WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX. , owned two sets of my loans -- one through XXXX and another through XXXX XXXX . 
-I have been in communications with XXXX XXXX who was my account rep, about reaching a settlement agreement. In the meantime, I set up an automatic monthly payment plan, that I have been paying off for several years now. I was paying {$320.00} for my XXXX loans, and {$100.00} for the XXXX XXXX loans. 
-I noticed that money wasn't being deducted from my account in XX/XX/XXXX. So, I called XXXX, and I was notified that the money wasn't being deducted from my account because my automatic monthly payment plan permission, had expired, and I needed to grant them permission again. This was done verbally, by phone. More importantly, I was never notified in writing, electronically, or by telephone that my permission had expired. They also never notified me that I would need to do the same for my XXXX XXXX loans. Although, that week alone I had received several calls asking if I was still interested in reaching a settlement agreement. 
-In XX/XX/XXXX, I received notice from a new debt collector that they were now in possession of my XXXX XXXX loans.

-When I called Asset Recovery Solutions, they informed me that they sold my loans because I had not made the {$100.00} dollar payment since XXXX months.When I inquired why it hadn't been automatically deducted, they said my approval had expired. They never notified me of this by telephone, email, or in writing. They also never notified me that I had missed any payments. I asked why they hadn't notified me, given that they had my contact information. The rep on the phone said that they only updated my telephone number for my XXXX loans, and not for my XXXX XXXX loans-which was a clear oversight on their end. Regardless, they also had my email address and mailing information, but failed to notify me using those avenues. 
-I called again, and got in contact with XXXX. She said it was not Asset Recovery Solution 's responsibility to notify me that my loans were being sold. 
-When I asked whether they could reclaim my XXXX XXXX loans, so they could be under one debt  collect, they said no. 
-I was in the process of reaching a settlement agreement for all my loans for a down payment of XXXX dollars. Now, I'll need to begin negotiations terms with both debt collectors.
On XX/XX/XXXX I settled my account for less with Wells Fargo Dealer Services when they agreed to take {$14000.00} as the payoff of my auto loan account # XXXX by XXXX XXXX in XXXX, Minnesota XXXX who can be reached at ( XXXX ) XXXX. In XX/XX/XXXX Wells Fargo started reporting that we had not settled and that they had charged off the remaining balance of {$9100.00}. the Wells Fargo representative spoke with myself and XXXX XXXX who is the XXXX XXXX employee who processed the sales of the XXXX XXXX XXXX and provided the payoff to WFDS in order to settle the account. I was told verbatim that they would not report the remaining balance as charged off because opposed to turning the vehicle over to WFDS I had gone out and got an offer from XXXX XXXX for {$14000.00} that they agreed they would accept to settle the account. I mailed my complaint about this matter to all 3 major credit bureaus by certified mail on XX/XX/XXXX, in which I have already received correspondence from XXXX that they have started the dispute as they are required to within 30 days by law. On XX/XX/XXXX XXXX send me a letter saying that they could not process my dispute because I had not provided sufficient information, or that the documents were not legible. I am attaching all documents to this dispute and you will see that not only did I provide all information necessary to initiate my dispute, but that it was absolutely legible. I am about to go through a background a check for a new job and I will not hesitate for even a moment to sue WFDS and XXXX to the full extend of the law if this is not corrected IMMEDIATELY as this is fraud on behalf of Wells Fargo which they have shown us all they have no problem with, and this could also result in a failed background check if this remains on my credit report in which I would sue for loss of wages as well. I recommend the XXXX and Wells Fargo do not take this complaint/dispute lightly or try to delay correcting false information any further or I will have my attorney be the next person to take action. We are so thankful that Wells Fargo has recorded all phone calls on my account so that if I am forced to bring them to court they can help us verify that the statements above are truthful. Please remedy this inaccuracy immediately. I am simply shocked appalled and offended to see Wells Fargo trying to get away with this even after they just defrauded millions of Americans. XXXX received my dispute via certified mail with return receipt, no later than XX/XX/XXXX so the clock is ticking until 30 days is up. Please do n't make me escalate this any further as I will be submitting a complaint with the FTC today as well. Sincerely, XXXX XXXX XXXX
I was extended a credit account by Citibank to purchase furniture at XXXX ; however the 1st issue arose when the credit slip they presented to me for signature did not match the terms they agreed to give of 0 % financing for 18 months. I started to sign the slip only getting as far as the A-L of my 1st name and then told the sales rep I did not feel comfortable signing it and wanted confirmation in writing from Citibank that the terms promised would be honored. Well needless to say the 1st letter I received from Citibank stated the terms were under review and I would be notified of their decision within two billing cycles. At this point I felt I was being mislead and told XXXX to cancel my order. I sent a dispute to XXXX and Citibank to request a refund. XXXX gave me back my money, but Citibank is still attempting to hold me responsible for merchandise I DO NOT HAVE and more importantly did NOT authorize be charged. 

