WillisBack/dataset-financial-user-claim huggingface dataset:
on the XX/XX/XXXX I needed to make a payment or pay a late charge, Citimortgage allows individuals to make mortgage payments using a debit card. I have done this in the past without a problem, On this day my debit card was not accepted. I hung up the phone. I checked the app on my phone. i had the funds to pay the mortgage and could find no restrictions on my card. I called Citimortgage back and tried to make another payment. Again my card was not accepted. I asked to speak with a supervisor. The supervisor and the representive both told me I could use my checking account. I explained I did not use checks because I used my debit card and could not remember my account number. The supervisor asked me if I would hold while she contacted my credit union.The supervisor, the credit union,  and I were on the phone together. There was no problem according to XXXX XXXX XXXX. From what I could understand, The problem seemed to be with Citimortgage. I told Citimortgqage I could send a money order, but I felt that I should not have to pay a late fee because I had made an effort to pay the mortgage on time. the suprvisor stated I would not have to pay the late payment as long as the credit union would send a fax to them about the debit card. The credit union stated they would send the fax. I went to the post office and boufgt a money order for {$600.00} and mailed it to the mortgage company. Since then I have received a phone and a email stating I owed a payment for XX/XX/XXXX.
I looked up my credit history and it shows jet Lending is destroying credit stating i borrowed money from them in 2011 this is false my information was stolen and i did not get a loan
My mortgage company increase my payment by XXXX % in one month. The mortgage company paid MUD taxes. The XXXX other Mortgage Companies that I had before Nationstar Mortgage knew that I owed the taxes Before I could sell the house I knew that all taxes would have to be paid.But Nationstar Mortgage wanted the regular mortgage payment of {$1000.00} but the {$2300.00} also in one month.Nationstar Mortgage knew that I was XXXX veteran because for close to two years tried to escrowe my account.Before this I made on time payments for three years to refinance my home from 7.99 % adjustable rate.Each time they would try and escrowe my account is it put me as late They took it off my credit report for awhile But Nationstar Mortgage never told my other creditors so my score suffered.Couldnt refinance then strong along with a modification plan.then told the forms were sent by mistake .Now in a chapter XXXX bankruptcy
I consolidated my loans in XXXX of 2009 to become eligible for the public service loan forgiveness ( PSLF ) program. The servicer at the time was XXXX. Despite documentation from XXXX that my loans were consolidated as income contingent in XXXX 2009, email proof I continued to argue for income contingent between XXXX and XXXX 2009, and documentation supporting that my payment should have been {$0.00} and qualified for PSLF, the current servicer XXXX has taken over a year to review my appeal. I have provided supplementary material twice and requested to see the documents provided by XXXX demonstrating I requested a forbearance when it would not be in my best interest and I have proof to the contrary. My requests for documentation have been ignored. Each time I provide material I receive an email stating that information provided by XXXX shows that my payments did not count -- yet I 'm not being allowed to view that information. This assertion, if not corrected, will cost me 7 months and XXXX {$3000.00}. I had an attorney send in a letter in XXXX via certified mail. We were afforded no response and I was required to re-upload the documents in XXXX despite having the mail receipt. 

This issue is similar to the issue I faced with XXXX where my repeated requests to lower my interest rate to 6 % were ignored. For 14 months I have been trying to find the number of payments and dispute those payments and I 'm being slow-rolled, kept in the dark, and provided with non-responsive answers. I am happy to provide your office with the letters I have written, the letter prepared by the attorney in the legal assistance office at XXXX, all of the enclosures backing up my arguments, and the non-responsive emails provided by the servicer. 

The cost of a lawsuit will most likely exceed {$3000.00} and the 7 additional months it will take before my loans are forgiven. I am being treated as if there is no recourse mechanism. I know there are XXXX other individuals facing similar issues with the PSLF program stationed in my area alone. For instance, if a servicemember pays just XXXX dollar more than what is owed, the payments do n't count and they tack months on the back end towards forgiveness ( that practice smacks of loan-shark-like tactics ). I had to fight for months to have my loans consolidated and I have to fight each time my loan is transferred. I hate to reach out for help but XXXX has exhausted my patience. Any help you could provide would be much-appreciated. 

