WillisBack/dataset-financial-user-claim huggingface dataset:
My loan went into default due to losing my job and created an inability to maintain payments. The loan was turned over to Performant Recovery, who would be offering me solutions to get the loan back into good status. My total balance remaining when the loan went bad was $ XXXX. I am uncertain of the exact amount as Performant would not provide me that information. First issue, Performant forced me into a rehabilitation program at a rate of $ XXXX/month. Even after I submitted all my monthly expenses and showed I could not afford the plan I was told it was $ XXXX/month non-negotiable or I would have my wages garnished. Keep in my mind I just got back to work from being job-less for 7 months. So, I sold personal belongings and cut every single expense to make the XXXX payments of {$800.00} XXXX totaling $ XXXX ). Second issue, after I successfully completing the rehab program my loan was transferred to XXXX to finish out the remainder of payments ( which no documents have been sent to me by either company yet ). I just found out that the $ XXXX paid to Performant only reduced by balance by $ XXXX meaning Peformant took thousands in fees ( which were never disclosed to me before entering the Rehab plan ). I called on XXXX/XXXX/16 to request copies of all disclosure forms ; explanation of all their fees ; and a copy of where I agreed to such terms. Performant told me they dont have copies and ca n't get any records because they are no longer active on the loan. Based on my experience working for XXXX XXXX I find this to be deceptive if not illegal actions by both Peformant and XXXX. I know that Lenders/Servicers are required to provide documentation/disclosure forms regarding loans. I need help solving this issue.
I opened a savings account with BB & T bank in XX/XX/2018. I made a check deposit that into my savings account for a catering payment that ultimately bounced. In the process I was also making my opening deposit of {$5000.00} from my other bank account. 
The individual that wrote me the check inadvertently wrote the check from a old check book. 
All fees from the returned payment had been satisfied. BBT decided to close my savings account due to the returned check which they are refusing to refund my deposit. They are stating I have to go into a branch, which I have and have gotten the run around about getting my money back from different employees/managers in the bank.

BB & T is illegally holding my funds. BBT has no right to holds these funds. I would like to know what law or banking regulation that gives them the right to confiscate someones money and not communicate with them. I was hung up on by their reps! Just an all around unprofessional business. BBT makes their own rules when it comes to your money!!! BBT NEEDS TO REFUND MY DEPOSIT!
well I had a judgement placed against me XXXX 2016 for {$6100.00} .this includes no interests as stated in jdgement. XXXX I noticed I 've made 9 payments total {$1100.00} im looking and they still have my balance at XXXX after payment I made today XXXX/XXXX/2016, but my balance based on judgment should be {$5000.00} after my 9 payments difference of {$410.00} I called the law office of selip & Stylianou llp in XXXX ny. XXXX my account representative at ext XXXX says the difference is from interests im being charged he sys per NY state 9 % {$1.00} a day???? that 's crazy how can they charge interests on a judgment that did n't include interests??? Basically making payments im being unfairly robbed cause the account will never be paid off if they are charging me interest per day this is crazy and unfair s there something I can do???
After refinancing my home and closing with my new lender on XX/XX/2018, my former mortgage with M & T Bank was paid in full and funded on XX/XX/2018 In XXXX, I was notified by XXXX XXXX and my credit monitoring service that I had a derogatory/30-day late reported for XX/XX/2018 from M & T Bank I contacted M & T and asked them to explain because this was inaccurate. I have never made a late mortgage payment. M & T told me they marked my late because the received payment on XX/XX/2018 and that was 30 days after payment was due. I told them that did not make since and did not coincide with federal laws. M & T told me to file a complaint and they would investigate and get back to me. 

A couple weeks later, I received a letter from M & T saying they would not remove the derogatory mark from my credit report and they pretty much stood by the information stated to me previously. 

I also received a paid in full letter from M & T Bank stating my loan had been paid in full on XX/XX/18 ( attached to this email ) I filed a dispute with the credit bureaus and M & T changed some of the wording on my credit report but failed to remove the 30 day late from my credit report I worked with a credit reporting agency and had a conference call with my current loan officer, credit agency and M & T bank last week. In that conversation, the rep ( XXXX ) from M & T Bank said in plain language I never made a late mortgage payment and was on time in XX/XX/2018 because the loan was paid off on XX/XX/2018 After our conference call, the credit agency called M & T back and a supervisor ( XXXX ) said they would not remove the late payment from my credit report I have never made a late mortgage payment and I am disappointed with how M & T Bank is handling this matter. I am not in opposition of legal recourse if this matter is not remedied.
