. I gave 30 day notice on XX/XX/2015. I was not contacted by the apartment complex until a couple of weeks ago when a collection agency sent me a notice that I owed almost {$1600.00}. I have never been notified about any past due charges prior to the collection agency sending me a notice.. I also contacted their corporate office. I was told that someone would call me back and no one has. XXXX XXXX advertises a gated community and the gate has never worked, I was without hot water for four days XX/XX/XXXX, dryers in the laundry room have been down for months, roach issues, stray cat issues. I was made to pay an extra {$300.00} deposit before moving in with no reason as to why.
Equifax had a massive data breach affecting 140M+ Americans on XXXX XXXX. Not only did they take over a month to alert the public, but executives were in the news for having sold their stock the day before the announcement. They demonstrated a reckless disregard for information security and their customers* ( *Nobody has any choice about what data they gather or store, as it is basically impossible to function in modern society without credit ). 

It has also been reported that there 1 free year of credit protection they are offering to Americans who may have been affected includes a clause that waives your right to join a class action lawsuit. Americans should not have to pay to freeze their credit, especially given the potentially catastrophic impact this breach could have on an individual 's finances. Also, credit reporting firms ( XXXX and XXXX included ) should not be exploiting this breach to market their credit protection services. 

XXXX XXXX XXXX
My identity was stolen in 2012. One of the address 's is listed as mine on the credit report along with three phone numbers and a spelling of my name that I don't recognize. I would like the address, name, and phone numbers removed from the report. Criminal charges where filed they where found to be guilty and are serving out sentence.
I have been a Discover customer for about 3 years, with that I have one credit card and one Personal Loan. The amount owed on the personal loan is {$4300.00} and {$1300.00} on the credit card. On XX/XX/XXXX my baby was born and I was going through extreme financial hardship. The months where the accounts were not paid were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To begin Discover had the incorrect Mailing Address on file therefore I did not receive any statement, balances or mail from Discover. I was getting constant calls at work reminding me that I had late payments due and asking me " how would you like to pay this amount ''. Discover is only worried about me paying off my balance rather than trying to work with me.Not only was I interested in getting my account current, I was also interested in paying off the full amount. They have repeatedly expressed to me that they refused to work with me even if I pay in full. They have put me in a stress full situation where my credit score is so low that I can not qualify for a Mortgage. They have put me in a position where I am Financial unstable.
My daughter has made payment arrangements with Navient for student loans on which I am the co-signer. The arrangements are in effect yet they persistently call several times per day even on Saturdays and Sundays!! They called on XXXX occassions when my daughter was at home and she spoke to them about the arrangements that were made and asked that the stop calling.
XXXX XXXX ( XXXX XXXX XXXX ) Lost in court over a {$6400.00} Collection claim on XX/XX/XXXX I received a judgment in my favor. Since then it is still on my credit report negatively affecting my score. They have violated my rights and have slandered me to the point where I can not get a loan, due to the fact that this is still on my credit report for almost a year to the day. All three credit reporting agencys : XXXX, Trans Union & XXXX are aware and are in possession of copies of my proof the judgment in my favor was mailed to all three of them XX/XX/XXXX. Since then I have received three months worth of updates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX from all of them saying the investigation results are verified and updated the disputed item was verified as belonging to you and information was deemed accurate ... .... I would like you to please send complaints to all three of them they are all in violation of the fair debt credit act as well as the creditor. I have called them several times and they will not give me an answer they will not give me anything to go on. I also received a letter from Trans Union saying that XXXX XXXX was deleted from my credit report on XX/XX/XXXX but all three credit reporting agencys are still showing on my credit report and it is over {$9000.00} that is still reflecting negatively on my score I would also like you to send a complaint to them regarding this as well.
My Mortgage company ( Embrace Home Loans ) keeps transferring my loan to different companies for servicing. Their latest company is XXXX. However, after receiving the notice of transfer I still can not pay my mortgage or log into the provided website to check my balance. Also, the the XXXX customer service number is not working. 
The phone number for Embrace Loans is XXXX extension XXXX for the President XXXX XXXX. I 've called Embrace, XXXX, and XXXX and nobody can help me. Also, all the customer service people are located in the XXXX.
Last XX/XX/XXXX, I deposited a check in the amount of {$5000.00}. The ATM machine did not inform me of any hold unlike before where it will tell me when will the funds will be made available. In this case, on the next business day, the funds are not available and i called customer service and I was told there will be a hold of 7 business days. As of this writing, the funds are still not available. 
