WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a complaint back in XX/XX/XXXX and spoke to someone at XXXX XXXX. That's how it was listed on my credit report then. Now it is listed on my credit report as XXXX. It was investigated by y'all, XXXX , and XXXX  , and found that it was NOT my account and it was removed! Now it is back on there under XXXX. This is the SAME account that was listed under my credit report for the last 4 years under XXXX and three other collection agencies because it is not now nor has it EVER been my account. They even sent me an email and called and said that it was not my account. I want this taken off of my credit report. NOW!!!!!!!
My name is XXXX XXXX on XXXX/XXXX/XXXX, I received a notice from my mortgage company Ocwen Loan Servicing , LLC denying my request for a loan modification. Non-Approval Reason was. 1. They states they were unable to offer a Home Affordable Modification because : My loan on the related property has received the maximum number of modification permitted under the Home Affordable Modification Program ( HAMP ). You are only allowed XXXX HAMP modification on " your '' PRIMARY RESIDENCE. Please note, not all eligibility factor is evaluated. 2. We are unable to offer you a Mod 24 modification because : We are unable to verify that you live in the property as your primary residence.Please note, not all eligibility factor is evaluated. 3. We are unable to offer you a XXXX Capitalization and Extension modification because : This program is only for temporary or resolved hardships but we have determined that your financial hardship is not temporary one or has not been resolved.Please note, not all eligibility factor is evaluated 4. We are unable to offer you a propriety modification because : Your mortgage loan is secured by a property that does not serve as your primary residence and is less than 60 days delinquent.Please note, not all eligibility factor is evaluated. 
On XXXX/XXXX/XXXX, I filed an Appeal For Denial of Loan. Informing OCWEN that I have not had a HAMP loan ( I started the process XX/XX/XXXX and was laid off XXXX/XXXX/XXXX ) which made me ineligible for the HAMP. I provided OCWEN with my drivers license, utility bill along with my property taxes to prove it was my primary ( only ) resident. I also made the aware that I was receiving assistance from the Florida Hardest Hit Program because of me being laid off. 
I had not heard from OCWEN by XXXX/XXXX/XXXX. I placed a call and was told to Appeal For Denial to the research department. On XXXX/XXXX/XXXX, I received the same letter stating that I had been denied ( note letter had the date of the first denial with the top page with XXXX/XXXX/XXXX on it ). 
I have been told that if my loan is a XXXX or XXXX XXXX, that the loan holder is to assist with helping the consumer retain their homes.
On XX/XX/XXXX, I called Navient to discuss by payoff and to negotiate pay off amount due to my high interest of 16 % on one of my loans with Navient and 10 % on another loan with Navient. I was transferred 4 times and I was finally told they would only allow a discount of {$200.00} of my total due because I was not in default and that was all they could help me with. Unfortunately, due to my financial circumstances, I can no longer pay my monthly payment of {$420.00} and with this outrageous interest I can not just stop paying. On previous phone calls I had with them, I tried to ask for a lower repayment plan but according to them with my annual gross of less than {$25000.00}, {$420.00} was the least they could lower my monthly payment. I have tried other avenues, such as refinancing with another student loan company with a lower interest rate, however due to my financial situation no one is willing to refinance my loans. I tried calling Navient again the same day and when i wouldnt take " NO '' for an answer I was finally transferred to a person that was willing to take down my financial information to submit for review to his supervisor. They informed me that I would receive a response within 1 week. I have called every week in XXXX for an update and they said my information was still under review. I called again today, XX/XX/XXXX and I was told the supervisor that was going to review my information was on vacation and it was unknown when she would be returning. I feel like I am being given the run around. I am in distress financially and I have been up to date with my payments and when I ask for help, I should expect help when I have been a good paying customer. 
{$200.00} does not help me payoff my loans. I have done everything in my power to pay off my loans and work with Navient to do so, but they have not shown me their urgency to help me while my interest just keeps adding up while they are on vacation. I think they should at least transfer my information to another supervisor to review and give me an answer quickly not making me wait for a month for an answer and having me try to figure out how to make my next payment. Navient is not urgent in taking care of these matter quickly. Instead they give people the run around hoping they will just give up or pay up.
Debt is orig from apartment complex XXXX XXXX in XXXX, XXXX ( under XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX ). I never received a bill from townhome upon vacating, even though I left forwarding address. I did not know about bill until 3 years later until my mother started to get calls from PDM, so was unable to dispute charges to original debtor. 
