WillisBack/dataset-financial-user-claim huggingface dataset:
I was XXXX when this was opened and in a foreign country. I did not receive any notifications at all on this. I was unaware of this going to collections. Is there a way that I can just have this removed due to the Sailors relief act.
I am a victim of identity theft. The following credit inquiry on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXXXXXX XXXX, XX/XX/2018 XX/XX/2018
Hello, I have recently inquired about transferring my personal property into my business which would require me to obtain a business loan. I have been attempting to do this with XXXXI began working with XXXX XXXX XXXX XXXX # XXXX ) in XXXX of 2015. It has been a nightmare dealing with her and I have found her conduct to be extremely unprofessional. Initially she took all of my information, and I was extremely transparent about my goals and quick to respond with financial information as needed. Eventually communication began to wane and weeks were going by without an update. She would haphazardly ask for different forms at the last minute, and would not bother to call or make sure these " last minute '' request were received. At one point after asking her for an update, calling both her work and cell phones AND sending an email, she emailed me back saying the loan was cancelled-she did n't realize that everything had to be completed within 21 days of initiating the request, AND she tried to say it was my fault because she asked for a form on Friday and it was n't there on Monday XXXX the same day it was cancelled apparently XXXX. 

I still proceeded to try to re-apply and continue the process with XXXX XXXX and BB & T. I had to consistently XXXX her down for updates. There were 2 WEEKS where I have heard NOTHING. I eventually caught up with her on her cell. She proceeded to tell me that she " thinks '' the hold-up is some additional paperwork that she " personally '' has some concerns about, AND when I asked if it were possible to just check in regularly even if there is no new information ( which I 've never heard of ), she basically refused. 

Eventually I complained to BB & T about the process, and after talking with her apparently, they said my application was in underwriting and they were n't sure when I would hear back. That is totally bogus and I know this because I have 3 other loans and I know how the process works. Coincidently, I received an email from XXXX XXXX a week later saying they could n't help me with my loan. No REAL or clear reasons, AND this was more than 2 weeks after my last interaction with her. I found this experience to be totally unfair, unprofessional, and unacceptable.
I received many emails from Navient suggesting forbearance as a solution to my struggle to pay back student loan debt. I explained in a response that I would like to know more about income driven repayment options and was referred to a phone number to Navient customer service who said they could mail me a packet to fill out in order to apply for income based repayment. I called twice to request the packet. I still have not received said packet. I talked to someone at Navient today who said that they wo n't send out the packets anymore because of that and gave me a different contact to call to request the packet. No one has explained repayment options to me yet.
We paid it off in XX/XX/XXXX through another bank. They keep saying they did n't get the proof! Our bank and ourselves sent info. Received letter from them, again, saying they are going to redebit our account and consider it out standing.
I was charged XXXX balance transfer fees of {$420.00} and {$60.00} in separate instances, and these fees are unauthorized because I did not receive a letter of disclosure or any type of information stating that I would be charged for using the balance transfer checks. Bank of America is forcing me to pay {$480.00}, which I will not pay. Requesting your assistance in resolving this matter. Thank you.
On XX/XX/XXXX, I received an email from Experian saying that my credit score had dropped. I logged into my Experian account and after reviewing it carefully realized that the problem originated from a vehicle lease that I hold with XXXX XXXX XXXX. XXXX had changed their policies on how they determine each leaseholders credit with the effect of dropping my credit limit by {$15000.00} overnight. They did this because they want to show the lessee 's credit limit as the balance left on their lease. The problem with their strategy is that it effectively lowers the lessee 's credit score every time they make an on time payment on the lease. I have reached out to XXXX to no avail and have submitted a separate complaint through CFPB to them. 

However, I also tried to reach Experian repeatedly to notify them about the problem and ask them to get involved. I called their office on XX/XX/XXXX at XXXX XXXX   EST when their office hours showed they would be open but I was told by the automatic system that there was an hour wait. I called the next day when it first opened ( XX/XX/18 at XXXX XXXX ) and was told that there was a 5-7 minute wait. I waited for 46 minutes and no one ever answered the phone nor was their an option to leave a message or have a call back. I entered queries into their website but nothing happened and there is no live chat option. I am furious that I can't reach them in person and this policy punishes the consumer for making timely payments on their lease. what a sham!
After seeing a promotional flier for a Marriot Rewards credit card from Chase Bank, my wife and I opened an account when promised XXXX points and a free one night stay at Marriot if we  spent {$3000.00} within the first three months of the account. 

We spent over {$4000.00} and still have not received the XXXX points promised to us. Chase/Marriott have switched the offer to something that we did not agree to in the application process. 

