WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, XXXX XXXX is the original lender who financed our home in XX/XX/XXXX. I understand companies sell mortgages to each other but this incident will be at my expense. Selene Finance LP sent me a letter XX/XX/XXXX stating this servicer switch will be effective XX/XX/XXXX. Two months a year, 3 mortgage payments are deducted while the third payment is payed solely to principal. XXXX XXXX did not take a payment on XX/XX/XXXX and the company also has no information about my account. This leads me to believe the three payments will not be deducted this month and it will be at my expense because the mortgage will not benefit from the additional payment. This is not acceptable!! After a brief conversation over the phone it was clear Selene Finance LP will not take responsibility or do anything to fix the problem their company has caused. 


Regards, XXXX XXXX
XXXX mailed Afni in XX/XX/XXXX informing no balance was owed and to close account. They said they would need 30 days. 

XXXX and myself called Afni in XX/XX/XXXX, informing no balance was owed and to close account. They said they would need to investigate if a correspondence was sent in order to release the account. 

Then, disputed the account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX through the 3 major credit bureaus. 30 days later, account remains open with Afni. Results of disputed charge remained open with Afni for {$830.00}. 

Called XXXX again, they confirmed account was closed and paid in full with XXXX however Afni has not responded to request to remove collection account. 

This account has impacted my FICO score negatively since XX/XX/XXXX, fighting this erroneous charge for a year unsuccessfully. 

Afni 's agents seem determined to not escalate to a manager for a closer review and are grossly unprofessional.
What happen was that I received a check in mail which from my job. I took the check to the bank to get it cash. The bank told me that we can only give me    XXXX   dollars of the money. I said fine, they said they had to make sure the check was ok. It took five ( 5 ) to 6 ( 6 ) day before I could get the rest of the money. I notice a week later that my account was in the overdue in the account.
This is to notify you that I contacted the following inquiry creditor for proof of authorization to pull my credit. I do not recall placing an application with such creditor, nor do I agree to having had my credit pulled by such creditor.

I reached out to the creditor who placed the inquiry and requested they remove the credit inquiry from my credit profile.

They have responded and does NOT have information or records in their files for an inquiry or credit application to be place on my credit report. I demand these inquiries be removed from my credit file at once : 1 ) XXXX  XX/XX/16 I am enclosing a copy of the letter mailed certified to the inquiring creditor, along with their response stating they do NOT have records of my inquiry.

With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate and unverifiable information on my credit file.