My issues started after I consolidated into the PSLF program after I graduated from XXXX and started in the XXXX XXXX.
On XX/XX/XXXX my American express card was taken. On that day 18 transactions totaling around {$1800.00}. I ( contacted them on XX/XX/XXXX and the XX/XX/XXXX and they told me to go online and file a claim. I went onto the american express website and filed my claim that day and faxed over signed forms that they needed. They told me to wait ten business days for a credit. Now it is the 10th business day. XX/XX/XXXX and no one wants to give me an answer. They denied my claim and stated reason was " no error '' I 've been on hold over an hour ... no supervisor to speak with. They refuse to have the dispute team contact me or tell me any reason they came up with for no error.
XXXX XXXX hotel charged me for 2 stays that I did not authorized. They charged me on XX/XX/XXXX for {$140.00} and on XX/XX/XXXX for {$150.00} which I did not make. The time I stayed at the hotel was on XX/XX/XXXX which I had a one night reservation for which was {$140.00} which I paid already.

I contacted my credit card company that I used for this reservation which is Bank of America about this fraudulent charge on XX/XX/XXXX. Before contacting my credit card company I called XXXX main office and they couldn't tell me where those charges were from and so that is why I called my credit card company.

Bank of America mailed me 2 documents that was made by the XXXX XXXX hotel for the amount listed above. But I did not make any of the purchase on the card, XXXX   probably had my credit card on file. The worst part was, I could not even get ahold of my credit card company to rectify a solution. I was only able to talk to there first line customer service agents who could not help me in my situtions. 4 times I was told that I needed to call there fraud specialist ( I believe that's what they are call ). And was told to call XXXX.   Monday-Friday XXXX-XXXX ( converted to CST ).

I called on XX/XX/XXXX at XXXX and was on hold till XXXX and was told by the customer service that to call back Monday because the fraud specialist are only works M-F XX/XX/XXXX, I called at XXXX ( CST ) - XXXX, was on hold the whole time, no one answer the phone at all. The have this robot that answers the phone, getting a real person to talk to is very hard. XX/XX/XXXX, I called XXXX - XXXX - Called customer service again but was told they need to transfer me to XXXX because I called via their Bank of America XXXX app.

XXXX-XXXX - Called again and this time I was transfered again to another department and I hang up because I was getting the run around.

XXXX - XXXX - Called and was on hold, I did not speak with any live person. XXXX - XXXX - This time I called the customer service number and talked to a lady and I begged her to help me because I could not get any fraud specialist to answer my calls. She understood my frustration and said she will try to help but due to the fact she is only able submit fraud request, and outside of that her power was limited. She was very nice and said the computer allowed her to resubmit my dispute and that was all she can do for me. I thanked her for helping me.

On XX/XX/XXXX I receved a email in the Bank of America mailbox saying my request is denied.

My problem is that the fraud specialist did not even once tried to contact me via phone and ask for my side of the story. The only thing they did was by mailing me the 2 piece of paper made by XXXX XXXX and a letter from them stating to submit evidence if I was to dispute.

How would I submit evidences if I never approved or made those purchases?

No one from the fraud department contacted me on PHONE or EMAIL. I even made sure my profile was up to date on XX/XX/XXXX. I would have hope the very least they would have contacted me via email and they didn't. The " email '' function on Bank of America website only allow me to receive email from them and doesn't allow any replys.
I have not received a loan statement from VW Credit since the statement with a XXXX XXXX, XXXX due date. On XXXX/XXXX/XXXX, I emailed VW Credit as noted : '' Original Inquiry on XXXX/XXXX/XXXX XXXX XXXX : I did not receive a statement in the mail in XXXX and have not received a statement for XXXX yet. Please verify my statement is being sent to my address of record. Thank You XXXX XXXX ''. I received the following reply on XXXX XXXX, XXXX : '' Response on XXXX/XXXX/XXXX XXXX XXXX : Thank you for choosing Volkswagen Credit. We strive to provide quality customer service to ensure your satisfaction.You have not been sent a monthly statement because you do not have an amount due at this time. Your next payment will be due on XX/XX/XXXX.Any additional funds received on your account will automatically be applied toward your next due date available and the principal balance of your loan. Please be aware that the monthly statement will not generate when the full amount of the invoice has been prepaid. If you would like to have a payment applied to your principal balance only, please contact a Customer Care representative by phone. A Customer Care representative can have the additional money applied towards your principal balance as a one-time transaction and not a repeating transaction. If you would like any additional future payments applied towards your principal, you must contact a Customer Care representative by phone.If we can be of assistance in the future, please do not hesitate to contact us again through My Account or contact our Customer Care department at XXXX XXXX XXXX : XXXX ], Monday - Friday, XXXX to XXXX XXXX XXXX. ". Sincerely, Volkswagen Credit Customer Care '' There is not an option on the VW credit web page or via the toll-free number referenced to obtain balance information. The only option available on the website is Pay-Off option, which of course provides a sum for a limited window of payment in full of the total balance owed. 
There is no supporting documentation for VW 's denial of provision of a monthy statement in my sales contract.
would like to know if this derogatory statement can be taken off, although it was not foreclosed and ended up Short Sale. this has been a hard hit for me and getting to refinance is a show stopper. They got there money through short sale. This happened 2012. All I am asking is to please remove this statement as it not true and never happened a Foreclosure.
I sent a letter requesting removal of the XXXX XXXX XXXX account because the negative listing is inaccurate and has not been verified. I sent the letter on XXXX/XXXX/XXXX and it was sent via the Online Consumer Portal. I received a confirmation notice via email that XXXX XXXX XXXX XXXX received the letter on XXXX/XXXX/XXXX. It is now XXXX XXXX, XXXX and I have not received a response. 

