WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2017 I was denied XXXX because of my husbands income. UHEAA my loan company assumes that you have % XXXX of ur gross income for expendable income. They do not factor in taxes or our bills. They refused to look at our financial statement and ignored his XXXX in student loan debt. We can not afford the {$260.00} they want in my payments at UHEAA. When I first called them they told me i could lie on my application and put that i do n't have access to his income because i make less and they could go off my income. I refused to lie on an official document. The second time I called they told me I could make a payment of {$120.00} a month for 6 months but after that I would owe the {$260.00} I told them we will not have the money then. We have a lot of bills. They still refused to look at a financial statement. I have called them trying to get them to lower the payment 4 times this week. The first time I was told by XXXX at their office that they have graduated plans and consolidation plans on student aid.gov. I called back the next day to apply and they said that they do n't have those. I called again the next day on Wednesday XX/XX/XXXX and they told me that another loan company can consolidate for me, like XXXX. I called them and that turned out not to be true. I feel i have been lied to multiple times on their services. Every time I call I get a different story and they will not work with me. I finally gave up today and took the {$120.00} a month for XXXX. I believe they are giving misleading information and lying to customers. They have turned this into such a stressful situation because I can not get any straight answers from them. I believe they need to be investigated by the government for their misleading practices. I want straight answers from the company because so far I have no idea what they offer. Please help me and others from enduring this stressful situation. 

XXXX
I applied with XXXX XXXX XXXX, specifically the mortgage loan originator XXXX XXXX. They ran my credit, took my personal information yet refuse to provide me with a loan estimate. This process began on XXXX XXXX, 2017 and today is XXXX XXXX,2017. He presented me with a prequal that just listed the rate. I found a home that would be built so I updated him with the exact mortgage amount needed, terms, taxes, etc. and he has refused to send me any term sheet, loan estimate etc. I asked why my credit was ran if nothing was going to be provided and he switched his words from saying I applied ( which is why my credit was ran ) to that I only partially applied. How do you partially apply to anything? In my opinion You dont partially apply to anything if your credit is ran, you say specific loan terms, down payments etc. Three other companies have had absolutely no problem submitting me this information, as is required by XXXX within 3 business days, but he for some reason refuses and insists on calling me multiple times a day when Ive asked him to stop and only contact me through email. I want nothing to do with this shady company and feel my credit shouldnt have been pulled based upon false pretenses and receiving literally nothing in return. Why would anything apply for anything to receive zero information? Disgusting way to do business. Upset my credit score will drop based on these misleading business practices.
I received a collection letter from RPM ( Receivables Performance Management LLC ) today on XX/XX/2018, in an attempt to collect a supposed debt to XXXX for {$320.00}. 
The letter states if you do not notify their office within 30 days they will assume this is a valid debt. I called them immediately upon receipt of the letter, XX/XX/2018, and was told I can not dispute it. The woman I spoke to threatened that they can take legal action, told me I can not dispute, and proceeded to hang up on me. I do not owe XXXX any money. The XXXX account in question that I previously had for several years was in good standing and was paid off, which is how I was able to get my pin number from XXXX in order to go to a new company. Nothing was left owed to XXXX.
According to Nationstar Mortgage, they have no records of ever showing a Principal Balance of {$87000.00}. In fact Nationstar confirmed that the Loan was originated on XX/XX/2003, with a PRINCIPAL BALANCE of {$100000.00}, and that Nationstar has no records that the original loan amount was $ {$87000.00}. his is associated with Complaint Number # XXXX.
This is about Key Bank private loans and XXXX the servicer. 
I am a co-sign for a person 's loan. that person graduated from School about 11 years ago. I have not seen the person or talked to this person for 10 years now. This person has been paying the loan on time for 11 years and counting. I've asked for a co-signer release every year and got denied. I am trying to understand why is this such a hard thing to do for the loan servicers.
Looking at my credit report on XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$37.00}, {$91.00} and {$290.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this collection agency and have never received any information from them prior to my credit report being threatened with negative remarks. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).
I have been a victim of identity theft, I have never opened these XXXX accounts. Already spoke with creditor who are aware and will be removing
Ordered card from Barclay MasterCard being told that the $ XXXX annual fee would be waived for XXXX Just received a letter that next month they will charge the fee despite being told that they would waive it. I would n't have an issue if they gave a year from the notice or would charge when the card was up for renewal but less than two months to pay off the balance or be forced to pay something that I was originally waived? Does n't seem right to me.
Bank of America has prematurely, improperly, and unlawfully began and continued the foreclosure process including the foreclosure sale of my home and property. 