PROFESSIONAL FINANCE C Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
i have no clue what the XXXX this is i know i didnt make this i dont care what the comapny states they have to prove its really me not anyone can use my info online anymore i pay with cash this dont tell me what is is im supose o owe im not paying for this when i didnt make this no letters came in the mail saying i did nothing at all
I receive notice from Chase about foreclosure tried to do Loan Modification.Sales date was XXXX XXXX,2017, Modification was denied. Prior to this I had been working with a person that did a process to prevent foreclosure, when I went to Bankruptcy Attorney to file Chapter XXXX he was told that there was a interram on property and bankruptcy was n't granted hose was sold on XXXX XXXX,2017. The problem was n't with the Bankruptcy attorney but with the first gentleman.Because my property was attached to someone else Chase sold
I have sent numerous dispute letters disputing this account. With all the attempts they never validated the debt. My letter specifically stated that they must have all documents that bare my signature and also the billing ledger and any other information to prove that I was in default with this account. I have not gotten this information. As of today XXXX.
I got a line of credit through XXXX XXXX on or about XXXX XXXX, XXXX. Purchased items in the amount of {$3400.00}. My account went into collection and sold to another creditor. After joining the XXXX in XX/XX/XXXX I attempted to resolve this matter but they wanted payment in full with interest. I did not have the money and they refused to work with me. I waited for letters of legal action but known ever came. XX/XX/XXXX, I received a call from a gentlemen named XXXX. Did not give me a last name. He told me he was with a company named Premium Asset Services and want to collect a debt I had acquired with XXXX XXXX. He told me I had to pay the total balance of {$6500.00}. I told him I could not pay that amount. We made an arrangement for {$500.00} down and {$100.00} payments until I can pay it off. I paid {$300.00} and asked for him to take the remaining {$200.00} in two weeks. I did not feel right about it because to give me information about my account and tried to talk me out of speaking to a lawyer. So I canceled my card and did not pay the {$200.00}. He continued to call and threaten me with legal action. I did not respond. A couple days later I received another call from a gentleman named XXXX XXXX. Would not give first name. He left me a voice mail stating that my file had been sent up to his department for further legal action. He said he had already contacted my civil affairs officer and his next call will be to my inspecting general and will be issuing me a judgment. I called him back and tried to make some kind of payment arrangement but he said they wanted the money in full. He told me to borrow money from family or who ever. Then he told me to get a hard money loans or credit cards. I was afraid of him contacting my command, so I attempted to get loans and was denied. After telling I could n't get a loan, he got rude and told me I need to figure it out or he is going through with legal action and sending it up my chain of command. He called me childish, said I was not a soldier and all I am doing is playing soldier. Called an adolescent. Said its like robbing a bank. I told him to calm down and to respect my service. He then asked me if my " mommy new I was a playing soldier ''. I just hung up the phone and proceeded to speak with my XXXX for guidance.
I believe Bank of America disables customers ' alert settings for low balance, overdraft fees, and the like. This has happened twice in six months to my husband - he 'll find out that he has been getting charged XXXX dollars in overdraft fees once a week or so, based on an unexpected charge that bounced - but will have never received an alert about it, despite having enabled cell phone, etc. alerts on the account. Last time he called Bank of America to complain, they claimed that it was his fault because his alerts were not on - obviously, they had updated their system at some point and turned his alerts off. We went online and turned his alerts on after arguing with the bank for an hour - Just now we found out the exact same thing had happened again, and went online and sure enough his alerts settings were enabled for every kind of contingency except overdraft / low balance. I believe they should be investigated for this practice.
Mortgage billing statement dated XXXX/XXXX/2016 arrived on XXXX/XXXX/2016 with a payment due date of XXXX/XXXX/2016.
I recently received a debt collection notice from an unknown source. 
I do n't know or recall ever dealing with this creditor ( XXXX ) stated on the collection notice. Have never purchased services, bought products or merchandise from such creditor or used any financial means from such creditor. No info regarding when, where, and how if I ever made contact with such creditor. In a nutshell I do n't know who this creditor is and the amount they are trying to collect. They provide no real evidence info on this matter.
This vehicle was totaled on XX/XX/2018. The balance was paid off by my insurance company and the remaining balance was picked up by my Gap Insurance. I have contacted the finance company on numerous occasions to please update this balance with all 3 credit bureaus so that I can move forward with getting a new car and a better interest rate.