Charged : {$120.00} for cleaning {$150.00} for trash out food/refrig baby bed {$11.00} for autochrg {$130.00} for " Bal of 15 Day Notice '' Per lease, premises were left in original condition than move-in. Upon move-in, office staff informed me that they had not had a chance to clean yet, and gave me a can of oven cleaner. Bathrooms had not been cleaned, floors had not been mopped. Upon move out, I cleaned all rooms, vacuumed, mopped all areas. There may have been some dirt from moved furniture, but absolutely not {$270.00} worth of cleaning. I did leave a crib in one bedroom, but had told mgmt that I would in case another tenant wanted it, as it was still in good condition and many people in the community were low-income. She said, " That 's so generous of you '' ; did not mention that I would be charged for someone to remove it from the room and give away/ throw away, if that 's what they did with it. 
PDM did not remit hourly wage and hours spent cleaning to justify such a large bill. 
" 15 day notice '' charge is not in lease ; I was on a month-to-month lease when I moved out, so did not owe add'l funds, as can be seen on " $ XXXX month-to-month '' charge on bill. 

When I told PDM that I wanted to dispute the charges, they immediately said that I should have done a walk-through with mgmt. Mgmt did not request a walk-through, I was never told about this requirement. Not sure if this nullifies my rights, but I do at least think that I should be given itemized bill of how they spent {$270.00} to clean the apartment.
Per the FCRA Section 609, all furnishers must validate debt. Per the FDCPA, all collections must verify debt and provide an initial written communication with information about the debt. I have never received an initial communication in writing that is required by federal law. Because of their lack of following proper procedures, I was unaware of the debt they claim I owe and was never given the opportunity to exercise my right to dispute the debt within 30 of the initial notice. ARC Management Group began reporting this debt without my knowledge and without verifying the debt. I do not believe that the debt belongs to me. I would like for them to properly verify the debt by providing the original consumer contract with my signature on it. Without that, there is a strong possibility that ARC Management Group has mistaken my identity for someone elses. And by their lack of following the federal law to send notification about the debt, I assume that ARC Management Group knows that they can not verify the debt and are illegally furnishing information to my credit files. I would like to exercise my rights and demand to have the debt validated and verified or immediately deleted from all credit reporting agencies.
The company charges an overdraft fee then waits for you direct deposit to post before it pays the merchant. i borrowed money from a lender and once payed back you can borrow XXXX days later. The company " payed '' the lender my account went negative as a result they charged me the insufficient fund fee but XXXX days later i was n't able to borrow again. i had to wait XXXX days after my payroll deposited. They essentially claimed they paid, charged a fee but waited until my direct deposit posted until they payed the merchant,
It would be nice if someone at JP Morgan Chase would take our situation seriously for a change. I will not stop reporting this until someone does because obviously it has never been looked into nor has the telephone recording been listened to when I was told by a JP Morgan Chase representative that she could not take my payment over the phone as I was told to do because the account was under review for a loan modification. I explained everything to her and even made several temporary payments prior to that month. 

Previously sent complaint and full story : I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. 
JP Morgan Chase is the sorriest excuse for a mortgage company. I am writing about the mortgage in the name of my father, XXXX XXXX XXXX, XXXX and I have full authorization to discuss the account. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone 's desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless.
XXXX XXXX XXXX is charging {$330.00} and it reflects as derogatory in my credit history in 2014. I did n't ever sign or even negotiate a contact with XXXX. I was studying abroad at the time.
I signed up for a Discover credit card last year, and shortly after received an offer in the mail for a {$300.00} checking promotion ( please note that this came to me at my address and no one else has lived here in over seven years ). I filled out the application XX/XX/XXXX, was granted the account, and fulfilled all other terms required to meet the promotion. I realized that I never received the promotional money while filling out taxes this year and contacted Discover, only to hear that I was n't eligible for the promotion because I was n't 'targeted. ' No one can explain why I got a letter when I was n't one of these targeted people, not to mention that getting a credit card is a pretty obvious trigger for targeting for other business. At this point I ca n't produce the original letter since I clean my house more than once every four months and ( clearly stupidly ) assumed that a company which claims to be ranked very high in customer satisfaction would actually meet their commitments so I did n't scan everything, but at the very least the information needs to be out that that Discover is sending promotions to potential customers and then declaring them ineligible even after the customers fulfill their side of the deal.