Thank you for your cooperation.
As I moved through my marriage separation and divorce in XXXX I was unable to pay my bills including over {$2700.00}. I owed to American Express. After I received my settlement from my ex-husband on XXXX XXXX, XXXX I then had enough money to pay off in full my American Express debt. I called American Express that month and told them on the phone that I wanted to pay off the whole debt amount. The representative told me they would not accept a full payoff, only a monthly payment of {$170.00} per month for a period of years. I was shocked, and repeated to him my offer to pay the bill in full. For a second time, the American Express representative told me they would not accept a full payoff from me. This was unfair to me because I had the money to pay in full but they would not take it. I feel I was discriminated against. 
I spoke with American Express later in spring XXXX and discussed this matter again. This time, American Express told me that it was a misunderstanding that they would take payment in full. But by then it was too late. I didnt have the money any more. Since that time, American Express has sent me numerous letter stating that I can pay off my debt in full if I want to. This was no misunderstanding. I am sure and positive what American Express said to me, and I was lied to.
About two weeks ago my regularly scheduled monthly payment to my private student loan servicer ( Navient ) did n't go through because my bank account balance at that time was a few cents off. Because of this, my bank did n't authorize the payment. I called Navient later that week on XX/XX/XXXX to ask if the company would try to withdraw an electronic check from my account again and he ( XXXX ) said Navient would n't try to withdraw the same payment a second time. Therefore, I made the payment online the following Monday ( XX/XX/XXXX ). The next day ( XX/XX/XXXX ) when I checked my bank account I saw that Navient did try to withdraw a second payment. Which caused my account to be overdrafted with fees being assessed to my account from my bank. I called later that day and spoke with XXXX ( XXXX ) who refunded one of the payments when I told her my situation and that I could n't afford to make multiple payments at one time. A week later, today ( XX/XX/XXXX ) I checked my Navient account online and it shows that I have n't made a payment for XX/XX/XXXX, and that my account is currently delinquent. When I called the Navient representatives they claim they never received a payment, although the second check from ( XX/XX/XXXX ) cleared. I 've spoken with representatives at my bank and they 're showing that I made a payment for last month. Unfortunately this is n't the first time that I 've experienced customer service issues with Navient, last year they claimed they did n't receive a payment that I made. It is obvious that Navient is n't telling their employees proper information about how payments that are n't received the first time are processed. This one payment has caused a never-ending inconvenience. If Navient allowed customers to make payments online without any restrictions I would'nt have to deal with the many mistakes that come from automatic withdrawal. This is yet another reason why we need to have student loan reform in this country! Especially when it comes to private loan servicers like Navient!
I purchase a prepaid XXXX at XXXX and the receipt stated that it was authorized. My son went to use it and it was n't authorized. I called XXXX and so far it has taken 72 hours and I still do n't have the money or an authorized card. I sent a copy of the receipt, a picture of the card, and my driver 's license ( as requested ). They are telling me that it is in compliance and that they are unable to help me.
On XXXX/XXXX/XXXX I was alerted by XXXX that there was a new entry added to my credit report. The collections agency that had reported was Paragon Revenue Group. They were stating that I owed {$180.00} in the year of XXXX. They stated that i was seen in the month of XXXX of XXXX at XXXX XXXX XXXX XXXX XXXX. I explained that I have no knowledge of ever being seen on that date. I also explained that I called the hospital and asked them to run my social, dob and name to see if they had any past due accounts or medical forms or records by any name. They informed me that they had nothing in the year of XXXX. The only thing they had was when i was brought in XXXX by my mother and the amounts that were due at that time was XXXX for {$55.00} and XXXX for XXXX even. I also went to their online site and put in the account number that paragon gave me and there was no record of it. I called paragon and informed them of all this They then sent me to someone that " handles those type of accounts '' which was a voicemail. I then called back and a man answered the phone and tried to tell me he was someone else when he clearly was not. He then transferred me to another voicemail. At this point I was very frustrated and called back and demanded to speak to a person. A lady got on the phone and told me that this was a debt from XXXX of XXXX. I repeated that I had never been to the hospital around that time and informed her of the information that was given to me by XXXX XXXX. I also let her know that taking old debt that is past the statute of limitations and trying to collect on it was illegal. This has caused major problems with my credit score as they have been reporting to all major credit reporting agencies. Thank you for your help.
I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by US Bank, XXXX   XXXX and XXXX XXXX are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
First, I was given a private loan for {$21000.00} that immediately started accruing interest, even though I was n't going to start making payments on it for at least 4 years. Why on earth is that legal??? 
Second, the bank that issued that loan has since sold it off to American Education Services. I 've been paying this loan for almost 3 years, yet my balance is still higher than the amount I borrowed, AND the principal plus unpaid interest is {$6300.00} less than my current balance. So what exactly do I owe besides principal and unpaid interest? 