It is my impression with the new laws allowing for faster electronic transactions, funds will be made readily available as soon as funds were verified, UNLIKE before. How come my funds were still withheld this long? It is XX/XX/XXXX and still funds are not available. I tried and talked to them more than EIGHT times in this situation and still no resolution. I was even put on hold and they INTENTIONALLY cut me off thrice. CHECK THEIR PHONE RECORD CONVERSATIONS ( if they do have it ). Please help
ALL CREDIT AGENCIES REPORTING OUTDATED AND FRAUD ACCOUNTS/ NEVER DONE BUSINESS WITH COMPANIES ... .REMOVE FROM CREDIT FILE ASAP ... '' PUBLIC RECORDS XXXX BANKRUPTCY XXXX X ON FILE, DATA CENTRAL XXXX ON FILE, XXXX XXXX X ON FILE, XXXX XXXX XXXX XXXX ON FILE ''
On XX/XX/2006 me and my wife got a Home Equity Line of Credit from XXXX XXXX XXXX. for XXXX. Than that following month we asked for an increase of another XXXX and we got it on XX/XX/2006 so a new loan number was generated for a total of XXXX. Since than I have settled this debt with XXXX XXXX XXXX. and received Full Reconveyance on XXXX. The first HELOC loan was never given Full Reconveyance for the XXXX since this loan was an increase XXXX XXXX should have closed the first loan account as it generated the other loan account. XXXX XXXX XXXX XXXX. operates as a subsidiary of Ally Financial Inc . I have both loan numbers, the Full Reconveyance on the XXXX and a Title Report.
On XX/XX/XXXX I received a phone call from Compass Bank asking if I made purchase for {$560.00}. I said no, they replied that it was fraud and they would decline the charge. I noticed the charge was on my bill. I called and they said there was no report of this being fraud. I tried to set up an online account and there was already one set up with a password by someone else. I called again and they shut it down and filed the fraud complaint again. The charge was never removed so I called again. Once again they said the fraud was not registered. I went to the bank and spoke with XXXX XXXX XXXX. She also said no fraud was registered and submitted one again while I was there and sent me a confirmation email on XX/XX/XXXX. As of today, XX/XX/XXXX the charge is still on my account.
Gordon, Aylworth & Tami, P.C., on behalf of XXXX XXXX XXXX XXXX sent me a summons and complaint that they were suing me for {$590.00} for a XXXX XXXX account I had never opened nor authorized. I did not ever receive any communications from XXXX XXXX, XXXX XXXX, or Gordon, Aylworth & Tami, P.C.,  and had no knowledge regarding the fraudulent account, until I was handed the summons at my door on XX/XX/XXXX. I filed an appearance and an answer to the complaint, denying that the debt is mine and that I was a victim of identity theft. According to the papers sent by the attorney, there is a statement of charges totaling approximately {$220.00}, which were not made by me. I have not received any documentation with my signature either, showing that I opened or authorized the alleged account with XXXX XXXX. I was only sent generic copies of papers from XXXX XXXX and papers from various firms, including XXXX XXXX, with a data file account blacked out, but nothing that specifically states or validates that they purchased an alleged account with my name, or were authorized to collect on alleged account. ( which they would have been fraudulently collecting on, since I did not open or authorize any account under my name! ) The account, per the documents I was sent, was opened in XX/XX/XXXX, and was closed in XX/XX/XXXX. In XX/XX/XXXX I was contacted by USPS and also had contact with the IRS, regarding someone attempting to change my address to an address in XXXX. As I had not known about nor heard about this debt, which is not mine, until a little under a month ago, I feel my rights as a consumer have been blatantly violated, because I had not received any prior communication or notification regarding the fraudulent debt from XXXX XXXX, or XXXX XXXX, until I received the summons at my door, that I was being sued, on XX/XX/XXXX. So, from XX/XX/XXXX to XX/XX/XXXX, I had no knowledge of the account, nor communication from the aforementioned companies, that would have enabled me to properly dispute the account and charges in a timely manner. Thank You for your time and attention to this matter. 

Respectfully, XXXX XXXX
As a XXXX customer, I was out on vacation and I was charged, {$130.00} for local calls in XXXX timeframe, I disputed and they kept saying I made international calls. I have sent letters to FTC and XXXX complaining the same. They have not only reported me to credit beareau, my complaints to the credit beareau, FTC and XXXX has gone unnoticed. To make matters worse they have refreshed the report again on my credit history, this has caused me XXXX to no end. I have disagreed to pay and fight this illegal charges on my principles of fight the corporations for there egregious mistake. Please help me resolve this charge on my credit report.
When Ocwen first took over our mortgage in 2012 the balance that was owed was {$71000.00}. 
We were approved for a modification with a lower interest rate with Ocwen. 
Ocwen now states that we owed a total principal balance of {$96000.00}. 
Ocwen Account # XXXXI have asked one of the representative that has been on our case for a few months, she has no answer to this question & states that is the balance that was in the modification agreement. 
We have contacted your company in regards to different questions regarding our account & have been able to get them resolved. 
Hopefully, someone can explain to us where the equity credit we should have went. 
Thanks for your assistance regarding this situation, we look forward to hearing from someone soon. 