The results of there 1st investigation simply stated XXXX does not allow cancellations or refunds???? So I requested they re- investigate because 1. I did NOT sign the credit authorization AND 2. Never received any merchandise for XXXX Lastly, I have been receiving statements stating I am required to make payments although the entire balance is under dispute AND I have yet to receive a response since I faxed the documents to them on XX/XX/2018. That is over 60 days!
Penn Credit Corp., XXXX, has robo-called my house at least XXXX times over the last 6 weeks with a recorded debt collection message for a relative who has not lived at this address for 12 years. The message warns of a past due debt but provides no information other than a demand to pay the unnamed debt or to call to make payment arrangements. The actual debtor is not identified and I am certain is not valid. The robo-calls are always after XXXX in the evening. There is no apparent alternative to stop or even address the validity of these debt collection calls without calling Penn Credit Corp.
Someone unknown to me used this credit card for a period of about 1 month. The issuer had notified me that they were discontinuing the service and I. 

When I received a statement reflecting charges I contacted the bank by phone, told them I had discarded the card and that the charges were not mine. 

Since then I have not received a response from the bank but continue to receive statements and numerous threatening phone calls. I 'm a XXXX senior ( XXXX ) on a fixed income and the continuing harassment is taking it 's toll on my well being and state of mind.
In XXXX I filed for Bankruptcy. In XXXX and XXXX I filed for chapter XXXX bankruptcy. After review of my credit report I see all three credit bureaus have listed the bankruptcies on my credit report using inaccurate information. Each credit report states they obtained the information from the US Bankruptcy Courts and listed their name and address. I have contacted the US Bankruptcy court and they have informed me that they do NOT send bankruptcy information to credit agencies. Therefore, the information on my credit report is inaccurate and I am requesting the information deleted from all 3 major credit bureaus : XXXX, XXXX and Experian. FCRA states not false information is allowed on a consumers report. I have tried to dispute this will all 3 companies and have not received a response.
I currently have a refinanced loan with Quicken loans. In early XX/XX/XXXX I received a call from XXXX who only identified herself as a person with Quicken loans about my loan. She said XXXX had been trying to reach me about working on my credit rating. I said there was nothing that could be done about my credit rating because of my high medical bills out of pocket each month. She said that I should talk to XXXX that he had ways to help repair my credit. So I called and talked to XXXX and he said if I could get the two credit cards I have paid off that they would be able to remove the PMI from my loan. No one at this point every said it would be a new loan. All I was told was to get my credit rating up and they would remove PMI from my loan. I did as XXXX told me to do which was to sell off investments to pay off the cards. I understand now my credit rating is XXXX. This cost me about {$5000.00} in broker fees and money lost in money that would have been made had I left that money in the stocks and also monthly income that would have been earned. 
In the last week I have been getting calls from other Quicken loan officers about my new loan. I have never heard back from XXXX again. I found out today on XX/XX/XXXX that XXXX is a mortgage banker. I called today and spoke with XXXX he said now he never said he would remove my PMI that all he was doing was working with me to fix my credit which I have done so the PMI Would not be on my loan. Until today he had never told me that I would have to do a new loan and that the PMI could not just be removed. All he said he was doing was working to improve my credit so the PMI would not be on the now he stated new loan. This was the first time he used the words new loan. He gave me XXXX phone number and said I would have to discuss the terms of a new loan. I said I was not paying thounds of dollars for a closing and new appraisal of the house and witness fees and attorney fees to have XXXX dollars a month taken off my loan. I called and talked to XXXX XXXX Sevicing Resolution Specialist with Quicken loans who I had worked with before when I had problems with the last loan. He said I would have to talk to XXXX about terms of the new loan. That they could not just remove the PMI from my current loan until the 11 years were met or/and the life of the loan. I do have a call into XXXX.
I have been disputing items on my credit report with these bureaus for years. Nothing has gotten removed at all. I was and still am a victim of identity theft. No one has verified any information or anything verifying that the accounts are mine, which they are n't. I need these items removed asap. The items on this bureau that need to be removed are : both bankruptcies, all inquiries except for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong on my credit report. I have never, ever lived there. 

Also regarding XXXX, my name is XXXX XXXX, not XXXX XXXX. 