I applied for a Citibank credit card with a XXXX XXXX XXXX Aadvantage points sign on bonus if I spent {$3000.00} in 3 months. I spent over {$3000.00} in 3 months and did not receive my bonus. I complained and they said there is no bonus if you have had a card in the past 18 months. 15 months had passed at the time. They said I would NEVER get a sign on bonus if I kept my card. I saved a copy of the application terms and conditions ( I tried to attach it here but it would not let me ) and there is nothing about 18 months. It does say this offer is valid only for new account. This was a new account. Furthermore, when I complained they said I am being penalized 24 months from the current date to reapply and get a sign on bonus. They are penalizing customers just for getting one of their products? This is ridiculous. The XXXX sign on bonus is in LARGE letters. Maybe somewhere in tiny print is the 18 months limit but I can not find it. When they sent me my card they should have CLEARLY notified me that I was not eligible for the sign on bonus. Instead, they led me on so I would spend the {$3000.00} and get nothing. This is a DECEPTIVE business practice and the CFPB should investigate. I sent a letter to XXXX XXXX, President of Citibank and I am writing this complaint to the CPPB because of the nonsense response I received from a XXXX XXXX at Citibank who ignored the fact that I received no sign on bonus that they advertised in LARGE letters, that I would never receive a sign on bonus if I kept my card, and was being penalized for 24 months if I cancelled the card. I was so annoyed I cancelled my card and am writing this complaint. There is certainly nothing in the terms about a penalty. I hope to see XXXX XXXX before Congress like XXXX XXXX of XXXX XXXX.
I returned an item 3 weeks after purchasing due to item not working properly. I did n't receive a credit for it as the item was lost in the process.
These people brought a illegal loan usury interest rate account from XXXX XXXX XXXX ... XXXX XXXX does not have a license to provide illegal loans ( Usury interest rates ) in the state of Ca. By the CA. Department of Business Oversight and the federal consumer protection bureau. their phone number is XXXX ... I am XXXX years old and want these people to stop calling me.
TransUnion has repeatedly indulged in misrepresenting the status on my creditcard accounts. I have been trying hard to rebuild my credit after being on SSI for years and in the process had to get a secured creditcard from my credit union. The first problem was when they after listing the loan as a creditcard for several months changed the type of loan to " other '' and dropped my score due to their own error. After a dispute which took well over 30 days for them to handle they finally corrected their error. Because I had such a good record of payment with my credit union they gave me a unsecured card with a lower interest rate in XX/XX/XXXX of last year and after a few months because I keep the balance paid off each month TransUnion arbitrarily change the start date on the card to XX/XX/XXXX from XX/XX/XXXX and again lowered my creditscore. After another dispute they removed the account and dropped my score by 25 more points calling the account " closed '' because are using information from the first account instead of the new active account. Their constant consistent misrepresentation of credit scores damages my ability to get credit at a reasonable rate and has cost me 1 % extra interest on my home loan. Talking directly with them and explaining the situation doesn't work as they admit to the error but refuse to correct their mistakes and even refer to the other credit card saying that account is closed. They tried blaming the credit union for providing incorrect information but when I called to their attention that both XXXX and XXXX have the correct information on their sites the people I talked to still insisted it wasn't their fault. They even claimed they hadn't had a response to their inquiry for over 30 days when the information is sent out to all three credit reporting agencies on the last day of each month automatically. Between data breaches and gross incompetence TransUnion has no business even being in business ...
Several years ago I became XXXX. Permanently. I live on my XXXX. I suffered with financial hardships as a result of this. I was paying a high interest rate on my mortgage and did fall behind on paying on time. I started the process of loan modification. I filed the papers exactly as required, I sent every single document labeled with the loan number, every bank statement, bill statement. I was rejected and did the whole thing over and over, I had no choice but to hire an attorney because rather than work with me the PNC mortgage company began foreclosure process on my home because they would no longer accept my payments. Keep in mind I NEVER wanted to lose my home and always wanted to pay my bills. I was forced to hire an attorney of which I could not afford and with that I gave him all my documents that I previously sent to PNC Mortgage along with updated statements and of course the Modification was approved. The attorney gave me my new coupon book and I thought all was fine. The attorney received the notice my modification was officially approved and the attorney then sent notification to the Mortgage company releasing himself from my case. Well, it has been at least a yr and half and I never received a single document from the mortgage company. The attorney that did work my case is no longer practicing in this area of law and in addition he is n't at the firm. I came home and had a note taped to my door stating I needed to contact PNC Mortgage as they are attempting to collect a debt. I called and they refused to speak with me. " BY LAW my attorney needed to call. '' This has happened several times. The lawyer calls and nothing happens. I informed them there has n't been an attorney for over a year. Needless to say I have been fighting this battle for over a year and they refuse to hear me. I did locate the attorney at one point and he called and forwarded the release. I sent a notice, at their suggestion stating I didnt have attorney representation. Every single document I send or the attorney sent, PNC claims they never received. Even though I have receipt saying I sent they still will not talk to me and say " they are not going to argue with me about this ''. I can not continue to take this harrasment, I have no idea what my mortgage payment is as they refuse to tell me. I have discovered that XXXX of my payments were sent back to me at some address other than mine, I believe an attorney firm. So I am sending approx. {$75.00}, a month more with my payment hoping it is covering what my actual payment is. This is an absolute horrible way to deal with someone especially someone with XXXX, I have begged, cried, and yelled for someone to help me and they say the same thing over and over. " They need to hear from my legal counsel '' " They are not going to argue with me '' " MY Choice is talk to the attorney even if there is n't one. " I do n't know what status my mortgage is in right now. I have no idea what the " debt to collect is '' or if I am losing my home. What I do know is as soon as my XXXX comes PNC gets my mortgage payment every single month. From that point no one will help me.