-The XXXXXXXXXXXX
I owe XXXX to XXXX XXXX  for a title loan. I took out a loan for XXXX I have been paying on for almost 2 years. I have paid almost XXXX for a XXXX loan. I valled in XX/XX/2018 to pay off the loan and they would not accept my payoff stating that i could not pay off over the phone however, i had been making payment for the last 2 years over the phone. XXXX XXXX has my correct address, phone number, sovial security number and drivers liscense however, they continuiously contact my family members and attempt to collect thos debt after i already tried to pay ot off. Just today at XXXX. They contacted my mother and father who are both elderly and fighting XXXX and attempted to get information about me from them even though they know exactly where i live and they have my contact phone number. They call me several times a day and send several text messages. I asked them to please stop calling my family and they stated that they would continue to call until the remIning amount of XXXX was paid. They have contacted both my daughters, my daughter in law and my mother asking for information evennthiugh i have been in contact with them via phone and text message.
During the transfer of my loan from my loan originator, XXXX XXXX XXXX to Pacific Union, there was a miscommunication that has resulted in an unnecessary increase in my monthly mortgage payment. When I closed in XXXX of XXXX with XXXX, my mortgage payment was {$910.00} a month. While the loan was being transferred, Pacific Union Financial instructed my loan originator, XXXX XXXX XXXX, to hold half of my escrow from when it was set up at the closing plus the first mortgage payment I made in XXXX XXXX to cover the 1st half of property taxes due in XXXX XXXX and the first mortgage insurance payment to HUD. Instead of following their own instructions, Pacific Union Financial decided to make the 1st half of tax payments due in XXXX XXXX and this caused my escrow balance to go to a negative balance. Also, my homeowners insurance quote I received at closing ( {$480.00} ) and the final amount for the policy ( {$710.00} ) changed several months later. When my mortgage servicer performed their escrow analysis in XXXX XXXX, they miscalculated the amount of homeowner 's insurance and the shortage in my escrow account due to Pacific Union Financial paying the property taxes earlier than they had agreed. I have attempted to get this resolved internally with the escrow department but I do not seem to be getting anywhere for someone to properly research the issue. This has caused my payment to rise to {$990.00} a month to make up the difference in my escrow account. I fear that once my local county tax commissioner 's office sends out the tax bill for this year ( XXXX ), there will be another issue because my tax bill will be reduced from the previous year. If you need to reach me for further assistance please contact me at XXXX
On or about XX/XX/XXXX I filed a complaint against my XXXX & XXXX credit card. The statements had incorrect info on them-causing me to miss the chance to enter a payment plan w them. They responded to complaint w an apology & offered to help me get into a payment plan. After MONTHS of them trying to figure out the right person of contact & getting my account out of a 3rd party collection, they set me up w a payment plan. I was told that I could make payments in the store. On several occasions, when going into the store or calling the payment in-the representative was unable to locate my acct & could not take my payment. I emailed XXXX XXXX to inform her & she directed me to contact another dept. I was then able to make my payment. However, once again in XXXX/XXXX I was unable to make my payment. The account could not be located. I tried the number I was given by XXXX XXXX, but it was not a working number. I tried calling another dept, & emailing asking for help. I sent in 2 payments, via mail. The payments were never processed. I have tried calling to correct the problem so many times. But I have not been able to speak with someone who can locate my account information. I have now been receiving letters and calls from collection companies, threatening to report me.
Yesterday my credit report showed a hard inquiry for financing that I did not authorized. Contacting the financing company was impossible via phone call - so I left a message thru the " Contact us '' thru the website.   this is the company that reported a credit inquiry for financing that I did not authorize :  CRACCEPT/CAC   XXXX   XXXX ,   XXXX   Finance Creditor Contact Details CREDIT ACCEPT CORP/CAC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  XXXX  (  XXXX  )  XXXX
Contact people came to my home XXXX visit they used vulgar profanity and I felt that he therend me, essive phone calls to my sister, XXXX man comes to my home very rude therting me I go inside home he stands on my porch yelling very loud that her lives a woman will not pay her bills could hear him all around the street I called law but he was gone before they arrived, I was served to appear in court with no court date then man calls me with news that he filing judgment got throes papers few days ago.This company has broken every collection law against me so much harassment, I need help with this matter, please.
I paid off my mortgage with Loancare / XXXX XXXX over two months ago and they will not send a release of trust deed to the county clerk, nor send me the cancelled promissory note, etc. Each time I contact them they give me a different story and a run-around. One time they say it was sent to the County the day after I paid it off ( the county has no record of receiving anything ), another time they say it has n't been sent to the county yet ( which is simple for them to do ), etc. They received the full payoff funds via wire transfer, and they show the loan paid in full on their web site. They give different lengths of time to wait, etc. always longer than it has already been. Reading other reviews on the web about them it 's common to see they do n't act reputably.