WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage was sold to Freedom Mortgage in late XXXX 2016. Our previous mortgage company sent a check to pay for the ( entire ) homewowers insurance ( {$1800.00} XXXX on XXXX XXXX. Then, Freedom Mortgage sent another check ( for {$1800.00} XXXX on XXXX XXXX, paying it twice. We found out about this when we received a check from our homeowner 's insurance for this double payment. My husband called Freedom Mortgage and ( after being told it was " impossible '' for it to have been paid twice by someone at Freedom Mortgage XXXX, was told to send a check with out account number and a note to " add to escrow shortage '' to a specific address. A check with those specifications was sent to the address given, and it was cashed in XXXX. I have a copy of the cancelled check from my bank. In XXXX 2016 we got an escrow statement showing our escrow was way below what was required by law -- -because they had never credited that check it to our escrow account. I have no idea where it was credited, but not to our account. We called and we were told to submit a copy of the cancelled check and a description of what happened to their customer service email address. We did on XXXX XXXX. And we heard nothing back. Then I sent another email ( forwarding the original with a new note saying we had n't heard anything regarding the issue ) on XXXX XXXX. I sent a XXXX email on XXXX XXXX, asking to please let us know the status within 24 hours. Nothing. So I wrote again yesterday again asking for an update within 24 hours, still nothing. I want to know what happened to our {$1800.00} and have it properly credited to our account!
I received a letter from American express after I filed the initial complaint # XXXX. In the letter, they acknowledged the issue and promised to resolve on or before XXXX XXXX, XXXX. However, XXXX months have passed and nothing has been done to resolve this issue.
Hello, I have tried numerous time to get in contact with my private student loan provider. Originally the student loan was with Chase bank, who informed me they sold my student loan to XXXX. I am aware I have defaulted on my loan. I have received no paper statements or bills to warn me that I was nearing default. Chase is stating that they have no record of the student loan and referred me to XXXX. XXXX has informed me that I am not in the system and that they as well have no records of my student loan. The loan default does appear on my credit reports. The last time I called both Chase and XXXX was on XX/XX/XXXX as well as various previous occasions. I am completely unable to track down my student loan info to resolve the default status. Before the loan defaulted I had been in contact with Chase bank ( XX/XX/XXXX ), they would not offer my any payment solutions to help me resolve the past due balance. I had been hospitalized for 45 days and had proper documentation to provide that I was in the middle of an economic hardship due to health reasons. In addition to this, I live in XXXX TX and was affected by the Tax day floods, as well as XXXX XXXX floods and hurricane Harvey, That is to say 3 years consecutive of natural disasters that prevented me from being able to get to work and gain compensation during the time that all major roadways were flooded. At the current moment have not been able to get any information on where or whom carries my student loan, how to resolve the default, any balance info, and have not received any proper documentation. I look forward to hearing your response. 
Sincerely, XXXX XXXX XXXX
Nelnet is showing that I have two late payments from 2014. My student loans have always been in deferment due to me being in school. I have contacted the loan company about these late payments. I informed them of me being enrolled at the time and explained that my loans should have still been in deferment. I was also in the process of getting my loans consolidated. These late payments are hurting my credit tremendously! I should not have any late payments. As I have stated i have always kept my loans in deferment.
I can not believe the level of incompetence and lack of oversight by your agency, the auto industry is rampant with fraud and abuse against consumers. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Owned and Operated bi XXXX XXXX and XXXX XXXX who were previous owners of XXXX XXXX XXXX and were shut down by XXXX prior to their bankruptcy and now they are engaging in the same fraudulent activities including straw buyers and phony income to sell cars to unsophisticated consumers which is a Federal Crime. there finance department is run by a felon, XXXX XXXX and they are taking advantage of thousands of consumers by not disclosing terms and bait and switching at the time of sale with high pressure tactitcs. I attempted to buy a XXXX Dodge Durango with no income or employment I was told not problem all I had to do was come up with {$1000.00} and it would be {$750.00} per month for 6 years, how can this be? I declined and they continued to harrass me, They have been doing this for years and your agency is turning a blind eye to the real problems and fraud being committed. If action is not taken I will be notifiying the NYS DFS, FBI, state and local news agencies and every outlet to expose their fraud and your incompetence at enforcing the laws, I trust this will be taken seriously and you look into this company and it 's owners before any more innocent people are harmed.