I have called Marriott Rewards five times about this issue and I have called Chase two times on this issue and it still has n't been resolved. 

XXXX XXXX XXXX ( Chase card last four digits # XXXX ) XXXX XXXX XXXX
I was unexpectedly hospitalized in XXXX of 2015. While I work and have medical insurance, I have a XXXX child with limited income. I submitted a financial assistance packet for review to the medical billing office of XXXX XXXX XXXX XXXX for the hospitalization bill. It was reviewed, accepted and the account was closed and settled in full. During the process XXXX XXXX XXXX XXXX had sent the bill to Collection Consultants of California, and retracted it the same day. I have called Collection Consultants of California and notified them that the account was settled in full. I have also provided CCC with proof of this via fax ( with confirmation ) of my notice of account settlement letter from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has called them twice on my behalf in an order to close out the account. Collection Consultants of California has continued to harass me regarding the debt, they have not properly closed the account although it was settled in full. They have now sent the debt to my credit report to negativity affect my credit. They are unlawfully harassing me, and will not remove the account from their files although it was paid in full. Please help me.
I have not been contacted by my servicer since I submitted my short sale package 1024.41 Loss mitigation procedures. 

We are filing a complaint because the servicer received a loss mitigation application request on XX/XX/2019. They are currently in violation of 1024.41 ( b ) ( 2 ) ( i ) - Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer  acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options. 

As of todays date the servicer has not stated in writing whether the application is complete, incomplete or stated whether and or what additional documents are needed to complete the application. 

I spoke to XXXX, they received the package last XX/XX/XXXX XX/XX/XXXX
XXXX XXXX was give a trial plan by SLS.. He made the XXXX payments. SLS then said he failed the modification because he did not return the correct modification paperwork. He said he never got them and could they resend them. SLS said they were sent to his XXXX XXXX . POst office had no record. SLS then emailed him the paperwork. But the paperwork they kept sending him in XXXX. XXXX and XXXX was not the modification documents but the letter stating he was approved for hamp tier 1 with the NPV values. He signed it and returned it.
I contacted the creditor and they acknowledged that the account was in error and that I did not owe the amounts in question. I have a letter from the creditor stating the same. The creditor contacted all three credit reporting agencies to correct the information and only Experian continues to have the account as legitimate.
I was a victim of the XXXX  credit profile data breach, I now am a paid subscriber to all the 3 main credit reporting agencies, I noticed on several of the credit burros were reporting inquiries that I never made or asked for. the credit burros worked with me to investigate them and settled them accordingly.. 


I called Transunion 6 months ago to report to them I didn't know who 5 of these inquiries were form they refused to listen to me dispute them, I told them I disputed them, and they asked me to got to the police and get a police report then they would delete them from my credit profile. I went to the XXXX city police department, XXXX precinct. a police officer at the desk told me they had no way of knowing if the crime occurred within XXXX city or not, the lady officer did give me a police report pamphlet with a note saying as much with her phone and badge number..i faxed this with my dispute letter to Transunion. when I called in the next day the transunion representative told me what I had sent in was not sufficient to investigate my claims that I didn't know who made the inquiries.. 

I called again and got another representative who told me anyone can pull me credit without my permission and this was the law, but I read on the government fair credit act I have to give permission, which in these 5 instances I did not give permission and I am certain I didn't.. 

the 5 inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I dispute these inquiries on my credit report because I never gave my permission for them.
I currently have an account on my credit report from XXXX XXXX that I did not authorize to open with a current balance of {$950.00} that has been sent to collections, the reason this account was sent to collections is because I was informed a payment was never made on this account from the day that this account was opened because I never authorized the account. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my information
Hello, I had mortgage with Bank united and now when I call or see online account, it 's no longer there, there is no help at all, they said they sold my mortgage but there is nothing send to me, please help
Hello, On XX/XX/2018 i paid the last bill issued by financial and after calculating the fees in total i found out i paid extra XXXX $ They supposed to refund this amount to me by XXXX I tried to call them but every time i speak with an company representative they keep telling me that they issued the refund and i will receive it in 15 days The problem is they keep telling me this every week " we issue the refund and you will receive it in 15 days '' Last week i called and i asked them to send me the receipt witch show s that  they indeed send the refund but they refuse to do that witch means that they didn't send nothing at all today my wife called them again and they say they will issue the refund and we will receive it in 15 days every time we call they sell us same story we issue the refund today and you will receive in 15 days Thank you for reading this complaint
Re : Loancare loan # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, XXXX XXXX XXXX I am fully up to date on my mortgage payments. I have {$2400.00} in my escrow account ( see attached statement ).