Also, since AES has purchased my loan from my bank, my interest rates have increased 4 TIMES IN LESS THAN 1 YEAR! I have all of the documentation needed, if you would like me to provide that.
When I was in college in 2002 I had some non government guaranteed private loans with XXXX XXXX. I subsequently filed bankruptcy, and these accounts were included in the bankruptcy. I was told they may not be discharged. <P/>Since then, the accounts appeared as XXXX XXXX accounts and I had them removed from my credit reports. Recently, they have all been reappearing as XXXX XXXX. These accounts were closed and charged off over 10 years ago and XXXX is reporting them as still active and able to be reported on my credit report. This is in clear violation of the FCRA and the FDCA. <P/>Please assist me In the removal process. I have attempted to contact XXXX and also disputed with the credit bureau ( Experian ) XXXX and XXXX have corrected the issues. <P/>Thank you, XXXX XXXX SSN- XXXX
Recently, I requested a copy of my  XXXX  Report. After reviewing the file, I have found a discrepancy that I would like to have removed from my file, as  XXXX  the information is inaccurate, and it negatively impacts my insurance rating, as well, as the case is ov er five years old and should not be reporting  on my file at all.     The report shows a conviction for Failure to  Appear  from  XXXX   XXXX ,  2010 . The corresponding conviction was subsequently vacated and should no longer be reported.     Attached is my driving abstract f rom the Secretary of State. Ple ase find that the aforementioned conviction is not reported my driving abstract as the conviction was vacated.     Recently, I requested quotes from insurance carriers. When asked if I had any violations or accidents in the last five years I responded no. However, once they obtained a copy of my driving record I was quoted higher premiums as a result of this inaccurate reporting.
I sent a dispute with Equifax on XXXX XXXX, 2016 though the fax number they provided. I have waited for the file to show the items I disputed to be in dispute but upon calling them they are telling me they received my cover letter and the last XXXX pages of my dispute which are my identification and utility bill, which is convenient for them as they do n't seem to find the actual letter of dispute. I have also uploaded the dispute in their online dispute and they have not even acknowledged my dispute. It will be 30 days on XX/XX/XXXX with none of the accounts and personal information that is reporting inaccurately on my credit file being in dispute. I have attached the original letter sent on XXXX XXXX that they have indeed acknowledged was sent and they received.
I called US Bank through their XXXX ( XXXX ) XXXX number oXX/XX/XXXX XXXX XXXX to inquire for information on how to close my checking account since I already moved to Florida and there's no ATM or branch here. I spoke with a male banker who told me he can do it over the phone. I told him I was just asking for information since I thought there are paperworks that I need to write or mail. I told the banker my salary will be credited to that checking account on XX/XX/XXXX so I have to call them back after 2 days so I can receive my salary from my company before I close my checking account with them. The banker agreed and we ended the call. I went on with my evening and about XXXX XXXX, I opened my US Bank app on my phone just to check my balance, I noticed that my checking account is no longer showing on the app, only the savings and credit accounts, so I called their customer service number again at XXXX XXXX and spoke with a female banker who told me it's showing on her system that my checking account was already closed. I told her I did not give the previous banker the authority or never confirmed over the phone that I agreed I'm closing my checking account on that call. She said she will write an email to the banker 's manager and she will ask the manager to call me within 24 hrs. Since nobody called me after 12 hrs, I called their customer service number again at XXXX XXXX  XX/XX/XXXX and spoke with another banker who told me the best that they can do with the pending credit to my checking account ( our salary will be credited on XX/XX/XXXX ) is return the credit to my employer after 2 business days since they can no longer open my closed checking account. I told her you should do something since I did not authorize the closure of my checking account but she answered that's the best that they can do - return the money to my employer and wait until my employer send it to me to Florida through check. I told her it would take some time since my employer 's corporate office is in Minnesota and I have to go through all the trouble of answering to my creditors as well as my rent which is due this Friday. She answered me that's the best that they can do so I told her I will be filing a complaint at the bank 's regulatory boards since their own banker closed my checking account without my confirmation over the phone and I am left here to deal with my creditors and my landlord since I don't have cash on my checking account.
Performant recovery sent me a bill for the dept of taxation in the state of louisiana for the year XX/XX/XXXX. I filed a federal return for the year XX/XX/XXXX, and was supposed to get around {$2600.00} back. The state of Louisiana offset my federal return and applied the amount of my tax return to the amount that I owe the state of Louisiana which was {$3000.00}. I phoned the department of taxation through the state of Louisiana, and they were not able to return any information as far as my state taxes taking my federal return. I phoned the dept of offset, and they have records stating that my return was off set due to the dept of taxation for the state of louisiana. 

Now I am receiving a bill, from performant who collects for dept of taxation, and they want proof of my federal tax return being off set. The dept of taxation should automatically have that information. And on the back of the performant bill, performant is threatening to suspend my drivers license. I have the bill from them. They ca n't threaten a consumer 's driver license and have it suspended in order to collect a bill? Not to mention the fact, that the state of louisiana should of automatically received a letter in the mail, like i did, stating that my federal return was going to be applied to my state of louisiana XX/XX/XXXX return owed for that year. XXXX companies, ca n't seem to locate my information in reference to the offset. I also do n't see how performant is allowed to threaten consumers, with a valid threat of suspending licenses?
On XX/XX/XXXX a joint account at XXXX XXXX 30 days Late. Accounts have always been paid on time, however I received NO notice, Never even received statement balances on that account. Upon finding out I paid the XXXX balance off IMMEDIATELY. I called creditor and they said they would close out the card but refused to take it off my credit. Giving me the run around saying I would need to call the bureaus. Upon calling them, an investigation was made, but it was informed it would not be removed. 


