WillisBack/dataset-financial-user-claim huggingface dataset:
I enrolled in a XXXX  program in fall 2018 ( XX/XX/18 ) and received an email on XX/XX/18 telling me that as I was enrolled, I now had a deferment on my account. The email includes a link to " remove this deferment, '' which, when you click on it, takes you to an FAQ on deferment ; however, under " can I cancel my deferment or forbearance, '' it says you CAN cancel the deferment, but doesn't tell you HOW to do it. There is no place on the website to do this, so after contacting them by phone, they tell me I have to complete a School Deferment Waiver Form, which they must send to me to my XXXX inbox. The form is not available on the website. Another difficulty is that the only way, according to the form, to get this sent back to XXXX is to either fax or mail it. Nothing indicates that it can be sent via the website, nor was I told this by several customer service reps over the next few months. I finally had the time to download, print, sign, scan, and fax it. But when I got yet another email about a deferment on my account on XX/XX/18, I called XXXX and asked why I had another deferment as I had sent in the form in XXXX. They said they only got the cover sheet, but not the form, which I completely don't understand ( why would they get one and not the other? ). Additionally, after 3 months of calls, I was FINALLY told that I could upload this on the site. XXXX DOES have a file upload section, but this form is not one of the options given. I was told to upload to the " Other '' section of the site, but again, how would I ever know this as a ) I was NEVER told this was an option for this form and b ) the form itself does not list this as an option? 

My question it, for people who do NOT have access to a printer, how in the world are they supposed to get this form to XXXX? It is completely ridiculous that while I can do every thing else on the website, I can't just fill out this form online, NOR is there anywhere on the form that indicates that I can just upload to the website, as again, it only mentions I can fax or mail it. It is very clear to me that XXXX wants to make this process as difficult as possible, as they would rather the additional interest on these loans gets capitalized in order to make them more money.
On XX/XX/2015 I sent a moneygram of the amount of {$200.00} to an indivdual to XXXX XXXX XXXX XXXX.It was not received when the recipient informed me it was declined by Moneygram.After numerous calls to Moneygram to refund me the $ XXXX.they refused and told me they have to interrogate the recipient! I Also requested a refund on there web site after filling out the form i received a blank page and they. never notified my e-mail.
I graduated from XXXX XXXX in XXXX, and my loans entered into repayment in XXXX. The loans at issue are through Discover Student Loans. I initially set my loans on a ten-year repayment plan and my monthly payments were approximately {$650.00} / month. In XX/XX/XXXX, i was switching jobs and wanted to set my loans to a 20 year term ( i.e. so they would be paid off in XXXX ). Discover adjusted my payments, and my payments went down to {$220.00} / month. I made the same {$220.00} payments for five years until in XX/XX/XXXX, when Discover unilaterally increased my payment amount to {$2600.00} and withdrew that amount from my account via direct deposit. They did not notify me in advance of this increase. When i contacted Discover, they said that the only documentation they had was that my loans were on a 10 year term, and therefore they increased my monthly payments to {$2600.00}. However, Discover is ignoring that my statements and payments for the past 5 years reflected a 20 year repayment schedule. I believe that Discover did this because my loans are at a very low interest rate ( 2.25 % ) and they want to accelerate my payments so that they can loan out the money at a higher rate.
have already started investigation into this company, wish to add more information to assist you in helping me. 

XXXX about MARLETTE FUNDING , LLC - also XXXX XXXX XXXX ) XXXX-XXXX XXXX XXXX 4 years in business Headquarters XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX See More Contact Options BBB File Opened : XX/XX/XXXX Business Started : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in DE Type of Entity XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Chief Operating Officer XXXX XXXX XXXX, CEO XXXX XXXX XXXX, Director of Operations XXXX XXXX XXXX, Chief Marketing Officer Business Category Consumer Finance Companies See More Business Categories Service Area We service the following area ( s ) : Delaware Alternate Business Names Marlette Funding , LLC See More Business Information BBB Reason for Ratings BBB rating is based on 13 factors : Get the details about the factors considered. 

