WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 XXXX XXXX acquired my mortgage from XXXX XXXX XXXX. Shortly after that, the 13 years of mortgage payments disappeared from my credit report affecting my score by about 100 points. I contacted XXXX about this issue around mid XXXX. The customer service person stated they had 60 days by law to not charge late fees, report to credit and they did their reporting on the XXXX of every month. XX/XX/XXXX comes and goes and still no reporting. I called them again to inquire in late XXXX, the customer service rep had no explanation, and said I should check back XX/XX/XXXX. Still no reporting to my report
In XX/XX/2018, There was fraud on my account from XXXX and a XXXX ; sClub in the amount of totaling XXXX XXXX dollars. I did not make nor purchase from XXXX XXXX nor XXXX. I receive a letter from Capital One stating that they have completed their investigation on XX/XX/2018. I have called Capital one and they have stated that they have not completed their investigation, so I decided to file a compliant, because the company has a XXXX liability, but is not wanting to use it. So I decided to file a compliant. I spoke with a rep on XX/XX/2018 and stated to me that available amount of the fraud charges will be on my account on the XXXX of XXXX. But when I looked at my account I saw that their was no available accredit, nor did I see any credit for the fraud charges.
I would like to file a formal complaint against XXXX/Navient Corp. I have a federal student loan that has been serviced by Navient Corp. since XX/XX/XXXX when I was attending XXXX XXXX XXXX, in XXXX, XXXX. In XX/XX/XXXX my loan went into default. At the time of the default, Navient Corp. sold my loan to XXXX XXXX XXXX XXXX ( XXXX ). XXXX attempted to collect the debt from me, through a " loan recovery '' plan, through a company called XXXX XXXX. I signed up with XXXX to get this loan back into good standing and completed the program on XX/XX/XXXX ( according to XXXX XXXX ). At this time my loan was sent back to XXXX, which intern sold it back, or gave it back, or transferred it back to Navient Corp as of XX/XX/XXXX ( according to XXXX ). When I signed up with XXXX, they recorded all of my information, phone number, SSN, birth date, and ADDRESS at the time. All of this information was sent back to XXXX, and than on to Navient. As of XX/XX/XXXX I have moved, 1 time, in XX/XX/XXXX. Before that time I resided at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX since XX/XX/XXXX. Not 1 time between XX/XX/XXXX to XX/XX/XXXX did I receive ANY information regarding my federal loan from Navient Corp. All the while I was under the impression my federal loan was in good standing, being that I have been making payment on my PRIVATE loan, which is also serviced by Navient . On Friday, XX/XX/XXXX, I received a notice in the mail from the Department of Treasury, stating that my Federal Tax return was being sent to XXXX due to a defaulted Federal Student Loan, which had been serviced by Navient. For just about 2 years, Navient had not tried to get into contact with me about my federal student loan, all the while having my correct address. Navient was using an incorrect address to send correspondence to me regarding my student loan, therefore the loan went into default, at no fault of my own. Navient has had all my correct information since XX/XX/XXXX, up until I moved in XX/XX/XXXX. Being that I have a private student loan through Navient, and had I been sent the information on my federal student loan, I would have been able to make payments on my federal student loan, and I would not be in this situation. Due to the lack of professionalism by Navient Corp. my loan went into default, and now {$7600.00}, which is my entire Federal tax return, has been sent to XXXX to help pay down the {$10000.00} I owe in Federal student loans. I want this money returned to me ( {$7600.00} ), and ALL my debts with Naivent Corporation settled to {$0.00}
I have received several letters and phone calls in the past, but they were never able to verify the debt belonged to me. I recently pulled up a copy of my credit report and it still remains on my report. If there is no verification and the information that they asked in the past does n't match, then this line item from my credit report needs to be removed promptly Phoenix Financial Services LLC
EXPERIAN IS REPORTING SOCIAL SECURITY NUMBERS THAT DO NOT BELONG TO ME AND I HAVE SUBMITTED SEVERAL TIMES MY SOCIAL SECURITY CARD AND PROOF OF IDENTITY AND THEY STILL HAVE NOT REMOVED THEM FROM MY CREDIT REPORT.
XXXX XXXX has violated terms of service in award of MR points for the XXXX Platinum card. Points awarded on the card were frozen without notice, XXXX reps are unable to elaborate why, or provide a timeline for unfreezing. Point value frozen on the account is over XXXX $
Complaint against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PHONE XXXX XXXX XXXX XXXX filed legal action against me ( XXXX XXXX ) in XX/XX/2017 regarding a XXXX XXXX XXXX credit card. 