I have a federal student loan from XX/XX/XXXX, and no matter how much I pay, I ca n't seem to get this loan paid off. In XX/XX/XXXX it was for {$31000.00}. I graduated from the program ( it was a graduate program ) XXXX years later, and began to pay the loan. In XX/XX/XXXX, I was home on XXXX and since I was working XXXX meant no income. I made arrangements for a forbearance. At no time was there any mention of increased interest or fees. However, when I began to work full time again in XX/XX/XXXX ( I actually began to teach as an adjunct in XX/XX/XXXX, but the pay was very low ), I began to make full payments again, and that was when I saw that my loan had ballooned to {$38000.00}!. I have been paying more than the monthly amount for years now, and the loan reduces very slowly. It does n't seem correct that after all this time, I am still paying this loan back in XX/XX/XXXX. Please look into my situation and see if something is incorrect. Thank you!
I 've disputed multiple inquiries with Transunion regarding   XXXX   XXXX   from  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  as well as   XXXX   XXXX   XXXX  from  XXXX   XXXX ,  XXXX . Each time I 've disputed with Transunion, the response came back the same saying that they were in fact authorized inquiries. When I requested proof from the companies myself, I received letters verifying that the dates for the inquiries in question they have on file were from  XXXX  and  XXXX . When trying to reach out to  XXXX   XXXX  via letter, I received the letter back as undeliverable. How can one verify authentication by their only means of communication presented ( mail  )  to not be a valid address???     The system they are using is providing false information and they are not actually doing their due diligence and protecting consumers.
On the date of XX/XX/XXXX an account was opened in my name for a XXXX XXXX account in the amount of {$900.00}. I joined the XXXX and left for XXXX XXXX XX/XX/XXXX. When checking my free annual credit report around XX/XX/XXXX, I noticed a collection from AD ASTRA RECOVERY SERVICE with XXXX as the original creditor. After calling XXXX XXXX about this matter, they told me that this account was in collections with a third party collection agency and that I needed to contact them for payment details. I kindly explained to XXXX XXXX that this account was not opened by me, but they kept pushing the fact to call the collection agency and was done talking with me. AD ASTRA RECOVERY SERVICE did not help either, all they kept pushing was that I owed {$900.00} and how would I like to pay it. I explained to AD ASTRA RECOVERY the same thing that I explained to XXXX XXXX, I joined the XXXX and left for XXXX XXXX XX/XX/XXXX to XXXX XXXX, GA. where I remained for 2 months and 1 week. AD ASTRA really blew that off and was still asking for payment. I have been disputing this collection for over 4 years now and I keep getting the same results which reads " Account information disputed by consumer, meets FCRA requirements ''. The last update was XX/XX/XXXX and this account is still open and hindering me.
I attended a school online. XXXX XXXX online. I applied for F.A.S.A I felt that I could handle the payments. When I stopped going to school, I was told the school closed. I called them the other day and only the online school I attended had closed. The people that I had received the loan from did not notify me of any bill or payment plan or management. A few months later, I received a paper from them saying this bill was paid in full. Then I was notified by Navient to pay up. My payments were XXXX a month. I had been on XXXX for seven years and was afraid I could not even get a job. i recieved threatening phone calls from Navient and told I would have my bank seized and would never be able to get another student loan. I was told where to find information about this bill. So I looked on their web page. They are charging me double what the school costs. They sent me a letter saying it was a federal crime to lie. So I am being cheated and do not know how to get out of it.
Bank of America reported a " data compromise '' and issued a new ATM card. They have done this to me on at least 3 other occasions. 

When I asked for details about this compromise, they said it was sensitive information and could not disclose it to me. 

I asked how they were notified of the compromise and they again refused to answer. 

I do n't want to do business with the merchant or other company responsible for the compromise and Bank of America 's lack of transparency makes this impossible.
My account came low and. Got overdraft. I made deposit .. but PNC charged me overfraft fees and NSF reverses fees.  Figuring everything up.. they charged me doubt the amount for it all. I was {$1400.00} negative and they charged me {$2200.00} .. ten they return few things and charged me twice for reverses fee ins twice for overdraft fee for one item.. it makes more sense to cover the check and left me pay one fee which is the overdraft fee..
This debt is in dispute and has been since XX/XX/XXXX. The original creditor is XXXX XXXX XXXX XXXX XXXX. First Associates Loan Servicing c/o XXXX XXXX XXXX is attempting to collect the debt. XXXX XXXX XXXX began initial written communication about this debt in XX/XX/XXXX and identified their organization as a debt collector. XXXX failed to provide information according to FDCPA 809.a.1-5 [ 15 USC 1692 ] that validates the debt, the original creditor and provide an opportunity for the dispute of this debt since they are not the original creditor as evidenced by the Truth in Lending Disclosure Statement ( attached ).