BBB Reports On Licensing Advertising Review Government Actions Out of Business Misuse of Better Business Bureau Name/Logo Bankruptcy Mail Returned BBB accredited business XXXX XXXX  BBB ACCREDITATION SINCE XX/XX/XXXX A+ BBB Rating System Overview Customer Review Rating : 87 % 11 % [ 946 ] Positive Reviews [ 23 ] Neutral Reviews [ 118 ] Negative Reviews [ 1,087 ]  Total Customer Reviews [ 149 ] Total Customer Complaints Composite Score : XXXX XXXX has received 4.84 out of 5 stars based on 1,087 Customer Reviews and a BBB Rating of A+. 
Share your experience XXXX XXXXXXXX XXXX  XXXX
Lender XXXX XXXX Branch Manager and Business development NMLS # XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, NY, XXXX Office : XXXX Toll Free : XXXX ext XXXX Cell : XXXX Fax : XXXX Personally licensed in : AL, CA, CT, FL, GA, IL, IN, LA, MD, MA, MI, NH, NJ, NY, NC, OH, PA, SC, TX, VA promised me loan was approved gave me numbers and told me not to worry dont pay the next two house payments my appraisal came in then he changes his numbers added extra fees and basically treated me like a pile of XXXX honest to XXXX i have never felt be little before. I went to another lender. He continued to harrass me calling me ongoing day and night bribing me with changing the numbers basically threatening me if didnt go with his lending company ask him nicely to sign off on my appraisal that i paid nearly XXXX for. He has been doing nothing but stalling. I am so fustrated at his professionalism, which has been none. I was underder the impression u canchoose and have he choice of a leder which you choose I have asked him nicely repeatedly for the documents my new lender requesting tell me he does not wan na waste his time if not going with him. I have several voice message i saved several emails too many too send would have to make a file and send everything ut has been a horrible esperience with this guy. No one shoudl be treated like this Then proceeds to tell me how he is paid and doesnt make money off me XXXX this is rediculous i told him several time i am not doing my loan with him all i want is for him to sign off on my apprasal so i can use iit. he has not only made me late on my mortgage payments he has put me in a finacial hole along with lying and bribing and to tell you the truth i am sick and tired of it please help
The disputed charge was posted to Chase Visa on XX/XX/2018. The actual date of the transaction was XX/XX/2018. The dispute was for {$260.00} to XXXX XXXX and XXXX in XXXX XXXX, CA. 
I did not get the tour I paid for but upon my call to Chase Visa the representative asked if I got into the limo and I did so she concluded that the charge remains. Two days later received a letter saying case resolved and the charge remains, before I got a chance to write a letter or send information. 
My dispute is with the XXXX Rapid Rewards Chase Visa Card. I was never asked to submit a letter I wrote to the company, nor was I allowed to submit letters from my clients about how their clothes were ruined and made sick in the limo. 
Chase representatives just blew me off! They did not even speak to the limo company prior to telling me too bad!
Due Diligence from Equifax was not performed on my credit report related to XXXX XXXX XXXX accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX. I asked it to be removed from my credit reports based on the Independent Foreclosure review performed by the Office of the Comptroller. Per this review, the Office of the Comptroller concluded that XXXX XXXX XXXX practiced " deficient mortgage servicing and foreclosure processes. '' As due diligence does not appear to have been performed by any of the CRAs on this matter, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information based on " deficient mortgage servicing and foreclosure processes. '' caused me to be denied employment.
My home mortgage was transferred from XXXX XXXX Mortgage Loan no. XXXX to Astoria Federal Savings XX/XX/XXXX. The release of lien document from XXXX XXXX Mortgage XXXX XXXX XXXX was never sent and recorded at the XXXX XXXX recorder 's office where the property is located. Therefore 16 years later XXXX 's name still appears on the title to my home. 