XXXX XXXX XXXX sold this account to XXXX XXXX. I disputed this complaint in court and won the case, Judgement for Defendant ( see attached ). 

I sent the attached later to all 3 credit bureau. ( XXXX, XXXX, and XXXX ) who conducted an investigation. 

XXXX  received my documents that released me from this obligation and they DELETED it. 

XXXX XXXX is still reporting to XXXX and XXXX that I owe this obligation. 

I am requesting to have this derogatory XXXX XXXX account DELETED from all three ( 3 ) bureaus immediately. The court ruled : " Judgement for the Defendant '' I do not owe anything.
This has been an ongoing problem with  Provident fund ing. When I bought my house  in  XX/XX/XXXX  Provident covered  my first and second mortgage. They sold my first mortgage to another company and kept my second mortgage. Not known to me the second mortgage instead of being a 30 year fixed is a balloon payment after 15 years. That time is rapidly approaching and after numerous attempts to refinance the second as I will in no way be able to make the balloon payment in 45 mont hs they keep rejecting me. Provident claims  since they do n't have my first mortgage they ca n't refinance. They are the ones who sold my first mortgage. They keep saying basically there is nothing they an do and wo n't work with me. I got them to admit that I have to either default on payments or wait until I owe al most  XXXX  in  XX/XX/XXXX  and default th en and they will work with me. My payment is {$240.00} per month currently a nd  XXXX  in one lump sum  will be impossible. This last attempt was what they call a modification so I can be ahead of the balloon default. They just rejected me basically saying I am current on payments so I ca n't be helped and they do n't refinance second mortgages. Why is it that they can force me to default as my only option when a refinance would satisfy both parties. They sold my first mortgage creating this problem in the first place. I have been dealing with this for over a year now. Defaulting is a ridiculous proposal since it will hurt my credit badly. My  credit score is a  XXXX  and I  have been a customer of their s since  XX/XX/XXXX . thanks in advan ce for your help.
unknown account on my credit report from XXXX XXXX Account Number : XXXX Date Opened : X/X/2013
Paypal does not disclose that it charges fees on requested payments ( XXXX ). In this case, I requested {$500.00} from my mom through paypal assuming that the requested transfer would be free in the same way as if I requested payment through Venmo, another Paypal owned service. Instead, when my mom paid me the {$500.00}, I only received {$480.00} because Paypal charged a {$14.00} fee. That fee was never disclosed to me or my mother ahead of the transfer. Paypal claims that because the transaction was categorized as " Goods '' the fee can not be refunded but the way Paypal setup the request, there was never an option to change it to the " Send money to friends or family '' which normally results in a free transfer. Nowhere in the process was the fact that a fee would be charged disclosed.
This is a collection agency that calls the numbers of family members and friends XXXX though my phone number has been the same since XX/XX/XXXX XXXX threatening legal action for a payday loan that was included on a Chapter XXXX bankruptcy in the State of Nevada, and discharged on XX/XX/XXXX. The original creditor is XXXX, but their XXXX was different - can not recall. Once contact has been made on my part giving the bankruptcy information, the old debt is then sold to another company. I suspect that it 's the same company each time, but that they provide a different name. The calls start every XXXX to 4 months. Please assist in putting a stop to this. The debt was included and discharged in my Chapter XXXX bankruptcy. The creditor is aware and was notified back in XX/XX/XXXX. They are completely disregarding this fact. Also, I suspect it is the same company because they always ask for my name in reversed order. " XXXX XXXX '', instead of " XXXX XXXX ''. My attorney 's office provided me with the XXXX 's XXXX link to file this complaint. Their office suspects that these collection companies purchased information from my bankruptcy and are illegally trying to collect on their own behalf, using methods like calling people I am related to, to try and collect funds. 

