WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, I refinanced my mortgage. Because of the way the dates fell, after payoff I was due back approximately {$1800.00} from my old lender ( Freedom Mortgage serviced by LoanCare ). One month after payoff, I called to inquire about my refund check. The XXXX rep said I had to wait 3 months before they would look into it further or reissue the check. I called back on XX/XX/XXXX. The XXXX rep had trouble finding my information because she said the loan was " closed '' and " archived '' so she had no record of it in her system. She said she 'd put in a request to have it reissued and I asked her to verify my address and she said it was correct. Weeks later ... still no check. 
I called back XX/XX/XXXX and was told the earlier Rep had " messed up '' and did n't file the proper reissue request. Then I was told my address on file was also wrong ( they had # XXXX instead of XXXX ). This Rep promised to put a rush on my reissue request. I called back last week because I still had n't received the check. This time I asked to speak to a Supervisor who claimed his name was XXXX XXXX and ID # was XXXX ( but he sounded as if he was lying ). He said my loan was closed and they did n't have access to my information. He could n't confirm the status of my refund check nor whether my address was correct. When I pleaded for help as I needed that money and asked him, would n't he follow up on nearly {$2000.00} if he was in my shoes, he said " No M'am ''. He pretended to take my email address and phone number and promised to follow up. Now nearly 7 days later and he has not followed up nor have I received my refund check. This is illegal for this company to hold my money in this way and claim to have no record of it. I can not believe this servicer is allowed to exist. They are corrupt and a total mess. I just want my money back that is rightfully mine, and I want the CFPB to investigate this company. Just look at their XXXX reviews to see how horrendous they are : XXXX They are stealing from US citizens . Now it is getting close to tax time and I was counting on these funds to pay my property taxes. What am I supposed to do?
I'm attempting to deal with Navient in terms of my student loans. At this point i wish that I would have never went to school. I got roped into the XXXX mess which then turned into the Navient mess. Navient continues harassing me with phone calls demanding payment from a defunct school where I never held a job with the garbage degree that i was handed. I have since changed careers. Navient insists that since I can not make a monthly payment of over {$1000.00} dollars that I should continue to ask for forbearance. At this time I am under forbearance while I attempt to finish school at XXXX XXXX to earn a degree in XXXX. I assumed that my loans were under forbearance until XX/XX/2018. I just received a letter via XXXX stating that my account is under litigation review? I don't make enough money to make extremely high payments, I don't know what to do? I was approved for forbearance on XX/XX/18.  Since then I have received four emails stating change in loan terms.
XXXX XXXX knows I was employed until XX/XX/XXXX. I moved as XXXX after XXXX in 2002 to the XXXX XXXX XXXX. I was at the XXXX till 2002 and the the XXXX XXXX location until XX/XX/XXXX. This wrong information might be due to a XXXX lawsuit filed in XX/XX/XXXX towards XXXX due to XXXX due to XXXX XXXX. I would call main personel at XXXX. Not sure isf I remember this # correctly but they are on XXXX XXXX XXXX XXXX XXXX Mo.
I have a credit freeze in place with all three reporting agencies. When I make a large purchase requiring a credit freeze, I " unfreeze '' the information. This costs XXXX dollars in each instance. I routinely have trouble with Equifax using the online system and must resort to calling them. This is a time consuming process and is inconvenient in that it has to take place during my working hours. I recently attempted to resolve this after my last attempt in XX/XX/XXXX. After a tedious e-mail exchange, I was promised a phone call which never materialized. I tried to contact them and of course they were closed. I do n't mind the periodic extortion for the automated credit lift but the company seems not to understand the responsibility granted to an entity that in effect controls an individuals financial freedom. All I ask is for Equifax to fix whatever error is in my file that does not allow either the automated phone or the web-based to access my account.
I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.
My boyfriend and I have been banking with U.S Bank for a little over a year now. Unfortunately for us and many other americans we have had some unexpected expenses. Recently my vehicle was in the shop and it 's expensive. I have medical payments that continue to grow each doctors appointment I attend. And due to this we have been struggling to make ends meet, with all the overdraft fees we have been assessed. It 's a pattern that 's been very hard to stop since our paychecks are short because of the fees we have been paying US bank. I request the {$180.00} dollars worth of fees to be reversed so it would allow us to get back on our feet and was turned down by a bank who is not compassionate and wo n't consider refunding {$180.00} dollars worth of fees. But it 's ridiculous that these large banks make money off of hard working individuals who are n't millionaires and I can guarantee if I was a rich the fees would of been reserved without hesitation. I do n't understand how it 's okay for a bank to pay a item and charge you a fee when it 's at their discretion. I am writing this so other consumers can be aware of what type of business U.S Bank is. And unfortunately we will be looking into switching to another bank. We recently had a payment go through for homeowners insurance for a little less than {$15.00} dollars and got hit with a {$36.00} dollar over draft dee. We paid rent and we were short no more than {$15.00} dollars and for hit with another {$36.00} fee. All I want is the XXXX dollars of fees to be reversed as a courtesy to allow us to get back on our feet and us bank has wasted my time. I have called, I have emailed them and I even went on social media. This is outrageous and I hope no one else has to go through this. Please please please stay away from this bank that only wants to make money off of young adults and poor people!
XXXX XXXX, my XXXX XXXX XXXX was totaled. XXXX paid XXXX over {$14.00}, XXXX for the car. Well, I assumed the care was paid off and I owed nothing. Back in XXXX XXXX, I started to receive noticies from NCB Management. I really thought it was a scam, until I finaly contacted XXXX. I contacted NCB Management, and proceeded to make monthly payments, which began in XXXX XXXX. NCB Management, after being paid each month, was still reporting my account as not being paid and reported at first as a new account and then change to collection account with the original creditor being XXXX for little of {$6000.00}. But, it strange that the balance was going down on the account. I have statements and emails stating that the account was being paid, but still stating that it was closed and never paid. I recently contacted NCB Management, after they sent the payment for XXXX XXXX back to the bank, they state that the account been closed since XXXX XXXX for non payment. Now I am getting these harassing calls stating that my payment was returned and I need to contact them. But now it is showing on my credit report that XXXX is now reporting the same account as a new account for collections.
I received this Transmittal on XX/XX/XXXX/2017for the amount {$73.00} but do not know what for, or too whom I would owe this debt. This is my first attempt to try an resolve the issue because the number provided on the transmittal says that there is no phone contact ability. 