XXXX filed for bankruptcy XX/XX/XXXX and was acquired by XXXX XXXX which was then bought over by XXXX. Astoria Bank has attempted to trace this missing assignment ( release of lien or mortgage satisfaction document ), but have be unable to do so. 
I have spoken to my land records department here in XXXX XXXX NY where my home is located. They have suggested that Astoria bank file an Affidavit of Lost Assignment with the XXXX recorder 's office since they were unable to locate the missing assignment. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Ph XXXX XXXX XXXX. So far, Astoria bank has refused to file the affidavit citing they are not authorized to do so. They have collected my mortgage payments for the last 16 years without every informing me that there was an issue with recording the mortgage.
on XXXX/XXXX/2015 we ordered a payoff statement from Stearns Lending. On XXXX, having still not received a response to our request, we contacted Stearns and were told to email the request and we would have the payoff XXXX. When we did not have it by XXXX, we called back and were told we would have it by XXXX. When we still had not received it by Monday XXXX, we called back and spoke with a supervisor who asked that we conference our client in for verbal authorization. Upon doing so, we were told once again that we would have the payoff in an hour. Tuesday XXXX, still no payoff received. Called Stearns again at XXXX. They asked that we conference the client in for a verbal authorization. When I pointed out that I was simply following up on the call from the previous day when verbal authorization was provided, we were told that the request was being expedited. At XXXX we called again and were told that our authorization was expired and no payoff would be sent. We were connected with the same supervisor from the previous day, however, in this conversation he stated that a verbal authorization would not be accepted.
I had an outstanding balance on my XXXX account. The debt was placed for collections with XXXX XXXX XXXX , XXXX. I agreed to a debt setllement with XXXX for XXXX of the outstanding balance. The last settlement payment was made on XX/XX/XXXX. XXXX shows my account as settled with a XXXX balance. I received a letter from them that the account was now closed and they would inform their client that the settlement was paid. XX/XX/XXXX, I received a collection notice from Allied Interstate LLC for an amount of XXXX for the same XXXX account. I have contacted them on several occasions and also mailed copies of my completed settlement letter from XXXX and they still call my work and home phone several times a day trying to collect on this debt.
Wells Fargo refuses to increase my daily ATM withdrawal from {$310.00} to {$1000.00}. I am in XXXX for work and unable to pay bills in a timely fashion with cash. There is plenty of money available but they want their fees. Disgusting company.
In 2013 I had applied for Mortgage refinancing loan with Wells Fargo. The loan was not approved because of the low appraisal value of the property and so it never closed. 
However, XXXX years later I learned that Wells Fargo had placed a lien on my property even though I do n't have any loans with them I do n't owe them any money. 
I had sent my request and explanation to Wells Fargo ( by fax on XXXX ) asking them to remove the lien from my property and to send me the release letter stating that I do not owe them any money ( which I need to be approved for a home equity loan ) but so far I was unable to get the lien removed.
I filed a complaint XX/XX/XXXX after pulling my credit report and notice there were Hard Inquires that I had no business with. I called and even mailed letters to Experian telling them they are not mine and had no business with those companies. I want them removed from my credit report. 

I would like for all those Inquires to be removed at once. 
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ) XXXX XXXX
My servicer SETERUS approve me in XXXX XXXX, 2015 for a XXXX months trial payments reducing my mortgage payments to {$1300.00} it was supposed that my trial end on XXXX XXXX, 2015, and since then my mortgage will be permanent modified. Today XXXX XXXX, I still continue doing trial payments and anytime that I or my housing counselor contact SETERUS we received same answer that there is not news about final loan mod. 
Please help me.
