WillisBack/dataset-financial-user-claim huggingface dataset:
The agency, Immediate Credit Recovery Inc, stated over the phone on XXXX XXXX, that they had tried to contact me at an address I moved from in XXXX 2013. I only discovered there was a court decision when I saw that they had taken {$160.00} out of my XXXX SSI on XX/XX/XXXX. 

I have called and also emailed them. I was referred to their " XXXX department '' once the original representative, a XXXX XXXX, discovered I was on XXXX with the judgement that I was unable to work. But their XXXX department has not returned my calls and I 've been calling for XXXX week now. 

I have asked to see the court order, and the original debt, as I was under the impression that when XXXX took money from my court ordered back pay, my entire student loan debt was paid. I spoke to collectors prior to my XXXX award, at which time I had been XXXX homeless for about 6 years, so I did not refuse to pay the debt, I honestly had nothing to pay the debt with. This is a fact that another credit agency took the time to verify, so I do n't understand why this agency could not do the same. 

I have tried to tell the credit agency that with my current rent, after they take the {$160.00}, it leaves me only {$17.00} for the month. I can not easily find cheap housing, as I have been denied housing without a co-signer, because, I have been told, my monthly SSI payments of {$1000.00} are not enough for me to rent an apartment by myself. I currently have to rent month to month. 

I would appreciate at the very least to have the paperwork in my hands, for my records, to settle my debts once and for all. I do not understand why the agency could not find me at my present address in XXXX Michigan : I have lived here for over 2 years now, and other agencies have found me, such as the California XXXX XXXX. Also, they found my bank account information, which is a different bank than the one I used in XXXX XXXX. 

This is causing me enormous XXXX, which I understand is not easy for people just doing their job of debt collection to sympathize with. But I have little and sporadic family or social support here in Michigan, I am quite isolated and I feel helpless at this point. I am trying to find cheaper housing but until then, I do not know how to live on {$17.00} a month. 

Thank you for your time and consideration,
Today I attempted to pick up a moneygram transfer in the amount of {$200.00} reference number XXXX at the XXXX XXXX XXXX - # XXXX located at XXXX XXXX XXXX XXXX, MD XXXX. I used the moneygram app to begin the receive. However, when I reached the register the agent said the transfer was not available.
I am XXXX and cant get student finance because when i was XXXX credit was obtained in my name and at the family address dont know who by or who to ask and now i dont know what to do to help remove these.
XXXX. Called about an old payday loan. It 's long since been written off. They called me, did n't disclose it was a debt collection call. I had to ask four times what it was about. They claimed is was a bounced check. Another 4 times until they said it was for Check n Go. I hung up on him. Immediately called me back. I hung up again. Then they sent me an unsolicited email.
Hello, I have asked the following companies to remove the following negative inquiries which I am not aware of from my XXXX XXXX credit report. There customer service would not help me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX As you can see, these are multiple items They are not mine and are having a huge impact. 
Thank you XXXX XXXX
On XX/XX/2018 I made 5 bill payments for {$2000.00} each to XXXX XXXX at XXXX using XXXX 's XXXX XXXX XXXX service. These particular bills were processed by XXXX. 
My bill payments did not arrive at XXXX XXXX on XX/XX/XXXX as expected. I called XXXX and they told me they chose not to process the payment and that I needed to go back to the store where I made the bill payments to be refunded my transactions. 
On XX/XX/XXXX, I went to a XXXX location to receive my refunds. After 90 minutes of multiple phone calls and long hold times from the store location to XXXX, 1 of my 5 transactions was given a new number so I could  theoretically be refunded my payment. Unfortunately, XXXX put my name as XXXX XXXX XXXX on the transaction. My original payment, was processed with the name XXXX XXXX XXXX - which matches my identification and my original receipt from the bill pay location. The location I was at was unable to process my return payment because my ID did not exactly match the name on the XXXX transaction. I was then told I needed to send an email with my receipt images and my ID to XXXX in order for XXXX to correct the name on the receipt within 2-4 business days. I did so on XX/XX/2018. 
I have had several back and forth emails and one phone call with XXXX to try and get this resolved since then and am now being told it will still take longer to get this resolved. 
As an aside - on the 1 transaction XXXX tried to refund, they refunded only my payment ( {$1900.00} ) and not the XXXX processing fee of {$4.00}. When issuing the refunds, XXXX should refund the entire amount of {$2000.00} since they did not process the transaction and therefore should not collect the processing fee. 