Therefore I do n't know to whom or why I would bother to pay smithing that I have no knowledge of. 

The company in question is XXXX. Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX  PAXXXX XXXX
XX/XX/2018 Submitted credit card application. 

XX/XX/2018 Application for credit denied. Email sent stating : We are writing to provide you with additional information regarding the decision to decline your recent application. 

Link included : https : //capitalone.XXXXcom. No letter or download available. 

XX/XX/2018 Sent screen shot of original email from Capitol One ; Screen shot showing no letter / document to explain decline of credit ; Screen shot of XXXX account with XXXX credit score. 

XX/XX/2018 Spoke with representative from Capitol One who stated would send a letter explaining denial of credit within 1 week. 

Capitol One has been unresponsive and still has not provided any explanation why I was denied credit. This has caused me severe distress. 

I believe Capitol One has discriminated against me due to my age ; or other improper reasons unknown to me.
An attorney that was assigned to be my children 's advocate attorney in XXXX, continued to bill in spite of her lack of help for my children. I paid her retainers and monthly payments. My ex was responsible for half of all billings. He never paid his half. The attorney was dismissed from our case in XXXX. She continued to bill after. She then wrote off the debt and sold it to a collection agency. The collection agency then tagged my credit for {$28000.00}. The attorney write off was {$11000.00}. Bottom line, the amount billed is inaccurate, unjustified and illegal billing. The collection agency has been unwilling to work with me and take this off my credit, preventing me from buying a house. Further, I offered a debt settlement offer to gather an agreement to enable me to purchase a home and the collection agency was unwilling and extremely rude to come to any agreement. There are several complaints online about this collection agency and I believe it should be illegal for any collection agency to out anything on a consumers credit prior to obtaining a judgement that is awarded after proof from both sides is evaluated. I want this collector to be fined and made to get off my credit report to allow me to buy a home. Further, if I am unsuccessful in getting him off of my report, I will lose my escrow deposit and will be forced to file chapter XXXX. I need help to get this bully off my credit report and go about any further reporting after the correct amounts and agreements have been made. 
I have tried to dispute with the credit reporting agencies and the collector, XXXX XXXX keeps changing the dates and showing a ledger that is not accurate, justified or legal. He has put the collection on all 3 credit bureau reports.
I am deeply concerned by the recent Equifax data breach. Equifax 's negligence has allowed the personally identifiable information of 140,000,000+ Americans to be stolen. This includes names, date of birth, social security number, past addresses, and loan information. This breach poses a serious threat to all of those affected. The practice of using social security number for loan verification purposes is deeply flawed system and requires swift and immediate overhaul. 