We are having trouble with BOA for the pass 6 years since thedeath of our father. We inherit this property from our dad. The property was delinquent. I am one of the co administration of the will, when ever I call BOA I have a hard time to get in touch, they keep on saying that i am not on the account and they can not speak to me. For example today me and a counselor from XXXX XXXX it took them 30 mins before they we got verification that they have the information. We call back in about an hour and the process repeats it self. The reason why I am reaching out to BOA is the fact that we are going through foreclosure and we are trying to see if we can applied for a loan modification. They refuse to work with us.
I sent Regions Mortgage a notice for Full Disclosure concerning our loan agreement, after discovering that there was material concealed and omitted from the agreement that I and my wife never agreed to, nor gave permission for Regions Mortgage to conduct. I requested for Full Disclosure for all Bookkeeping Journal Entries associated with our loan, which I have a right to by law, and Regions Mortgage replied to me by saying ; they decline to respond to my request, saying that it is irrelevant to our mortgage loan account. In all actuality, nothing could be more relevant to our mortgage loan account, because Regions Mortgage knows that Full Disclosure of the Bank Bookkeeping Entries, prove that they are in Breach of Agreement, and once again, I have a right to this information, by Law of Evidence! I requested for Regions Mortgage to give me Full Disclosure of the Deposit Slip for the Deposit of our Promissory Note associated with our loan, and they replied by saying ; my request is both unduly burdensome and irrelevant, and therefore Regions Mortgage declined to show me our Deposit Slip of our Promissory Note, which we have a right to by law! Regions Mortgage is in violation of the GAAP, which states that the bank owes the depositor ( US ) money for depositing our note, that Regions Mortgage never told us about, nor did we give them permission to conduct such a transaction in our name! Also, per the banking law, if the bank deposits the note, they must give you a deposit receipt, as mentioned in 12 U S C A Sec 1813. We know that Regions is in Breach of Agreement and has broken the law, and all we are asking for, is the Full Title to our home, showing paid for in full and fully discharged, and we will not demand for Full Disclosure to the Bank Bookkeeping Entries and for the Deposit Slip of our Promissory Note. Regions did not deny the deposit of our Promissory Note, because the Federal Reserve Publication already reveals that the banks do not give loans ; but they are to take the borrows Promissory Note in exchange for credits to the borrowers transaction accounts, which is an exchange, not a loan.
My mortgage servicer, Freedom Mortgage, sent me someone else 's full packet of mortgage info, including a great deal of protected information such as social security numbers.
Perthe requirements set forth by the FTC in the Civil Action XXXX. XXXX, MoneyGram and it 's agents are required and obligatedtoprotect the consumerfrom fraud and scams through conspicuous and prominent consumer warnings at locations offering MoneyGram products ( I will attach an excerpt from the finding ). 
I recently used a MoneyGramprovider, XXXX XXXX, to wire moneyand they ( XXXX XXXX ) didnot use any fraud warnings whatsoever ; no posters, no forms nor any receipts with warnings. Per a response I received from MoneyGram, the branch I used is supposed to warn the consumer and supposedly has fraud warnings on their verification receipts prior to sending ( confirmed by a letter from MG that I will attach ). I did not receive any sort of verification receipt with any sort of warning or fraud related info or questions ( I will attach my receipt I do have for reference ). Per discussion with the Division Director of XXXX XXXX they have fraud warning posters in their branches, however I have photographs of the branch I used and there are no warnings whatsoever. As a result of my ignorance and not being informed of the dangers of money transfers I was scammed out of {$2800.00}. Had I been informed of the dangers of sending money to a stranger I feel that I would not have done something that now seems so obviously stupid. I hold XXXX XXXX responsible as they were clearly negligent in their required duties to protect the customer. 
One last note ... a week later on XX/XX/XXXX XXXX XXXX from XXXX XXXX called me and asked if I could come in to fill out a form and answer some questions. He would not elaborate or tell me what the questions were or what the form was, just that the large amount I sent triggered a process that he forgot to follow. It is quite possible that this is the " fraud related questions '' that MoneyGram is referring to in their letter to me.