As there has been no communication from Early Warning, I can only conclude that they do not have the information available to prove the negative listing from XXXX XXXX XXXX. Because the negative listing remains in my file, I must also conclude that they are reporting this information in error. Early Warnings failure to respond to my request in a timely manner is a violation of the FCRA, as is the continued listing of inaccurate and unverifiable information in my file. 

Per the FCRA Section 611 ( a ), Early Warning must now delete the unverified listing.
Credit provider did not allow no-fee over-the-phone payments in XXXX ( no option was available and customer service stated as much when asked ), causing us to rack up fees, penalty, interest, etc. unjustly.
I was attempting to file my annual re-certification for my IBR program with AES, but the online link to the IRS was not functioning. I called in to AES customer service and they said I could file the paper version, but it would take longer and therefore I would possibly receive a bill with the ( exorbitant ) default repayment rate as an amount due ; if that happened, I was instructed to pay the usual amount until I received a bill with the corrected IBR rate. I promptly filed the paper docs, as well as continuing to attempt the online link to the IRS until it finally worked. However, my next bill indeed went from about {$300.00} to over {$1100.00} due, so I checked online at AES and my IBR had completed and was increased to about {$500.00}, so I paid the {$300.00} as instructed and waited to receive a print bill with the new amount listed. The next bill, however, was for nearly {$2000.00}, plus late fees, with a threat of collections.

Upon calling in again, I was told that I was late with the IBR papers ( when they should have had records showing I was clearly not ) so I was on the hook. They eventually claimed that I could resolve the issue with a forbearance. They offered no other relief and refused to eliminate the late fees, so I said go ahead. However, what they actually did instead of eliminating the overbilling ( about {$600.00} ) was recapitalize all outstanding interest ( over {$2000.00} ) so they could charge interest on that as well. 

I don't know if your new boss has managed to gut your ability to handle these fraudsters, but I suspect that's what has emboldened AES to try this stunt. Thanks in advance for any assistance you can lend, but I'm not holding out much hope.
Title loan/personal loan ( not sure at this point ) .. Paid off, called local office no balance, company changed names/mgmt from XXXX XXXX to Mariner Finance.. You cam and can tget anyone to answer their phones and forced to leave message on random general voicemail. Now all of a sudden it sen to collections by Mariner to Colection agency called XXXX XXXX XXXX
i do'n owe any money i have excellent credit Experian keep entering out dated information on my report
XX/XX/18 I applied for a bank account at XXXX XXXX XXXX XXXX and they advised they do an inquiry on Experian to determine services you are eligible for. They told me my Experian was XXXX. I assumed it was accurate but it seemed really low as I have been trying to get my act together with credit scores. 

On XX/XX/XXXX, I applied for an auto loan and we did not receive the best rate as XXXX advised my Experian rating was still XXXX. 

It was at that time that I realized I had never looked at the info Experian had, just XXXX  and XXXX. 

on XX/XX/18 1- I pulled an Experian credit and it shows General FICO at XXXX with lowest Fico option at XXXX. 
2- I called the XXXX XXXX XXXX loan office and confirmed they use Experian but could not explain why there was a difference. 
3- I called Experian and they advised XXXX is incorrect and I should give them a printed copy of my report and invite them to contact Experian to discuss. 
4- I went to XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX, and spoke with XXXX XXXX , Consumer Loan Originator. Mr XXXX advised me that my Experian report was wrong and XXXX was correct. I requested he contact Experian, he declined. I requested he give me a copy of the report they have showing XXXX and he declined. 
NOTE : I have received a loan offer that could be better if the FICO score was accurate. 
NOTE : I am learning a great deal about credit and one thing I have learned is that it is not a magical guessing game. The bank should be transparent and the consumer should be able to get transparent and real information. If it differs from their understanding, the bank should be able to explain how they arrived at a different FICO score so the consumer can act accordingly. I do no t feel that has happened here. 
Isnt it my right, as a consumer, to get evidence of the FICO they are using so I understand it in future loan requests? Shouldnt the bank be able to explain to the consumer what is driving the difference, so they can fix it?
XXXX XXXX XXXX claims I have outstanding debt with them. This is a liability that they are fraudulently attempting to collect from me. I assume the result of identity theft. I have never heard of them, or of the original creditor ( XXXX XXXX XXXX ) that they claim the debt stemmed from. I have never been contacted by XXXX XXXX XXXX, and the first I heard of XXXX XXXX XXXX is when I learned of the derogatory remark on my credit report. They have NEVER even attempted to contact me. 