Currently, the only way to protect oneself by placing a credit freeze with each of the three credit reporting firms. This is an arduous process, in which the credit reporting firms attempt to sell identify theft protection at every turn. To make matters worse, if a consumer does freeze their credit they are required to pay the firm in the future to lift the freeze. 

To summarize : 1 : Americans have no choice but to allow these credit rating firms to collect their private information. 
2 : The credit rating firms allow citizens ' private information to be stolen. 
3 : The victims have little protection, if any, and now have a lifetime of worry ahead of them. 
4 : The victims of this crime have to pay the very same firms who leaked their information to protect them. 

Please take action to rectify this grave injustice and protect the American public. Credit rating verification should not be in the hands of these reckless firms. It should reside with government.
I have contacted equifax about XXXX that 's been reporting against my credit for more than over 7 years and they are refusing to remove it. Instead of removing the negative item, they keep changing the date to show that it 's not older than 7 years. Attach is a document that shows the open date to be more than 9 years old and I 'm hoping this action will finally cause equifax to remove this negative item from my credit file permanently.
I have sent Midland Credit Management three letters to find out if they have proper legal authority to collect, proper transferee of ownership, Request first date of default as determined by XXXX
Equifax is reporting a judgment on my credit file that does not belong to me! I disputed this erroneous public record over 90 days ago and have yet to get a response from them. I called the court and they have confirmed that this judgment is not mine.
I purchased a XXXX {$200.00} certificate with points from American Express through the Amex rewards site ( I redeemed Amex points ). XXXX states they can not use the certificate # XXXX because Amex is not passing information to their system. Im out the {$200.00}.
Mr. Cooper erroneously reported my mortgage payment late to XXXX - this has negatively impacted my credit score. I've been working hard to pay my bills on time and this is unacceptable! 

On XX/XX/18 I paid the mortgage on their website. Mr. Cooper removed the mortgage payment from my checking account on XX/XX/18 and then reported me late to the credit bureau on XX/XX/18.

OnXX/XX/2018 I called Mr. Cooper 's customer service to request that they correct this mistake. Their agent told me I would have to mail all documentation to prove their mistake. I emailed them all the proof on XX/XX/18 and they have not responded. 

Why couldn't one of their employees fix their own error which has negatively impacted one of their customers?
On XX/XX/2018, I completed a settlement with Wells Fargo for the balance on Mortgage # XXXX. As part of that settlement, it was agreed that the taxes due on XX/XX/18 for {$1400.00} would be paid once Wells Fargo received the funds and closed out the case. The funds have been received and the lien was released on XX/XX/2018. 

Wells Fargo has not paid the taxes. The City of XXXX XXXX has sent me a tax sale notice for XX/XX/2018. 