I filed bankruptcy because I have XXXX and could not work anymore to afford the payments. I surrendered the vehicle and I was told that it would come off my credit. They told me that it would be removed and it has not.
On  XXXX   XXXX ,  XXXX  ; I ordered  XXXX  pairs of  XXXX  boots online total {$470.00}. After I placed the order I felt uncomfortable and call ed Citi Ba nk to stop the purchase. At that time, I was told I could not and I had to wait. Since I had no other options, I decided to see if the boots would show up. I wait ed 8 we eks for the merchandise and did not receive. So early  XXXX   XXXX   XXXX  ) I cont acted Citi Bank and mailed a dispute to them. I did not retain a copy for my records, big mistake on my part! Time went by and I thought everything was taken care. Citi Bank sent me letter saying they never got a response from me. I contacted them and stated I had mailed all information to  them in  XXXX . At that time, they said they would give me another chance ; so I completed another dispute form detailing everyt hing thing I did. This included multiple attempts trying to contact the company, with no response. I was then told but Citi Bank I had to wait 45 days. In the process of going back and forth with Citi Bank I received numerous different answers of what was being done and what to do. Never the same direction. I was even told, it is fraud when merchandise is not received and we can work around the date. Now Citi Bank has closed the case and charged back the amount of {$470.00} due the the date of the original charge and was told there was nothing further I could do. I am beyond frustrate and disappointed in Citi Bank 's customer  service.
Experian is stating they will not remove the Bankruptcy off my credit report and they won't do another investigation because it has already been verified. The problem I have with this is that they have not provided me with the person who verified this and the source they have received the verification from and it is unlawful of them to refuse another investigation when I am disputing an item. I have contacted the courts and they have informed me that they don't give any BK or Tax Lien information to the credit reporting agencies. Which means that Experian has added this BK to my report unlawfully. If they don't remove this BK with out showing something with my signature on it I will have no other option but to file a lawsuit against them in the sum of {$10000.00} for damages to my credit history. Also by Law they have to show proof of my signature somewhere that I did this Bankruptcy and they can't provide that.
I applied the AMEX Platinum Card when they have XXXX reward offer this XX/XX/XXXX and get approved. 
I met the spending requirement within 3 month, and then AMEX gave me the XXXX rewards at XX/XX/XXXX. 

However, they took my XXXX reward back few days ago without any info. 
I called AMEX customer service they said there is a unusually point activity flag on my account. 
But this does n't make any sense because I did n't use any point since I earn it. 
And then, the representative said he will help me to open a case to investigate that. 
However, I contact AMEX representative again today, and he told me he ca n't find out any update or further state on my case. 

It makes me feel worry about AMEX might not investigate this mistake fair and get my reward back.
This states a loan was opened in my name on XX/XX/2014. I have no knowledge of this loan or company. 

Company Name Flurish INC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I obtained a credit report for my first time in many years and am reviewing it. It says I owe {$520.00} dollars which is wrong. I need to get this resolved with your help.
XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. 
Balance {$20000.00} Credit limit $ XXXX  Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last paymentXX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks
All Principle and Interest payments are {$940.00}. They reported the following $ ND XXXX XXXX {$1500.00} XXXX XXXX {$990.00} XXXX XXXX {$1100.00} XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX {$1500.00} XXXX XXXX {$5300.00} XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX {$2800.00} XXXX XXXX {$1200.00} XXXX XXXX Not reported XXXX XXXX {$1200.00} XXXX XXXX Check Cleared XX/XX/XXXX for XXXX, reported late XXXX XXXX, XXXX for XXXX, reported late XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reportedXX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX, for XXXX reported late XX/XX/XXXX for XXXX reported late XXXX XXXX, XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX, reported late XX/XX/XXXX for XXXX not reported It is obvious the record is totally incorrect. I have submitted paper copies of checks with amortization schedules and uploaded an XXXX spread sheet. They deny even though I 've provided evidence from the bank.