Unable to get by bots or reach by telephone. Company incommunicado. Contact by message on facebook - only reply as to direct me to a website that charges me illegally for credit freeze.
Before retiring from my XXXX Job I neglected to change my email address so that I could update my Pay Gov account to renew my Auto Pay for 15 months. When I realized that I had over looked changing the email from my work to my home email in the mean time my SBA Loan was turned over to collections, and not like I did it on purpose I offered to pay the two months and bring the loan current, and I was told that I could n't and they would start off-setting my Social Security and my Retirement pay, plus any other pay I get. So with the Gov. offsetting everything I get I 'm getting calls monthly, weekly, daily from CBE Group Inc to collect on a debt that is already being paid every two weeks, and every month. I have asked them to stop calling because I 'm not paying anymore that is already being taken which turns out to be almost {$500.00} a month in offset. 4 times more than what the original loan payment was.
I have never been late on my loan, yet they are reporting me late, dragging my credit score down XXXX points.
I have been trying to get Navient to work with me on the monthly payment that i can afford. I am XXXX  years old and have a job. My mom is the co-signor but is having financial issues of her own. Navient will not work with me to get my mom off as a consignor nor will they work with me and my actual salary to allow me to make payments that i can afford. I have to pay, rent, utilities, transportation to and from work and food. but they refuse to work with me. I want to be responsible and not put this on my mom but i want to be able to do a payment that will allow me to pay my other responsibilities as well.
An unauthorized and fraudulent credit inquiry is listed on my Experian credit report from : XXXX, XX/XX/2017, the credit inquiry do n't belong to me. I am a victim of identity theft and have been a victim of identity theft for over 10 years.
This company was listed on my credit report failure to send me anything in the mail giving me a right to dispute this debt that I DO NOT OWE. Not only do I not have a contract with this company they have been selling this unverified account from one collection agency to the next after I have thoroughly researched this matter and have disputed this account several times and since it has not been verified by the last two collections agencies they keep selling these unverified accounts.
I am a victim of fraud by Wells Fargo Bank. My account ending in XXXX was supposed to be a Saving account and then it was turned to a credit card. The representative told me that it would be treated as a Saving Account. Instead I received a Master Card in the mail with a 15 percent APR. After reviewing the recent scandal with accounts, I am too a victim of fraud. My APR is now 25 percent and this is not what I initially was informed my {$5000.00} would be used for. I would like to be included in any lawsuit pending against Wells Fargo and I have closed this account. Additionally, Wells Fargo reps have violated Fair Credit and Reporting Law by negatively reporting this account late even though I disputed the debt. Additionally, they continued to contact me after I repeatedly told them not to contact me by telephone after reps were rude and disrespectful. I want this account off my credit report.
Received an unsolicited credit card, Chase Visa Amazon Rewards.I have been told that the Fraud Security Dept. will not contact me even though I have requested an investigation. 
Also I want a copy of the credit application as submitted so I may see if clues exist as to the identity of the criminal.Otherwise I feel this is a bad move by Chase, much like XXXX XXXX, to increase business.I have spent hours attempting to research and control the damage, since Chase Fraud Dept. will not involve itself according to the employee I spoke with. 
I currently am a Chase customer, so my thoughts are that it was a Chase promotion.
ABC Financial Services keeps calling my phone number and sending letters demanding payment of {$10.00} and {$9.00} biweekly even they were notified by me and the XXXX XXXX XXXX Downtown  that Agreement # XXXX Member # XXXX was terminated on XXXX XXXX, 2017 due to XXXX non-compliance to provide items as per agreement for the XXXX Shower floor mats, and other items, and due to the abusive racial slurs made directed to me, a XXXX years old senior citizen with XXXX XXXX. XXXX have accepted the termination of this agreement, therefore, there is no longer charges of dues.
I have tried contacting both agencies but XXXX XXXX would not speak to me at all they kept placing me on hold and transferring me. Now I have a company named XXXX XXXX XXXX, formerly XXXX XXXX XXXX calling stating they are going to garnish my wages. My loans are in deferred payment status til XX/XX/2019 because I am presently in school. The strange thing is the amounts are almost identical and I know I have been to school for almost 75,000 dollars. I am trying to get financial assistance now because I'm in school and can't because it has me in default.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against Transworld Systems for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report. I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Experian is reporting that I have a collection that isnt mine. I have no contract with this creditor.