Most of my student loans are held by Navient. With Navient, I currently have {$63000.00} in student loans ( and counting, as my balance seems to get higher every year with 4 % -14 % interest rates ). I 've been paying them steadily and for the most part uninterrupted and on-time since graduating in XXXX. I have been on an income-based repayment plan for the past 3 years, as the monthly payment they were asking me to make was ridiculous. My XXXX plan expired in XXXX, and after speaking with someone at Navient, I put a temporary forbearance on the loan so I could gather my tax information from the previous year and re-apply. I reapplied, and was rejected the XXXX plan, which made my monthly payment on this student loan ( I have a handful of very small ones ) {$540.00} per month- which I can not afford. The person on the phone told me " there was nothing they could do for me '' and that I needed to budget better -- which is infuriating, as I am a very well-organized, type-A person. I called back a few times, and have been told different things each time. One time I called and was told that they no longer do XXXX plans and I just had to make the standard payments. Another time I called and was told that I could do XXXX, but they would take into account : 1 ) my income, 2 ) my husbands income, and 3 ) my mother 's income, as she co-signed my loan 11 years ago when I entered college. This is absolutely ridiculous to me. I am a grown adult, married, not living with my parents, and have no financial ties to my mother, other than she co-signed my loan in XXXX. Why on earth is Navient telling me that my mother 's income will be included as a determining factor for my monthly payment? I know many people who are on XXXX plans, and their co-signer 's income/information is not taken into account. The most frustrating part of this is that every time I call I am told different information. The bottom line is -- I ca n't afford {$540.00} a month on top of XXXX other student loans, a mortgage payment, car payment, various insurances, phone and utilities. I would have no money left for food and gas to get me to the XXXX jobs it takes to try to chip away at these student loans. Yet they continually tell me that there is nothing they can do to lower my payments.
I see a hard credit inquiry made by  XXXX  on  XXXX   XXXX ,  2017, on  my Equifax credit report. I did not authorize this inquiry and the credit check was performed without my consent. I have filed a dispute with  XXXX  to remove the inquiry and they have responded in a mail to me on  XXXX   XXXX  saying that they have requested the credit bureau to remove the inquiry. But I am still seeing the credit inquiry on my Equifax credit report.   As a matter of fact, I do not even have an account with  XXXX .     I have tried contacting Equifax over the phone, but they are saying that  XXXX  did not send the removal record.
I have disputed the following accounts due to fraud, I have sent in countless pages of documentation proving this claim. The fraudulent accounts have been removed from both TransUnion and   XXXX   for fraud but are still showing on  XXXX .      XXXX   XXXX   XXXX   XXXX   XXXX  : {$950.00}   XXXX   Balance : {$260.00}  XXXX   XXXX   XXXX  Balance : {$3200.00} I would like these removed immediately as they have been confirmed by other agencies to be fraudulent. You are reporting false information! The other agencies should have shared this information. My next step is to send a letter of intent to sue. Thank you.
I submitted a dispute online to XXXX regarding several the XXXX times XXXX XXXX of CA is on my credit report. XXXX never removed any of the errors on my credit report and continues to erroneously report them which is having a grave impact on my XXXX XXXX The letter for Verification of Debt was sent to XXXX XXXX of CA in XXXX, XXXX and they never sent a response to me and continue to erroneously report many accounts on my credit reports.
under the FCRA Experian must have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and second subsequent re investigation, they stated in writing that they verified that these items are being reported correctly? They did not respond when i asked following questions Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Secti on 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).    XXXX  ALL THEY DONE WAS SENT ME BY  MAIL 7 YES 7 COPIES  OF MY REPORT
For multiple months my cosigner and I have been trying to get him removed from my loan as a cosigner! We have been told multiple times that I needed to make 48 pmts to be eligible! On XXXX XXXX, 2016 I made my 48th pmt but received a letter today stating that I had been denied for cosigner release because I had not made 48 pmts because one of those pmts was late! I found out that the late pmt was made when I switched my direct debit account even though it had been approved on the XXXX and my pmt was due the XXXX, they did not debit the XXXX out and I was late by 10 days because I was unaware! I spoke to XXXX customer service reps and a supervisor all confirming that this was fine and would n't matter because it was there mistake! After speaking to another XXXX representatives and a supervisor liaison today, I was yelled at, threatened to be hung up on, and placed on hold for several minutes! I was told that even though it was there fault they still denied it! American education services stated that my loan was through national collegiate trust and they were the ones that denied it! I asked for their contact information and was told they did n't have any contact info for them even though they were collecting a debt for them! I also asked for the promissory note giving them permission to collect on this debt and they refused to provide it! I asked to speak to supervisors and they refused to let me speak to anyone! There are multiple complaints online regarding this company and the scam they are pulling! I 've been paying on this loan for over four years and my balance has only decreased by very little! This company is scamming people and will not work with anyone or provide any information regarding my loan!