My mortgage servicing company, Loancare, failed to pay my city property taxes. 
I have been calling them multiple times, beginning in early XX/XX/XXXX, to verify my taxes have been paid. Customer service repeatedly told me they would take care of it, but as of today, XX/XX/XXXX, they have not paid them. 
I had to write a check for my city property taxes in the amount of {$830.00} and take it to the city clerk myself today. 
I should not have to pay my property taxes myself, when there is plenty of money in my escrow account. And when I repeatedly asked them to pay my city property taxes. This is fraud, as far as I 'm concerned.
I filled out a form online asking for current VA mortgage rate quotes. I did not include my social security number on any form. This lender just sent me a letter telling me they could give me a mortgage after running my credit. When I checked 4 companies ran my credit, when I only authorize one of the four. My credit score took a hit from XXXX to XXXX because of this. I need it fixed ASAP because I am in process of buying new home and need best rate I can get.
In 2017 I filed a complaint with equifax regarding an incorrect balance on my credit report with XXXX XXXX. I informed them that they are reporting inaccurate information and asked them to verify the information. They refuse to remove the false information.
I thought I had set up auto-payments on my XXXX XXXX  store card but apparently did not and have discovered this is not even an option they offer. I think this is blatantly anti-consumer and should be required of credit companies. 

Here are the details : Payment was due XXXXXX/XX/XXXX 

When I checked my account 2 days later ( XXXX ) and realized I was not set up for auto-pay, I paid the {$350.00} balance in full. 

Because of this erroneous assumption about auto-pay, I was charged a late fee of {$27.00} ( XX/XX/XXXX ) a " finance charge '' of {$7.00} (XX/XX/XXXX ) When I firmly complained to XXXX XXXX they agreed to give me one-time relief and credit back the {$34.00}, for which I thanked them heartily. 

Still, is n't there a law that requires credit-issuers to provide the auto-payment option to customers? 

Consumers should ALWAYS have the option of setting up auto-pay as a way of ensuring they make timely payments. We are busy, busy people trying to do the right thing and pay on time. 

Please help the consumers! 

Thank you.
These companies are deliberately giving consumers the run around. I consistently can not get access through either XXXX or TransUnion. XXXX seems to be the only one that works. XXXX literally makes you FAX information. I do n't have access to such outdated technology. XXXX does allow you to still submit disputes online, but when you actually try to submit the forms, it does nothing! No submit, no nothing. You just stare at the form some more. There are n't that many fields, I can see them all - none are empty. In addition the address field is n't actually long enough to put in my address - if they meant these things to actually work, you 'd think that would have come up before now. " XXXX '' is n't exactly the longest street name in the world. In my opinion, these forms are made deliberately inaccessible and unfunctioning so that people will simply give up. When is the last time you 've ever tried it out not using some dummy account they gave you for demo purposes? My report is so messed up that I probably wo n't be able to buy a starter home despite the fact that I have $ XXXX in the bank, and I can not easily fix it. If you want to know why the housing market is terrible, perhaps it 's because people like me have had their scores messed up by shoddy reporting, and perhaps do n't want to jump through hoops of fire using outdated technology and snail mail just to prove to some garbage in garbage out, soulless algorithm that we meet high standards, particularly when the credit reporting and website experiences do not meet the lowest possible standard - that is, they function. When you consider how much rides on these scores, it does n't give me a whole lot of confidence in the entire system. Not sure why I 'd really want to buy in at all.
I have sent several letters to LVNV Funding and sister company Resurgant Capital Service dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXrequesting validation that this is indeed my account. They have not responded to any of my letters sent Certified Mail, which I do have proof that they received it due to signatures. They have not provided me with any kind of validation bearing my handwritten signature or that I have any contract with them. I, therefore, request that this account be closed and removed from all 3 credit reporting agencies. I have given them an ample amount of time to verify this debt and they have not done so. If I do not get any kind of verification about this debt, I will proceed with a small claims action against their company up to {$5000.00}.
I applied for the BBVA Compass XXXX XXXX Credit Card. In the offer advertising mail sent to me it said 13 MONTHS SAME AS CASH. I entered the offer code online and I was approved. I received the card card. I did a purchase of {$550.00} on XX/XX/17. I just received the three page credit card statement today. NO WHERE on these three pages is notated the 13 month same as cash offer. On this day, over the past 5 hours I have called the company 's toll free phone number. Twice it asked me to leave a call back number, which I did but there was never a call back even 5 hours later. Many times I have called and a machine simply says, " Please try back latter. '' I have no way of getting this company to correct this if they will not contact me.
I tried to find out what the payoff was the said it was a fee involved which was not disclosed by freedom financial. They would not accept the certified check for the payoff and are going to charge me a late fee because they did not accept the certified check I just wanted to pay for my house. I sent them a check for  XXXX  on    XXXX   XXXX   XXXX    and was told it was not acceptable on   XXXX   XXXX   XXXX    and was refused to be allowed to talk to a supervisor.
XXXX XXXX - I made a sales agreement on the brand new house where I live in now. 