Also on XX/XX/XXXX XXXX XXXX, a XXXX company charged me with being 120 Late on a XXXX dollar payment. These statements were paperless, but again i never received any documentation via email that i was late. What occurred was a simple checking account mishap. I had paid out of an old checking account I had on file. Once realized, I paid the XXXX dollar transaction ( because of late and ach penalty fees ) and requested it be removed. They refused and XX/XX/XXXX Sided with them.
Approximately  XXXX / XXXX /   17  I tried to deposit cash to m y Netspend Card and was unable to was told card was blocked. I called Netspend got customer service rep who must have been in another country unable to communicate well. She said something about card blocked suspicious activity and asked about some charge and I replied there was nothing wrong my balance was correct and I wanted to add funds. She said ok there is fraud card is cancelled and I kept trying to explain but it was obvious she was reading from a script. No matter what I said she had same answer. So I got frustrated said cancel the card I will never use Netspend again.  The around  XXXX / XXXX / 17  I won money at  XXXX  and the have policy the first {$50.00} of winnings has to go back to debit or credit card in the last 30 days. So {$27.00} of it was credited to my cancelled debit card. So I call ed Netspend and they first said there was only {$13.00} not {$27.00} then said I would have to get a n ew account. I told them I would never give them another dime to send me a check and they said I would have to pay {$5.00} to get a check so I hung up and wrote a letter explaining I was going to contact every appropriate state and federal agency concerning their actions. I have never got a reply. I looked online today  XXXX  and see they have charged me {$9.00 } (   XXXX   ) 3  times since I told them to cancel card and send me my {$27.00}. They say I owe them {$2.00}. How ma ny 100,000 's of other people are Netspend doing this to.
Blackhawk Network locked my reloadable debit card. Blackhawk Network locked my reloadable debit card, without cause, contact, or reason, immediately AFTER I loaded almost {$1000.00} to the account.
JPMorgan Chase keeps sending bogus letters with no information on them. They say they are working on the issue. I don't know what issue they are talking about since I have not contacted them. They assign a different executive specialist ever time. I called XXXX XXXX close to twenty times today. The executive specialist never answer their phone.
SLS has demanded that we pay flood insurance on our property. FEMA will not even allow us to purchase our own flood insurance because they state we are not in a flood zone. In the meantime SLS continues to charge a ridiculous rate of $ XXXX/year for forced flood insurance on our property. 
To make matters worse, we entered a modification agreement with them and was told to make our modified payment as a trial period. At the end of the trial period they sent us modification documents that included a balloon which was not the original agreement for a 30 year fixed. We now can not refinance because they state that we are 5 months late on our payments due to incomplete payments during our " trial '' period. We were never warned this would make our account delinquent when we entered this agreement.
My loan was not made in good faith. GRI changed my APR from 4.25 to 4.5. The Closing disclosure I signed was different that the one at closing.

GRI sent me TILA-RESPA LOAN CHANGE Disclosure in mail on XX/XX/18. However this LOAN CHANGE disclosure was never given to me and is missing DOCU SIGNATURE. The documents states APR changed to do score change.

There was no score change. Credit score used for lOAN is attached The only TILA-RESPA LOAN CHANGE disclosure with a DOCU SIGNATURE that was given to me is attached.
XXXX XXXX,2017 numerous disputes were sent out to the 3 credit bureau about unauthorized inquiries on credit report. i also sent out certified mail 's to creditors no response. XXXX inquires on Transunion. XXXX  inquires on XXXX credit report. XXXX inquires on XXXX.
I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX XXXX XXXX XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have included and attached a copy of the police report, the judgement stating the accounts are not mine and I hold no liabilty, and my drivers license. 

Confirmation # XXXX Accounts XXXX XXXX Bank Account Number : XXXX Balance : {$3600.00} XXXX Account Number : XXXX Balance : {$4600.00} XXXX Account Number : XXXX Balance : {$9100.00} Inquires XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Ive contacted them several times explaining the situation with a late payment being reported. I received zero documentation of payments being due on my loan. No calls were made to me until after the loan showed 60 days late. They told me it was nothing they could do. I provided proof of a forbearance multiple times of another loan and they still reported my loan late.
XX/XX/2019 I was applying to get a beginner credit card with the soul intention to start building my credit from Capital one, it was a recommended card to start building credit by raising my credit score and opening another line of credit. I was unapproved and they put a hard inquiry on my score which dropped it by 17 points on XX/XX/2019 within minutes. I feel this is not goodwill or business model. I simply want to have a good future and Secure a good credit score.
Navient is offering an interest rate decrease by 1/4 percent and rate freeze on variable rate interest, but only if you use a scheduled direct withdraw from a bank. By doing so, it discriminates against those who : 1 ) Use a debit or check card, even with a regular payment schedule 2 ) Send money via postal money order or certified check 3 ) People who can pay cash
They constantly call me all the time asking me to pay my bill I can be XXXX days late if I run behind they call my mother passed and they constantly call every day all the time geezzzz it is very frustrating and annoying I owe them total of XXXX on XXXX different accounts it is saffff