The collector, " XXXX '' once again took my bankruptcy information today, but would not give me their mailing address or any contact information so that I can contact their client/original creditor. They said it was my problem to find out any additional information relating to this debt and hung up. 

The problem with these agencies is that if they find that they ca n't get money from you, even with protections set forth by bankruptcy, they will wait a short while, and then seek out relatives or past relatives XXXX in my case, ex in-laws ) to try and scare them ( and embarrass me XXXX into paying on my behalf or contacting me to pay. This is unacceptable.
On my TransUnion credit report, there are two hard inquiries from " XXXX via XXXX  XXXX ''. 

One of them happened on XX/XX/XXXX. I have confirmed with XXXX XXXX  that this inquiry is for the other person, who is wrongly recognized as me. I've explained this to XXXX and sent TransUnion my email with XXXX XXXX last year. But it seems that the hard inquiry has not been removed yet. 

Today, I just found that there's such a hard inquiry again. I really have no idea whom I should ask for help from to remove these two hard inquiries. I am always living in the same place from XX/XX/XXXX, so it is obviously impossible that I'm looking for somewhere new.
I disputed with Equifax Credit Bureau however I was never able to get the results. I called and spoke with someone and they told me that they did n't have a timeframe as to how long before I 'm able to view my credit file. The lady stated they can take as long as they want too. I 've attempted to get my free annual credit report online and my access was been blocked to that site as well. Please help. Due to the various data breaches that has occurred, I 'm concerned about my credit report.
Today I purchased  my credit score and report from  XXXX  via online and also included in the purchase was the same information from   XXXX    and Experian. There was a major discrepancy in the scores at which point I contacted   XXXX    customer service and was informed that the credit score I purchased was not the same program model use bye their customer service representatives when you call them directly! This lead me to realization that the score I am paying for is not the score  XXXX  reports to credit lenders when they   inquire about my credit history so why is it being sold to me and allowing me to believe this is what my credit worthiness is being judged bye! I also recently refinanced my mortgage in  XXXX  and I received a letter from my previous mortgage company that my  credit score th rough   XXXX   was some  XXXX  points lower than what was shown to me at that time which lead me to not be able to get a better rate moving forward in my refinance!
PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED OF THIS LATE BEING INACCURATE BUT FOR SOME REASON THE CREDIT REPORTING AGENCIES SUCH AS EXPERIAN AND XXXX DO NOT REMOVE THIS INACCURACY PLEASE HELP ME TO HAVE THIS CORRECTED THANK YOU
One Main Financial is a predatory lender. I took out a loan with them a couple years ago and fell behind on payments. Eventually they were able to rewrite the loan so I was no longer behind but they never told me that my principal and interest payments were changing. They are charging me over 90 % in interest. I pay XXXX per month and XXXX is going towards principle. There is no way this loan can be paid off within the terms that I signed the contract. They never disclosed to me the interest rate would jump up to 90 % if the loan fell behind due to me being unemployed. These are dishonest and deceptive practices and One Main needs to fix my loan so that I am able to pay this off in a reasonable amount of time. This is not right and they refuse to fix this issue. They lied to me and now are trying to go after me for not paying my loan but they are robbing me on interest. This loan should be paid off in the time frame agreed and the principle and interest needs to be fixed. They never told me or disclosed this interest rate.
Today XXXX XXXX7 I tried to get help to refinance my home through XXXX I tried with bank of America but do n't want to help me the always have an excuse missing paper 'or that I did a bankruptcy ' last excuse was that I have a lawyer and for tha reason they can help me my complaint it 's about fraudulent issues my bank of America never want to help me but because their loan modifications is supposed to be through harp program but it 's was n't they force me to sign through the court system I did n't agree but I had no choice today XXXX  told me they can help me to refinance my loan because my loan is full of fraudulent issues the person told me he does harp loan modifications alot of them nu never seen anything like this one and tha is the reason why the ca n't help me bank of america is used to do this type of fraudulent he told me they got sue for this same issue no long ago as I state here I do n't have a lawyer for this matter but im willing to get o e if the keep. Playing with my mental health
wrongfuly evicted undermultiple TN codes for " failing to maintain ''. summoned twice. records are showing XXXX cases, all are showing open-unpaid. 