XXXX XXXX - When I mad the agreement, I also made an agent agreement with my realtor, and the agreement included that I will get {$1000.00} credit on the closing.!! 

XXXX XXXX - I started a mortgage loan after I got a pre-approval. ( This was right after the day of the sales agreement ). The mortgage company was recommended by the home builder. And I paid the XXXX of earnest money. 

XXXX XXXX - After several days, they told me I had to switch to FHA loan with other mortgage company referred by the XXXX XXXX XXXX, because I have a XXXX XXXX 

XXXX XXXX - I asked the home builder if I can get the earnest money back, and they said " no '' because it 's been approved on conditions. I did n't fully accept the situations and already got a lot of stress at this point, because I felt I had to keep going because the earnest money. 

XXXX XXXX, XXXX - I had a closing for my current house. 

XXXX XXXX, XXXX - I noticed that I did n't get {$1000.00} credit, and asked my realtor right away. 

XXXX XXXX, XXXX - The realtor finally answer this via text : " XXXX, I spoke with XXXX my Broker-in-charge at XXXX this morning. He said because your XXXX credit was n't on your closing statement & disclosed to your lender prior to closing we wo n't be able to pay you XXXX after closing. It 's also a violation of NC license law to pay anyone without a NC realtors license. I apologize for this error & promise to make it up to you on our next transaction. Any questions call me I 'll be happy to discuss it with you further. Also, If you would like to confirm this here 's XXXX contact info : XXXX XXXX, REO Specialist, CDPE, SFR, CDP, ABR, SRES, XXXX XXXX XXXX & SC Broker / Realtor XXXX XXXX XXXX, Broker-in-Charge ( C ) XXXX ( O ) XXXX Email : XXXXXXXXXXXX '' XXXX XXXX, XXXX - I did n't want to get promised for the next transaction, which I do n't know when it will happen. I wanted the XXXX. So, I emailed the lender and the realtor again whether there is any way to fix this. As of XXXX XXXX, XXXX, I have n't heard anything back from them. 

Contact Information for related persons/parties : - Realtor : XXXX XXXX, XXXXXXXXXXXX - Original lender : XXXX XXXX, XXXXXXXXXXXX - Final lender : XXXX XXXX, XXXXXXXXXXXX - Me : XXXX XXXX, XXXXXXXXXXXX
The following is our original submitted complaint from XX/XX/XXXX/XX/XX/2015 : My wife enrolled our children into a XXXX program XX/XX/XXXX. She stated she 'd pay by credit card to which they responded that they had an auto debit program. The agent produced a pre filled out form and my wife signed it in trust that it was to authorize an auto debit from our card. When we decided to pull or kids from the program we were advised we had entered into no less than a 12 month contract followed by a 30 day mandatory cancellation period when she signed the debit form. Trusting the company agent my wife never read the details because he was n't transparent to advise her the form was a contract. Now we 're receiving harassing phone calls from a third party company to which said document was produced by. I called the martial arts agent to discuss this situation to which he quickly washed his hands of by responding my dispute is with them and no longer with him. The third party billing company has stated to us that they will not stop calling us until we satisfy the amount due. This is a very dirty business practice being performed by what is considered by many to be an honorable and legendary form of self defense training which is posted throughout their facility. The third party collection institution also needs to be questioned about these non transparent business practices especially after I read the complains against them on the XXXX website. They go by XXXX aka XXXX XXXX A simple martial arts training for young children should 've never turned into this infuriating situation. 

XXXX aka XXXX claimed they were no longer pursuing the matter as communicated through the XXXX of XXXX XXXX / XXXX XXXX on XX/XX/2015. Now we 're receiving a notice of debt collection regarding the so called dropped case from First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Phone : XXXX. 

I am not familiar with debt collection since I 've never defaulted on credit and feel very threatened as well as helpless in regards to a matter that we were drawn into with the use of deceptive business practices by the original biller ; XXXX XXXX Branch, XXXX We contacted XXXX yesterday and they stated they are no longer pursuing the matter as well but yet we 're still being harassed now by a forth party. Any assistance in this matter would be greatly appreciated. 

Thank you.