On XXXX/XXXX/XXXX, I submitted a dispute through their website. They have yet to respond to me, as they know they have acted with reckless disregard and are at fault. See attached for confirmation of the dispute I filed.
I recently was approved for an in-house modification with Ocwen. I submitted the first payment which was due on XX/XX/XXXX. However, I went to make the second payment, which was due on XX/XX/XXXX and see that everything has reverted back to the foreclosure/default status and my payment due is XX/XX/XXXX and they will not accept payments from me. The agreement and paperwork clearly states that payments must be made " within the month in which it is due or modification will be cancelled. '' XX/XX/XXXX is clearly within the month. However, I see that the status stating " your loan has been permanently modified '' has been changed to " you may be eligible for a permanent loan modification. '' I would like to modify the loan and stay in the home but can not go many more rounds with Ocwen.
I WENT TO A CAR LOT TO GET A CAR AND I TOLD THE LOAN PEOPLE THAT I ONLY WANTED ONE INQUIRE ON MY CREDIT REPORT BUT THEY TOOK IT APOND THERE SELF AND SENT MY CREDIT TO DIFFERENT BANKS WITHOUT MY CONSENT
I declare Myself competent. I am not a Corporation or a Public Entity. 
You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXXare agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will beconstrued as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. I do not have any contract for business with your company ( XXXX XXXX XXXX )
I have experienced so many problems dealing with Great Lakes XXXX. I lost my job in XXXX, 2016. I informed Great Lakes regarding my situation, and I have requested a forbearance for a year, and I was approved. Fast forward to XXXX, 2016. I landed a job in XXXX, 2016. But, I was making much less. I informed Great Lakes, and said that I could start making payments. I completed my Income Based Repayment form, took a picture, submitted documents using the Great Lakes app. I have n't heard from them, I called them the first week of XXXX, 2016 ; no one processed my application. I submitted my offer letter along with the application, uploaded to the Forms section of Great Lakes website. I called back, and was told that they could n't accept my offer letter, they needed my paystub. I submitted that. When I called again, they decided to process my paperwork. Then, I filed a complaint with Great Lakes. They failed to reached out to me. They told me that I would pay {$76.00} at the end of XXXX, 2016. I paid the {$5.00} that they requested on XXXX XXXX, 2016. They lied and told me that they would deliver my pay schedule to me. Here it is almost two weeks later, and I contacted them today, ( Monday, XXXX XXXX, 2016 ), they said that they have n't processed my request, and I have to pay {$200.00}. Why must I do that, when I requested a forbearance. I told them that I was done with them and their running around. I informed them that I will contact Department of Education, my Congressperson, XXXX, and the Consumer Financial Protection Bureau.I have all of my emails from Great Lakes, and my response to them to provide to you as backup upon your request. 

Thank you, XXXX XXXX
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score drastically. CFPB please step up and fix this ASAP please Im looking to purchase a home.
CREDIT BUREAU IS IN VIOLATION OF FCRA, METRO 2 COMPLIANCE, STATE, LOCAL AND FEDERAL CONSUMER PROTECTION LAWS.
I was charged XXXX starting XX/XX/XXXX and was promised my credit would improve. I have cancelled my service effective XX/XX/XXXX. I was charged 5 times in the month of XXXX. I also did not receive any service from this merchant. My credit has not improved and actually went down since signing up. I am trying to get my money back and the company is refusing to refund for service not rendered.
Honda Financial Services has made several errors on my credit report. I have tried several times to fix these errors with them and through the three major credit bureaus. I have not had any success. I am hoping to get the information fixed. 

The accounts that have errors are : Account # : XXXX - Late Payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX Account # : XXXX - Listed as charge off in XX/XX/XXXX and XX/XX/XXXX. We didn't even own the car anymore.