Transaction numbers are : XXXX / XXXX XXXX / XXXX / XXXX
Chase Bank continuously pushes customers to go paperless on their mortgage accounts. I have had to turn off this feature numerous times and spend countless hours on the phone getting this straightened out. You should be able to review your accounts without being forced into something and then have to spend time reversing it to what you had to begin with.
In an effort to improve my credit, I requested a credit limit increase from each of the companies with whom I have a credit card account. All, with the exception of Bank of America, pulled a soft credit inquiry to make a decision, while Bank of America pulled a hard credit inquiry. While I realize they have the ability to access my credit, they should be required to advise all of their customers who are requesting a credit increase of the type of credit inquiry they intend to pull. I submitted my request online, and at no point did they inform me of this information. Had I been informed, I would have declined to continue. Their lack of informing their customer resulted in a XXXX point decrease in my credit score. They should be obligated to educate their customers on their process prior to pulling a customer 's credit, which may negatively impact them.
On XX/XX/XXXX, I made a subscription for an annual service on the site XXXX of U $ S XXXX. The pay was made trough PAYPAL with mine credit card since I don't have a bank account linked to my paypal. 

Then I realized that I chose the wrong option and applied for a refund that XXXX gently manage to cancel the subscription and refund me the same day ( XX/XX/XXXX ). 

Unfortunately, the refund didn't go to my credit card but yes to my paypal balance because of an " issue '' of the system. 

I contacted to customer support on XX/XX/XXXX and until today they didn't refund me my money to my credit card balance and I've already paid to my bank.
In XX/XX/XXXX, I purchased a home through a third party lender. The loan was purchased by Bank of America. Bank of America foreclosed on the property in XXXX XXXX, but continued to show late payments on the mortgage until XXXX of XXXX on my credit report.
I took a loan against my 401 ( k ) for the purchase of my home. I made a principal reduction payment, using the bank 's specific form, having selected the " principal reduction '' box. My sizable ( to me ) check was cashed on XXXX/XXXX/16 and as of XXXX/XXXX/16 the payment still has not been credited to my loan. 
When I called to inquire, I was told that it would n't be until XX/XX/XXXX before I heard back. ( That 's a week at minimum of the money not earning interest in my own bank account and not detracting from interest on my loan. ) I was also told that there were a number of different avenues to resolution, including the possibility of having the payment applied to the principal. I then asked the phone rep to check my XXXX/XXXX/16 payment, which had not been applied to the principal, rather it was applied as " pre-payments '' ( another option on the bank 's form ). I 'd previously assumed I 'd just checked the incorrect box, but due to the mis-handling of my current payment I believe the bank mis-appropriated that check also. 
I 've had numerous issues with this servicer that date back to the " how to '' call I made before making the decision to take this loan - I was mis-informed about how to make payments, full loan terms were not disclosed and not found on servicer 's website or in the loan docs. Now I can add what equates to grand theft to the list. 
I was told that my payment was sitting on a desk with a note on it that said " unprocessed. '' No, my check was absolutely processed, money processed right out of my own interest-bearing account to my 401 ( k ) servicer 's account. They likely have cost me additional interest since my XXXX/XXXX/16 payment as well.
My monthly mortgage payment went {$1800.00} /month to $ XXXX started in XX/XX/<YYYY> This happened because they opened escrow account which was not there while it was serviced by XXXX Mortgage. As a result, I lost the flexibility of making arrangements with the XXXX to pay property taxes and insurance payments with insurance company. As a result, I am perpetually XXXX payment behind all of XX/XX/2016. In addition, every time I try to schedule the payments or move the scheduled dates, I am being harassed perpetually.
I graduated from XXXX XXXX University with the XXXX in XXXX. My student loan debt at that point, including the debt acquired as an undergraduate, was roughly {$90000.00}. 

I accepted an XXXX XXXX position ( tenure-track ), which was to start fall XXXX, at XXXX XXXX  XXXX XXXX, and was encouraged by the lender to request forbearance for the student loans. This was supposed to give me some " breathing room '' to relocate from XXXX  to XXXX, before beginning repayment. 

Accruing interest was presumably " capitalized, '' increasing the loan 's principal. 

I began repayment in XXXX. Payments were geared so that I could afford them. On average, I paid something like {$800.00} a month. Interest nevertheless continued to be " capitalized. '' That amounts to something like {$60000.00}. 

In XXXX, my Congressman told me about a new loan forgiveness program -- Public Service Loan Forgiveness ( PSLF ) program. I was instructed to contact XXXX XXXX, have my loans " moved '' to XXXX XXXX, at which time they would now manage them, and pay 120 payments ( 10 years ). Given that these payments were all made while serving in the public sector ( I am a XXXX XXXX ), after that 10 year period the loan would be forgiven.

XXXX XXXX took over my loans. They claimed that I owed them : {$160000.00}. 