I need assistance in getting these items off of my report as they should not be on there and they do not belong to me. I am a victim of identity theft/fraud. If they are not removed I will be filing lawsuits immediately.
Carrington Mortgage Services , LLC, XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX is unfairly inflating the Escrow reserves amount in order to increase our Monthly Mortgage Payment by 21.77 %. The escrow analysis was incorrectly prepared to reflect XXXX Winter Property Taxes being paid in XX/XX/XXXX, and XXXX Summer Property Taxes being paid in XX/XX/XXXX. The escrow reserves amount is excessive. Customers of Carrington Mortgage Services , LLC should be warned about the unfair servicing practices of this Mortgage Servicer.
Money was refunded and accepted from XXXX XXXX to a closed account through a debit card that was used for initial purchase. Wells Fargo states they accepted the money but then re-routed it back. XXXX did not receive the money and Wells Fargo will not provide any routing information or proof that they did this. XXXX has provided me with documentation that the money was accepted by Wells Fargo. Wells Fargo will not return my calls from the debit card office. I have dealt with a local branch manager that was trying to help me with this and ended with him just trying to assure me that the money was returned. The amount was {$420.00}. The money was sent to Wells Fargo on XX/XX/XXXX. Initial purchase date was XX/XX/XXXX.  Account at Wells Fargo was closed XX/XX/XXXX and debit card was removed from XXXX account by me shortly thereafter. I was told that refunds will be sent to the initial card it was charged on despite it being closed by customer. Both sides deny they have the money yet one of them does. The next step was that I filed a complaint with the Federal reserve and almost immediately got a call from the division of debit cards for Wells Fargo which I had left countless voicemails to without return calls. An employee, XXXX, was very helpful and placed a 3-way call to XXXX to resolve this. I was on the phone with her, someone from XXXX that she had called and we were transferred around until we got a manager from a call center that finally just stated that they would send the money in a check and that I would receive in in the next 15 to 25 days. I thought this was resolved until I never received a confirmatory email and of course never received a check. I then called XXXX and through several transfers got to a regional manager that stated that they have no record of the call, no check issued and stated that XXXX has a strict policy and would have immediately disconnected if they were ever on the phone with some bank employee. They again told me that Wells Fargo never routed any money back to them and it is likely in an account for unclaimed funds through Wells Fargo and they need to find it.
I am a XXXX Veteran and I am/was a customer of XXXX XXXX XXXX ( XXXX ) home warranty paying {$53.00} a mo for coverage - Six ( 6 ) months ago I received a letter from XXXX reflecting that I was overdue for that months pmt - I have been signed up w/XXXX since moving into our home back in XX/XX/XXXX and had pmts set up on direct debit/electronic fund transfer to XXXX monthly for the {$53.00} pmt - I subsequently contacted XXXX to find out why my pmt was late as I have been on direct draft pmt for the last three yrs - I asked the XXXX rep what happened and they couldn't give e an answer - I then received a second notice of overdue pmt for the second month in a row - with debit card information ( 16 didget number ) enclosed in the 2nd letter that was incorrect - I once again called XXXX and asked them what happened and that the debit card info on their 2nd letter was not mine - The next four months went by - my wife or I haven't submitted a request for any type of services from XXXX - and now after six months have elapsed since receiving the 1st and 2nd past due notices form XXXX - we have now received a collection notice from XXXX XXXX XXXX. in XXXX XXXX IA which reflects we now owe {$160.00} and that it has to be paid w/in 30 days of the date on the credit collection agency of XX/XX/XXXX. Upon receipt of the collection notice I once again called XXXX and asked to speak to a supervisor - ( foreigner ) did not have command of the English language and did not attempt to resolve or even listed to my dilemma - and hung up the phone on me - I attempted a 2nd call - both calls in succession today the XX/XX/XXXX @ XXXX and XXXX XXXX - to no avail the rep would not allow me to speak to a supervisor the 2nd time I called and did not offer any assistance of any type or listen to my dilemma. I requested that both of today 's calls be annotated on my file and that I was reporting their company to the XXXX XXXX XXXX and what ever other agency I can report them to as a victim of their direct negligence to listen, assist, and resolve my billing discrepancy they are responsible for this mistake that XXXX we feel is directly responsible for - My wife has also contacted XXXX in trying to explain this same situation but was told that it is our responsibility to pay our debts - Our argument is that " HOW DID OUR MONTHLY PAYMENTS GET STOPPED WITHOUT MY AUTHORIZATION OR REQUEST TO STOP? '' Then to receive past due notices without no explanation?
My credit report was given to a company and marked as a hard inquiry on multiple separate occasions when the creditor had not bearing or rights or permission to have full access of my credit report. I ask that these be removed from my credit report as I did not authorize access to a full credit report to be obtained by the following companies! 
XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
from my previous case from bank of America ref #  XXXX . all what bank of America did was send the same paper work again for me to fill out. I have done this twice and sent it back to them with all documents requested. they keep sending me the same exact thing over and over again. they never returned calls and they person you get on the phone does n't even know what is going on with your case or how to explain i t.
You and they have multiple reports on file concerning the continued abuse of the LAW. Businesses continue to respond to inquiries even though there is and has been fraud alerts on the file. Also even though they have been advised I do not want queries they resist and say tough! To date I have been advised I have over XXXX inquiries on my account!! All of this has caused me sever financial harm! My credit score is lower by a major number increasing my loan rates and terms! What good is the faade of a LAW?
I was part of the Equifax credit information hack, along with half of all Americans. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.
Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an extremely poor job in the first place. Thank you for taking time to read my complaint.
Mathematica  lly, the best way to reduce the amount of interest I pay on my portfolio of loans is by paying the minimum balances on the lowest interest loans and allocating the rest of my payment to the highest interest loan. This is known as the " avalanche '' repayment method.
If you submit a monthly payment to Navient online that is larger than the minimum payment, Navient simply allocates the surplus evenly across the portfolio of loans. Anyone who understands the compounding interest formula will know that is the best way for Navient to maximize the amount of interest it collects from its users.
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Navient does not current  ly allow its users to utilize the avalanche repayment method through its online interface. The only way to do this is by physically mailing them a monthly check with handwritten instructions for payment allocations. In  XXXX , this is a pure evil.  <P/> I reached out to  Navient  about this in the fall of  XXXX , but they did not take my feedback seriously as the functionality is still not there for avalanche repayments online.
On XXXX/XXXX/16, I disputed the account XXXX account, account number XXXX .... on my Experian credit report. I was but am no longer an authorized user on this account. I asked them to delete this account from my report. My Experian report does not show this dispute in the comments section, which is required, and there is no evidence that they are working to delete this account. The desired outcome is for this account to be deleted.
At the beginning of the month I agreed to participate in a payment payment plan to prevent my account from defaulting. On XX/XX/2018 due to an error in my original payment I agreed to pay XXXX dollars towards a forbearance that would prevent the default. The payment plan was agreed to pay XXXX a month for three months consecutively. 
I received an approval letter on the XX/XX/XXXX for the forbearance. 