Our home bank is JP Morgan Chase, on XX/XX/2018 a withdrawal was being made at a XXXX ATM for {$500.00}, machine malfunctioned and ATM door shut on the money before it was disbursed, we were only able to remove {$40.00} from ruined ATM and ATM wouldn't retract our card leaving in the machine. We tried to go into the branch to solve the issue with the card and money the branch manager said its not her responsibility since a third party handles the ATM and that we should talk to our bank to resolve the issue. Chase bank helped us file a claim and credited our account for {$460.00} the next day and canceled our card that got stuck but we paid to have a replacement sent out. On XX/XX/XXXX while checking our account balance we noticed a - {$460.00} on our account and when we spoke to a chase representative at a branch they said they investigated it and XXXX said that what we are claiming is untrue and the ATM count was correct as per what their third party is saying. I tried to call the fraud department for Chase to see what I can do to resolve the issue representative said what I am claiming is untrue and that XXXX ATM showed no fault codes at the time of incident, and that I can not do anything and that I owe the {$460.00} I asked to speak to investigator or whoever handled the investigation, representative said I can not speak to them. If they were to see the video at the time they would know of the fault or at least investigated the ATM records. Chase said I cant appeal the decision and am stuck paying the {$460.00}.
I was completely misled about the services Guaranteed Rate ( " GR '' ) was able to provide. 

I began the refinancing process in XXXX on an investment property and was very upfront on the particulars of the transaction I was looking to undertake. Specifically, I let the lender know that I was refinancing an investment property that had been purchased a few months earlier ( XXXX XXXX ) in an all cash transaction and that I wanted to refinance to get take some equity out of the property and redeploy it into another project. I was assured that GR could handle this and proceeded to apply for a loan only to have my terms changed and delayed time after time to the detriment of my business and personal credit. The process was incredibly disorganized, opaque and basically made it clear that GR was NOT able to provide the financing they claimed the could and that they were not dealing fairly. 

It is important that other investors / borrowers know that Guaranteed Rate is misrepresenting their abilities as a Lender.
Asset Recovery Associates called me, my brother, and my parents to say I owed {$10000.00} to The Finance Company. This was an attempt to collect a debt from XXXX. I was n't working then, and I do n't know of anyone who will give a loan to an unemployed applicant. Told my my car and license plate number, listed several addresses that I never lived at, and told me I was due in court in XXXX, NY on Friday, XXXX XXXX, XXXX to answer for the judgement. I have never lived there, and do n't understand why they would sue me there. They said they would settle for {$2700.00} if I paid them {$490.00} by the end of the work day yesterday. I was told my wages would be garnished. They said their client would get their money one way or another.
On XXXX XXXX, 2017 i sent two letters via certified mail to transunion explaining to them that i didnt authorize the inquiries that was showing on my credit report as of today XXXX XXXX, 2017 i havent received any communication from them regarding my letters and i was under the impression that the bureaus have exactly 30 to respond or they have to delete. So im writing in my complaint because i havent seen any deletions nor have they responded to my letters.
XX/XX/XXXX I got a applied online and got a CareCredit Card to cover the XXXX XXXX that I needed to get in XX/XX/XXXX. It was about {$1200.00}. I was told I have a year to pay off the fees with no interest charges. I 've been sending money every month to pay off this debt. Logged in the other day ( XX/XX/XXXX ) to pay on the card and noticed the debt amount looked as though it had not lowered AT ALL. I did further research and realized that there were not only {$2.00} interest charges but there were also MULTIPLE " security card charges '', all $ 18+, that I NEVER signed up for. I applied for this credit card online and NEVER opt-in for this " card security '' feature. I should NOT be getting charged any interest fees. 
Customer service was 100 % awful and unhelpful. Telling me I needed to call some other numbers and blaming me for this. This needs to be investigated because they are clearly running some kind of scam.
Since XXXX, I have spoken with the collection agency, which admitted that they do not have any information ( social security number ) or otherwise that confirms this debt is mine. I have asked them to remove this debt from my credit report, but they have yet to do so. I am trying to purchase a home that is scheduled to close XX/XX/XXXX, being told that I must address this debt.
XXXX Credit Card incorrectly put a 30 day late payment on my credit report. After discussing this with that creditor, they agreed to fix it. They told me they put in an update to all credit bureaus. Both XXXX and XXXX has already fixed it.

However, Experian came back and said it was verified. So, I had the creditor mail me a letter for physical reference. I submitted this 3 times to Experian and they refuse to correct my report. They come back as " verified '' even though it's not.
Continued robo-calls to old telephone number belonging to family member ; I assume they 're attempting to collect a debt which was paid in full 7 years ago. These calls do not state the caller 's name but "  Navient '' a ppears on  Caller ID. These  calls only state " call  XXXX   (  number varies ) ; no further info is provided. Sometimes the number provided for a call back is only  XXXX  digits so is an incomplete telephone number.