I'm not kidding. 

I had paid {$60000.00} against my debt since XXXX, and instead of making even the dinkiest of dents, my loan principal actually exploded! 

In XXXX or so, I was told that none of my payments would be counted toward the 120 needed for loan forgiveness, because they had been paid after the XXXX of the month. I had always been under the impression that payment was due by the XXXX, which is when I and my wife made the payments. I had never made a late payment. But, according to XXXX XXXX ( which became XXXX? ), I would need to request a change in due-date if I wished to continue paying on the XXXX and have those payments count. I did. 

It took 3 years for the system to finally make the change of due-date to the XXXX. 

In XXXX, I was told that none of my previous payments would count toward the 120 needed, because I had to submit an Employee Verification Form and had to be a participant in a special Income-Based Repayment plan. This was news to me. 

Keep in mind that I ( almost obsessively ) contacted XXXX since XXXX to make sure that I was doing everything required for the PSLF program. I was beginning to think that either XXXX representatives were incompetent, or, worse, actually working to place obstacles in my way. 

Now, since XXXX, I've paid XXXX on average {$800.00} a month, and so, I've paid XXXX about {$90000.00}. Added to what I paid before entering this program, I've paid about {$150000.00} against my student loans, and yet I still owe {$160000.00}. This is outrageous. 

I'm not asking for anything for free. I happily paid back student debt ( originally {$90000.00} ), and have paid about {$150000.00}. But according to XXXX, I still owe {$160000.00}. 

Most recently, XXXX says that they will count 39 payments against the 120 that I've made. That means that I still must pay another 7 years of payments! ( 81 payments )
I was made aware by an article I ran across online on XXXX/XXXX/XXXX that TransUnion had a system glitch on two separate occasions. One in the Summer of XXXX and another in the beginning of XXXX where inquiries were removed from consumers credit reports and then added back to consumers credit reports without providing them with prior knowledge of the glitches removal of said inquiries and of the inquiries being added back to consumers credit reports. 

The article further stated that the consumers should have received notification five days prior to the inquiries being added back to their credit reports, but I was never notified about the glitches removal of inquiries from my credit report nor was I notified five days prior to the inquiries being added back to my credit report. The article also stated that consumers should contact TransUnion immediately about the two glitches incidents because it is illegal to added the inquiries back to consumers credit reports without five days prior notification. 

So I contacted TransUnion on XXXX and informed them of the information I had just read and informed them that I was never notified about the glitches removing inquiries from my credit report and TransUnion adding the inquires back to my credit report. I also stated to the TransUnion representative that I am requesting that any and all inquiries on my credit report that were involved when these two glitches occurred be removed permanently. 

I was informed by the TransUnion representative that I must provided them with dates where I noticed that inquiries were removed and added back to my credit report. I asked the representative how can I tell you that when I stated that I 'm just now hearing of these glitches incidents. The TransUnion representative stated without me providing dates as to when I noticed inquiries being removed and added back they can not see if I was affected. 

I then stated to the TransUnion representative that I can only provided you with dates where my credit score increased and the decreased around the time of the said glitches incident because removing the adding back inquiries would impact my credit score. The TransUnion representative then stated that information would not help her, she then stated again that she needed the actual dates when I noticed the removal of inquiries and when they reappeared. 

Again I asked the TransUnion representative how would I know this information when I did n't know the glitches had occurred? She informed me their was noting she could do without it and she could not and would not remove any inquiries.
Equifax is refusing to investigate numerous fraudulent inquiries in my credit report that I did not initiate.
While checking my Credit/Score Report from Experian I came to notice missed information and I decided to complaint. 
I were reading " Concerning what's hurting my Score? " - " Short Account History " : Experian refers credit History within 25 years helps for a better score and mine are only 19 years 4 months, I came to figure out while blinked my left eye and start laugh on that, well came in my mind more then that. 
My question to this ; does Experian manipulates or try consumers look foolish? 
Well, I may offer my help to remember Experian the following : I purchased a house in XX/XX/XXXXat XXXX XXXX XXXX, XXXX XXXX RI XXXX, payment mortgage to XXXX XXXX XXXX, XXXX MA, I purchased a new car year XX/XX/XXXX, a XXXX XXXX and payments to XXXX. 
Well, even taking the latest date XX/XX/XXXX+ 25 = year XXXX, more then 25 years to present date, isn't true????? 

- " Seeking Credit " : How many do refused to open an account/card when shopping and the Commercial Retail are inviting consumer to have their own card from store. 
Experian does supply a report without be register as an hard inquire? or Experian does contradict the fact " more credit more power '', isn't true? 