HELP! URGENT - I sent in all the paperwork on XXXX XXXX, 2015 to do a {$900000.00} loan modification. I was called last week and told that I was denied because my loan was over {$720000.00} by XXXX XXXX. I said this is crazy because XXXX XXXX sent me paperwork to get a loan modification back in XXXX, 2015 and she knew my loan was over {$900000.00}! I received a letter yesterday from XXXX XXXX stating that I did not provide a " Real Estate profit and Loss Statement ''. This was the reason for the denial. I never received any documentation that I needed to provide a real estate profit and loss nor do I have a real estate company. How can this be??? 
XXXX XXXX also said they responded to my inquiries on XXXX XXXX and XXXX XXXX. 
There was nothing about a real estate company in either of these letters. They were for the benefit of you. XXXX XXXX also said that the foreclosure sale " is less than 37 days out '' - IT IS XXXX XXXX - a week away!!!! 
There is a web-site called XXXX that lists everything I have been going through. Someone took a lot of time to create this web-site and if you review it, I think you will see how so many of us are being lied to! They never even looked at my information, they just want to get us out of our home by waiting until the last minute ( right before a sheriff sale ) to deny us on the loan and basing the denial on XXXX different items which are totally incorrect:1. loan over {$720000.00} ( then why did I fill out all the documentation???? ) 2. no real estate profit and loss sent ( I was never asked for this and I DONT OWN A REAL ESTATE COMPANY SO COULD NOT HAVE PROVIDED IT ) Please help. Wells, Fargo Home mortgage needs to be investigated totally. I have written to the CEO also. 

CC : XXXX, XXXX LAW FIRM
Our old mortgage was sold to XXXX XXXX. My husband had lost his job after 11 years and I became XXXX and had to retire early from my job. We were convinced that we should do a short sale and our realtor spent tons of time speaking with XXXX XXXX at XXXX to settle our account. We finally did sell and two years later we find out they reported that our short sale is a foreclosure. This has devastated our credit and they said they will report is as foreclosure proceedings started ending in short sale, but when our credit is pulled all anyone see 's is " foreclosure ''. Please make them report this accurately, I believe it is on Experian.
I opened an account with Capital One eariler in 2016, and it only had XXXX dollers on it. So, Far I have paid them over XXXX dollers and have a balance still of XXXX. They said it was because of the fines and fees, but I have made all of my payments on time, except for one ; which I paid immediately and asked for the lady to change my account settings, so that no purchases could be made on my account, she did not representate me correctly, and left my account open allowing repeat transcations to be purchased ; after I asked for her to close my account, so that I can only make payments toward the debt.
I have been getting phone calls from this number several times a day now for over 2 months. When I Googled this number, it comes up as a scam number -- high risk. Then last week, a ma n left a message twice on my recorder that he is attempting to collect a debt on behalf of Apelles LLC, but  the phone number he left to call back was  XXXX , not as shown on my call logs. I have no idea wh o this Apelles LLC is . I have never received any letter from a creditor informing me that this company has been retained to collect a debt on their behalf. I have filed a complaint with the BBB in  XXXX , OH where this company is headquartered and asked that they cease and desist in calling me and leaving messages on my recorder ( done last week ). I have not received anything back from BBB with a response from this Apelles. I do not have a private voice messaging center as caretakers have access to my recorder as I am in and out of the hospital much due to   XXXX   XXXX   XXXX  . The FDCPA prohibits debt collects from leaving voicemail messages when the voicemail is not completely private with others having access to voicemail messages. My caretakers took these  XXXX  voicemail messages left by this ma n ( no name left ) and are  now aware that I am having financial difficulties. Another call came in again this mornin g (   XXXX / XXXX / 17   ) which tells me that this company has not responded to the BBB ( if it is even this company making these calls ). I  am a very ill person with   XXXX   XXXX    XXXX  and can not tolerate such calls coming into my home numerous times a day. Again, I have not received any letter from creditors info rming me that Apelles has been retained to collect a debt. Any outstanding debt that I have has been addressed directly with my creditors and none of them have retained Apelles to collect my debt. It is enough that I have to deal with the massive amount of robo calls that are coming in every day from all over the country, let alone someone I do n't even know leaving messages on my voicemail about co llecting a debt. I have saved the messages that were left on my voicemail by this man ( again, unidentified ), and if this continues I will file for the {$1000.00} fine for each call that continues to come into my home.