The law says the landlord isnt due money. 
The accounts were PIF. The lawyer refuses to state the client was paid in person XXXXmos ago. 

The company and corporate offices refuse to answer summons by XXXX co ( XXXX ) counrthouse. 
The courthouse refuses to answer appeals and casde information and in fact plays XXXX.I have an active supoenae, unanswered by the courts. 

This has prevented me from gaining lawfully maintained units repeatedly, as has unlawful unrequested file freezes and blocks I previously didnt ask for. My mail was repeatedly stolen and not forwarded. I have filed fraud charges XXXX XXXX pd, XXXX pd, and IDT.gov. companies do not care and report the slander anyways. same goes for my other credit accounts. information provided from companies is not accurate. I was never late and I hired XXXX XXXX on retainer for XXXX, which nobody wants to abide by. 

companies were told to notify XXXX. XXXX was in charge at said time for XXXX months last year.If I have to, ill hire another firm and pay cash for the case to enforce compliance, but my credit will reflect accurately the true nature of my credit- not what people are claiming. 

multiple companies are refusing to comply w fcra law. This is a felony act. I have filed multiple demands for correction over the past 12 mos to no avail.I have hired XXXX XXXX  and other organizations.
The organization XXXX XXXX XXXX XXXX XXXX ( XXXX ) claims I owe them {$250.00}. I have never had any previous credit or debt with XXXX. I have contacted the company many times asking to identify and provide supporting documents. They have failed to provide any information to support the fact that this debt is valid. For non payment they have sent this to a collection agency Transworld Systems. As of XXXX XXXX, 2017 a letter states that I owed {$250.00}.
An individual by the name of  XXXX   XXXX  from a company called  ( Roquemore &amp; Roquemore ) in Texas, continues to harass me calling repeatedly not leaving any  detailed messages as to the purpose of the call. I tried calling back several times over the span of weeks, but she never seems to be available. I want this harassment to stop! ... Through research I found out that they are a skip tracing / collection agency.
I have contacted my mortgage company numerous times since my closing date in XXXX. My escrow has been over inflated since the day of closing. I have sent in documentation of tax estimates multiple times and continue to be told they 'lost ' them or can not find them at the time I call to follow up. I have been promised that a new analysis would be done and my overage returned on two separate occasions. Now, my yearly taxes have been paid and there is an over {$4000.00} overage in my account and the bank is refusing to complete an escrow analysis. I have been calling repeatedly about this issue and continue to be promised an escrow analysis will be completed, but one is never done -- or at least I have never received anything in writing. I called again today and they are refusing to honor the previous promises that the analysis would be completed as soon as the taxes are actually paid and insisting on delaying another month into XXXX.
On XX/XX/2017, XXXX XXXX XXXX contacted me via email and offered loan assistance as I was in the hurricane impacted area of Hurricane Irma. On the email was a link for a 30-day loan deferment. I clicked the link, requested assistance and they responded back stating the deferment was complete. I have documentation that supports the offer and acceptance. 

I continued to get calls from XXXX, when I returned their call on XX/XX/2017, the collection rep stated that I did not have a deferment and my account was showing 31 days past due and it was reported to the credit bureau. When I attempted to explain and provide the documentation I have to support the deferment, they stated sorry they could not help. They placed me on hold, never to return. After several calls, and a lot of runaround I finally contacted a lady by the name of XXXX XXXX in Customer Care who assisted me. She was professional, she listened, and ultimately resolved my issue. She asked for the documentation which I provided and made the necessary adjustments. It is employees like this that make up for the failures of others. 