- " Serious Delinquency " : One account within 60 days payment due. It is if Experian wants to prevail what are considerate wrong on their point of view that others 2 Credit Report Agencies don't see. When Experian does not want accept proves that all process are mislead. 

Enough reasons to ask, are Experian a honest or trustful credit report agency, does manipulate reports within second intentions, or a joke? I have my own judgment!!!
XXXX XXXX XXXX has breached XXXX remod loans the XXXX accepting my payments for 6 months on the XXXX then stating they had no record of my trial on file placing me in foreclosure I hired an attorney to later get another remod in place after my XXXX payment they did the same all payments were made in person at a XXXX XXXX XXXX branch on the XXXX payment the teller would not accept my payment stating the system showed a different amount due I showed my paperwork indicating my amount due I tried contacting them to be told in XX/XX/XXXX my loan was sold to another company I had to wait for a new loan number and contact package. When received was told I was in foreclosure I hired another attorney to help only now to be told the new company will not work with me and will lose my home of 22 years.
I have spoken to this collections department 3 times and explained what I am able to pay on a past due medical bill, but they continue to call and leave messages almost every day. I made a payment to them on XX/XX/XXXX and will make the next payment on XX/XX/XXXX. 

I WANT THIS AGENCY TO STOP CALLING ME AT ONCE! 

RS Clark & Associates, Inc. 
XXXX XXXX XXXX XXXX, Texas XXXX
We have Wells Fargo banking accounts. A banker was promoting Wells Fargo 's Visa card by saying if we apply a card and pay our cell phone bills once a cell phone is damaged or lost we will get a replacement with no question to be asked and indeed he got his own cell phone replaced. We applied a card and always pay cell phone bills by the card. Our daughter 's iphone got damaged and we took it to an XXXX. The XXXX replaced the damaged XXXX by a new XXXX, and we paid some {$300.00}. We filed card benefit claim by supplementing the XXXX receipt. The Wells Fargo benefit office found the excuses of not honoring this claim. 1st they said, we needed manufacturer 's cost estimate. Well, I called by explaining XXXX already replaced the damaged iphone. A representative acknowledged it as making a sense. Then no response for a long time until I called again. This time I was told I needed to get diagnoses. The damaged phone got replaced on XXXX XXXX! and already got replaced by then.
I sent two postal money orders to bank of America, but the money orders did not show up on my deposit statement. ( 2 ) I sent them a XXXX money order and they sent it back because they told me they are any good to their business. My car was repossessed but the week before they pick up my car I called bank of America to make sure my payments were up to date and I was told everything was fine. I had receipts for the deposits I had sent and showed them to the reposessor and to bank of America but they did not accept them and my car was towed away. I have been having trouble with this particular bank for the last 2 months. Its as if they are targeting my account with employees or the money order got lost in the mail. Three money orders at different dates and times should not have been lost but it is possible. If it was up to me and they are guilty of negligence, I would have bank of America pay the total cost of the car I was paying for and money for damages. I hope I have written in time to keep others from having the same problem.
My hazard insurance for this property expires XXXX XX/XX/2018 and of course, my premium has increased so I am in the market for another company to service this requirement. Sometime in XXXX I called Freedom Mortgage, the mortgager, and gave them this information : do not pay the current insurance bill since I am actively pursuing quotes from other companies. I do have a quote I intend to accept but I am awaiting results of a wind mitigation inspection I decided to purchase in hopes of reducing my premiums even more. I went online to my mortgage account today to let Freedom Mortgage know that a new policy was forthcoming. However, it seems this mortgage company has disregarded my request to withhold payment to current insurance company and paid them the increased insurance premium. Now I will have to pay the new insurance out of pocket which is what I wanted to avoid. I know I should get the paid amount refunded but that could take weeks and I am on a strict budget. Freedom Mortgage has been an absolutely horrible company since day 1 when my original mortgage was sold to this organization. WHY don't consumers have the right to select their own mortgage company? Because Freedom Mortgage would surely go out of business as I know many other veteran homeowners who are as frustrated with them as I am. While writing this I am on hold with Freedom Mortgage waiting for customer support. The recorded message claims they are handling calls from hurricane affected people but the hurricane is still active. I can see an insurance company being overloaded with calls but a mortgage company? This early in a hurricane? Come on! You are supposed to be a consumer protection agency yet NOTHING is done about Freedom Mortgage from what I can tell. They should in the very least be barred from providing, administering and servicing VA Home Loans!
As I am getting my credit report I see a car loan request and I have never applied for a car loan thru this company. I am more than certain my ex-spose has been applying for loans with my ss # without my consent. I have been divorced from him since 2006.