Despite multiple attempts to communicate with multiple people, including the Office of the President, Wells Fargo is not returning emails and phone calls.
I am a victim of identity theft. The following accounts and credit inquiries listed on my Equifax and XXXX credit reports are all fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.
Application for pre-approval started on XX/XX/2016..I was approved and loan application was started with AmeriSave. A few weeks later I received disclosure and I noticed a figure of {$2500.00} " other income '' was shown.I explained at the time I want due to inherit stock but I did not have it in my possession yet.Underwriter has delayed processing and asked about this other income.Loan officer went back and " faked '' my income from Social Security to satisfy underwriter.Meanwhile I have submitted bank statements, tax returns, documents 2 and 3 times.These are shuffled back and forth between 2 officers and the underwriter..Closing was set for XXXX XXXX and has not happened.Has been delayed because they did not request HOA documents from condo assoc.I had to call and request that they be sent. They informed me they never received a request from AmeriSave.Loan application has been bogged down and delayed because they do not provide detailed info of what they need.As of XXXX XXXX they should have all the documents they need to move on to closing.It is not happening.Loan officer left on vacation and the other one no longer answers e-mails.Title co. and real estate agent try every day to get an update and get this loan to closing without anymore delays.All request are ignored.
I was interested in rebuilding my credit so I went to Bank of America on XX/XX/XXXX to apply for a secured credit card. I spoke with a loan officer and she suggested that I apply for an unsecured credit card and if I did not get approved for that then I will be approved for a secured credit card. I went through with the application and I did not get approved for the unsecured credit card but she said I was approved with the secured credit card. She then had me sign papers and said that my card will arrive in 7-10 days. I waited for my card for 2 weeks and I had not received anything so I called the bank and every person I spoke to were giving me the run around and could not help me ; I even spoke to someone higher than the manager and still no help. I work very hard for my money, barely earning enough, and heavily depend on each one of my checks to get by and maintain a decent living. Up until this day, I still have not received my money and it has caused a major setback for me due to late bill and rent payment. This should not happen to anyone in the least and I think it is very unfair and not right.
I have had multiple issues with Navient. First, I was unable to even log into my account for nearly two years! I called on multiple occasions to have my login and password changed and it never helped, so I simply had to call every single month when I needed an update or to check on my balance or anything. My second issue is with interest rates. I think it is absolutely absurd when my student loan interest rates are more than double that of my car loans or my mortgage loans. Third, the way they structure repayment options is that if you decide to choose how your payments are applied, ( I.e pay off higher interest loans first ) you are unable to enroll in auto pay which in turn causes you to lose a 0.5 % decrease in your interest rates. However the 0.5 % you save does n't even come close to comparing to the amount of interest they gain by paying the lowest interest amounts first and barely touching your high interest debts. Then, if you even attempt to get your payments reduced because your monthly payments for your student loan debt are nearly half of your mortgage payment, forget about it. You 'll spend three months filling out paperwork and sending it to half a dozen different departments only to be turned down in the end because you " make too much money ''. I did n't realize being lower middle class with barely anything in savings, living paycheck to paycheck was living large these days ...
On XXXX XXXX, 2017, I visited the website https : //www.equifaxsecurity2017.comXXXX to see if my information was compromised in the Equifax security breach. When I entered my social security number and last name into the required fields, I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' ( I declined the offer to enroll in XXXX XXXX, as I was concerned about how it would affect my ability to take legal action against Equifax if necessary. ) Based on this response, I 'm concerned that my personal information has been misused, and may be available to those who would use it to steal my identity. I have already placed a 90 day fraud alert on my file, and my credit report does not list any unauthorized activity. However, if my information has been compromised, then these things could still happen in the future for the rest of my life.
I 'm currently in contract to get a home loan a debt came up on my credit report from diversified collection agency which I contacted and they explain to me is from a time warner account under the name of XXXX XXXX which is not me my name is XXXX XXXX. This agency said my social security was used to open this account and they received that account from XXXX. I contacted XXXX they assure me and confirm that account was not open with my social security number or my name and I 'm an not affiliated with that account at all and they do n't know why that collection agency is trying to collect from or why they are saying my social security was used to open the account. There 's no fraud committed the only fraud I see is this collection agency pinning this debt on me. I believe is because yes I went through collection for a minor amount about 8 years ago and me and this person have the same last name so they picked my social security number to pin this on my credit report. So I was forced to pay the debt in order to make sure I get my home loan. But I did it in a dispute with XXXX which suppose to contact that collection agency and confirm that debt is not mines. I explain that to the collection agency but they still think is me I told them I want my money back asoon as this clears out. It seems like this collection agency do n't want to hear me out. It is not right what they are doing I 'm more upset about not getting this loan for my first home because they decided to mess up my credit.
XXXX is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that XXXX XX/XX/XXXX removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.
Been making payments for a year never late! Have been over charged for insurance that they said would be correct since the first payment they asked for proof of insurance on the vehicle. I provided it to them and they still are charging me an fee extra saying I dont have insurance? Now I made a payment on XX/XX/18 for the amount of XXXX and they said they didnt receive a payment. I proved threw the bank, several faxes and emails that they took the payment out of my account. But they said they didnt get it so they shut my car off till I make anouther payment. My bank told me to file a complaint cause the clearly took the money. I have made all payments with the same card for a yr no problem. But now they say no way to trace payment.
I applied for a XXXX XXXX Visa Signature credit card in XXXX. At that time, they advertised the card as offering a " Bonus Award Night ''. This means on award stays of XXXX+ nights credit card holders receive XXXX XXXX free. Less than two weeks after my application, this benefit was canceled starting XXXX XXXX. There are other, smaller, changes as well. All of this took place in less than three months after receiving my card and paying the annual fee. 

I have not even had the chance to earn the points promised to me for hitting minimum spend requirements of {$2500.00} before the benefits associated with such points have been taken. In short, I feel US Bank was deceptive with their advertising and dramatically reduced promised benefits with such little advance warning as to make the situation resemble a bait-and-switch offer.
I Do n't Know Who I Owe & If It 's Me That Owes ... Need To Know More About The Debt.. Who To Contact & If Information Is Right Who & Where Do I Send Money Too??