I opened sears credit card on XX/XX/XXXX and was given a credit limit of XXXX.On XX/XX/XXXX, sears reduced my limit from XXXX to XXXX without any warning and no good reason.My credit score was under 600 when I applied and I do have a bankruptcy on my credit file currently and when I applied for credit.Because of this reduction in credit, It has hurt my credit score and credit overall.When I received the letter from sears it states under PLEASE NOTE '' the reporting agency played no part in our decision and is unable to supply the specific reasons why we have reduced your credit limit '' .Prior to this letter and in XX/XX/XXXX, I disputed a sears auto charge regarding some work they did on my vehicle that wasn't needed.I was reimbursed by sears for the charge after a long dispute and letters with sears credit.This has hurt my credit score and my credit overall.
I am getting robo calls at my business attempting to collect on XXXX telephone services which were changed from business to personal in 2014. The robo calls have a recorded message. It is coming from Southwest Credit Systems and they specifically ask for me. This is a business and I previously have advised them they are not to call the business number and not to robo call either as I do not appreciate being asked to hold for a real person. And incidentally, I still have uverse personally and have complained to the credit bureau without results. I also continue to get calls from XXXX XXXX XXXX asking me to switch the telephone over to XXXX. So apparently they are not trying to collect these charges.
I have an old credit card which was purchased by a third party collection agency. That agency is now reporting on my credit report as collections but also as being late with payments. My on-time payment percentage dropped based on their reporting. How can an account be sold off but also be 30 days late?
A bank I held a checking account with was purchased by First National Bank. My checking account and funds were moved to a new bank without my permission. When I attempted to close this account multiple times over the phone I was told I could not due to various issues. First I was told the account was in transition and would have to call back in a few days. Then was told I could n't close it over the phone and had to go to a bank branch. During this time of me actively trying to close the account a recurring payment I had set up with my actual bank hit the purchased account and I was charged {$200.00} in overdraft fees. When I attempted to have these waived due to circumstances above I was told I had authorized the payments ( which I had not ) and failure to pay immediately would cost an additional {$12.00} a day. This was the most unbelievable experience I 've had as I was being hijacked and extorted.
I used care credit which was purchased by SYNCB. I used the card with a XXXX  .I was told that the clinic was a member of my health network .I agreed to pay for a XXXX with a charge of about 1200.Before the XXXX arrived I found out that the XXXX office was not in my network and the price was almost twice as much.I contacted them to cancel. I explain that the price was too much and that I would use my benefits within Network. I went to an In network XXXX and paid 700 to 800. I contacted them by phone and in person before the XXXX arrived. I tried to convince them to return the XXXX which could be broken down.I do n't want to pay for a service/product that I did not receive. Had they been honest in the beginning and told me that they were not in my network..I would never have agreed to purchase the XXXX.
SYNCB made a minimal effort to contact the XXXX clinic. Basically I was told to work something out with the XXXX clinic..
SYNCB also on a monthly basis makes an average of 5 /4 inquiries a month every month on my credit report which seems to be excessive.
I deposited a friends pay check for {$860.00} the bank accepted the check, cashed and made funds available then froze the funds had them frozen for 2months with me calling and leaving messages and then want to reverse the check and close the account almost 3 months later
I filled for bankruptcy in 2012 the company/payday loan company CHECK MATE was notified as of such and a year ago they contacted me about the debt and I told them once again I filed bankruptcy on this loan and they stated sorry wont bother you and then today they had a man XXXX, XXXX XXXX contact and threaten me yet again about a judgement going against me for this payday loan. He clearly stated that it was for CHECKMATE payday loans and I clearly told him I filed bankruptcy 4yrs ago on this loan.
Toyota Financial charged {$780.00} for bodily damage and lost key when we returned our XXXX  XXXX at the end of a 2-year lease. We received a detailed invoice one time only. We lost that bill, received missed calls from Toyota but I was able to eventually asked Toyota Financial to send me another invoice. I disputed the lost key item ( this was mailed back to the XXXX dealership within 1 week after returning the car ). We never received any updated invoices. Instead, we received a notice from XXXX XXXX XXXX XXXX. We are being threatened with credit reporting while the original problem with the bill ( the {$370.00} lost key charge ) has not been resolved. In order to avoid a negative effect on my personal credit, I paid the {$780.00} in full even though it should be {$410.00}.