Not until the XXXX was I notified that there was an issue with the payment. Apparently my bank rejected the check however my bank stated they have no record of this payment coming through. 

Now navient is refusing to give me the forbearance after taking my card payment for XXXX dollars. Stating that I will have to pay XXXX plus XXXX in order to stop my account from defaulting. 

I am barely able to make the monthly payments and now because of an error on there part that they admitted to now my credit will be affected.
Received multiple calls asking for a person that I do not know. I have told the company to stop calling me and leaving me messages but they continue to do so.
XXXX credit reporting keeps reporting the same incorrect negative and false information that I have disputed and the other credit reporting companies took the negative debts off my records over a year ago. 1st on is Sound Screening for an apt that debt occurred on XXXX XXXX and it stated that it would be off on XX/XX/XXXX from my records which as of today XX/XX/XXXX it has not. Another one is WA State child support that this was an account that mistaking got on my credit reports which was removed ASAP but XXXX credit report refuses to remove after several disputes since XX/XX/XXXX.
Midland Funding is trying to collect on a debit that had already reached the statue of limitations with XXXX XXXX Bank. Account was closed, marked as paid and then re-opened for around the same amount. With a new account number to continue collecting on a debit that they have almost tripled the original amount owed. It says that this is due to fall off my report as of XXXX but what is stopping them from doing this all over again and extending it another XXXX years?
I had defaulted on XXXX of my private loans due to not being able to pay the over {$700.00} a month payment. My Mother and I had called them and went through all the steps to sign up for a lower payment that would include all XXXX loans. We have made XXXX payments so far and was told that if we made XXXX consecutive payments, my loans would come out of default. I am now, along with my mother, getting notices saying that I am in default with my loans and I need to take action now. I am very confused as I thought everything was settled and worked out. I am very upset because we were given an amount based upon the financial information we had given and now even though we are making these payments and on time, we are still being told that my loans are in default.
My credit report indicates a hard inquiry from XXXX XXXX on XX/XX/2017 and XX/XX/2017. At that time I was applying for financial aid via ( XXXX ) not a student loan.
In XXXX of this year, I received a credit alert that XXXX amounts in the of {$2100.00} and {$42.00} was illegally added to my credit reports in violation of the Fair Debt Collection Practices Act ( FDCPA ) by Enhanced Recovery, LLC. 
I sent a letter requesting validation from the company that this debt was mine, and I had never received correspondence or proof fro there company. 
Letter sent to Enhanced Recovery to cease collecting and delete from my credit reports on the false claim of debt is attached.