While I understand most all financial institutions are providing assistance to those in need in the impacted area, the treatment I received from XXXX is unacceptable, misleading, and unfair business practices. I can only hope this may bring to light others that may be in a far worse situation than I, that are depending on XXXX for assistance.
They continue to call me on my cell phone and at work. Yesterday they called my work 20 times and keep harassing the receptionist and refuse to talk to HR when she tries to forward them there. The man 's name is XXXX and I told him to only call me on my cell phone as I can not receive calls at work and have already been talked to by my employer about the phone harassment they have been receiving. He yells at me with vulgar language and threatens that he will have the judge garnish my entire paycheck.
I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact XXXX, Experian, and XXXX. I have also called the companies in which the inquiries were made and they were unwilling to help.
I received an offer ( attached ) from XXXX Bank about opening a new checking account with them. The offer required me to open any checking account between XX/XX/XXXX and XX/XX/XXXX and complete 10 debit card purchases within 60 days of account opening to receive {$150.00}. I opened a simple checking account in a branch on XX/XX/XXXX and completed 10 debit purchases on XX/XX/XXXX. My account was a new account and neither I nor any member of my household had any account with XXXX bank when this account was opened. The terms of the offer stated that once the requirements have been fulfilled, the {$150.00} will be paid in 4 to 6 weeks. Around 8 weeks have passed since I made those 10 debit purchases, but the {$150.00} was never paid out and contacting the customer service led me nowhere.
Where is my credit report from these clumsy derelicts at equifax. I faxed them my information, copy of my last electric bill. Copy of my refund from my last landlord in XXXX, ca. I refused to give these clumsy derelicts my social security number on paper. These incompetent clowns send my wife a free report WITHOUT her actually asking. How ignorant is that?! # Where is my free report that should of been sent weeks ago. Especially since there sloppy website does NOT let me create a account. There generic XXXX website. Will not recognize me. NOBODY competent, marginally intelligent there fix simple blunders they self created. Futile calling all those sloppy unanswered phone numbers, getting jerked around it 's the wrong dept?! # Long wait times, incorrect options, evasive blunders with there sloppy robot generated numbers. WHERE IS MY CREDIT REPORT?! #
Bank of America ; what name the banker who witness me sign application to open up account? If you do not have witness, I am request you deleted this account.
I lost my job in XXXX I called Nationstar to tell them. They said to make payments when I could. I was unable to. I had a problem getting unemployment & assistance. In XXXX XXXX I got full time & called to tell them I had received full time & would be able to make payments regularly again. I later learned it was the day after I called, they foreclosed on me. But, unaware at first of my foreclosure status we discussed a loan modification. It took them from XXXX to finally sort out & finally accept my paperwork making me redo & resend documents several times. Made a payment in XXXX XXXX ( got sent back 3 weeks later ). XXXX XXXX XXXX payment, they kept that. When I went to pay XXXX I was unable to. I was told my modification packet had expired. Needed a new XXXX every 90 days. In XXXX I spoke to a law firm that said it was up to me weather or not to pay them. That I could wait til I 'm served & they would handle it from there. On XXXX I sent in a modification packet, I called on XXXX to check in the status I was told at that time my home was to be sold at auction on XXXX. I was told all through out this time there was nothing to worry about, no sale date, I was even told by XXXX representative to go ahead & put a new roof on my house ( I did not do that ). I called the courthouse I was told they tried serving me but they did an avoidance waiver on me. Apparently, I 'm not allowed to work. I was then informed the man I bought my house from 15 years ago & have n't spoken to since was served. When I asked why he was served no one could answer that question for me. I still do n't know why til this day. So, the court went ahead because according to them someone involved in the case had been served even though no one had. I was sent a letter dated the XXXX from Nationstar saying if they had received my packet 15 days prior to the sale date they could have helped me ... they received it 14 days. Since then I have not received an eviction notice, but the new owners have started renovations on the home with some of my property still in it. I lived in that home for 15 years & paid on time until I lost my job. I am lucky to have a place to go with my XXXX yr old daughter, many are not quite so fortunate.