Bank of America 's motivation for the premature, improper, and unlawful foreclosure and sale is due, in part, to my refusal to accept the Bank of America settlement agreement with the DOJ and AG offer of XXXX XXXX, XXXX and the terms of the now foreclosed upon XXXX Deed of Trust changed requiring Bank of America to pay all property taxes and insurances on my behalf. What this means is until a settlement offer is accepted, the bank must continue to pay out on my account. It basically costs the bank several XXXX dollars a year on an account pending in the modification process where I am not required to pay monthly installments until the modification process is complete, as a matter of law. These two things, when coupled together, is why Bank of America chose to Dual Track and begin the foreclosure process before completing loss mitigation processes. 

All previously mentioned resolutions are desired and mandatory.
I have had a mortgage from Chase Bank in the past and was satisfied with it so I decided to try and refinance with Chase Bank hoping for similar results. I paid a {$500.00} upfront fee which prevented me as a consumer from shopping around for other loans. I trusted that they would finish my refinance in a timely manner and handle my personal information with care as they had done in the past. 

I received very poor service after Chase Bank knew I could not shop around for another loan. I had to call multiple times weekly to get the underwriter to work on my loan. They would then drag their feet and ask for more documents which I had already sent them. They lost several sensitive documents concerning my financial and personal information. I have completely lost confidence in their ability to handle my sensitive information. 


I was told XXXX/XXXX/15 that it would take 7-10 days to process my loan. It has been almost 90 days and the percentage rate I have locked in is almost expired and it does n't look like I will be able to refinance due to Chase bank not responding to my request to work on my loan as well as losing sensitive documents with my personal information. Now I can not trust them to finish my loan, or handle my information, and at the present time wo n't refund my {$500.00}. 

I have recently found other loans a quarter of a percent lower with closing costs covered. I found out none of the other loans offered to me had an upfront fee which would prevent me from looking at other loans like Chase Bank required and thus preventing a free market for the consumer.
Please remove the following unauthorized inquiries from my Equifax credit report : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Discover is violating my consumer rights by providing false information about late payments to the credit bureaus. I have been a victim of identity theft, and when my wallet was stolen the crook also hacked my email addresses and forwarded my Postal Mail. I never received any statements from Discover in XX/XX/XXXXat all. After figuring out that my automatic payment was not going through and after not seeing a statement. I called Discover in XX/XX/XXXXto advise them I had not received any bills and what was going on. Discover reported late payments because of this even though I never received bills. Once I learned what happened I paid it right away. Discover originally told me they would remove these late payments. Which they did, however they did not remove them from my credit reports. Once I called today to ask them why and explain again, the person named XXXX told me they dont have to remove this inaccurate information and that they could send me a statement now months later. He also told me he doesnt care if Im a victim or not, then tried to falsely say I called discover in XX/XX/XXXX. When I asked for proof, knowing I never called them he said they couldnt give me proof that its internal only. Which is more lies. Discover is violating the FCRA. Please review this CFPB.
We had an accident that totaled our vehicle. The driver and her insurance company, XXXX XXXX, accepted full responsibility. We came to an agreeable settlement with the insurance company. We had our loan with Wells Fargo and had only had the vehicle 2 weeks prior to the accident so no payment had been made yet. XXXX XXXX dealt directly with Wells Fargo and XXXX XXXX called and left me a voice message saying that they had been paid in full and that we would be receiving the remaining amount the next day. After a couple of weeks we received a letter in the mail from Wells Fargo stating there was an outstanding balance on the loan of {$1300.00}. We called XXXX XXXX and we were told that they had a Letter of Guarantee from Wells Fargo Dealer Services stating the payoff amount of {$16000.00}, however the amount of {$15000.00} was what was listed below and stating that by signing Wells Fargo Dealer Services agrees to accept a check for {$15000.00}. XXXX XXXX said that was what Wells Fargo quoted them for the payoff amount that was needed which is what XXXX XXXX sent them. After several failed conversations with customer service reps we were connected with the president 's office and XXXX XXXX. She said she would check into it and contact us in a week. That was 2 weeks ago. I spoke with her today and she told me the same thing she did 2 weeks ago, that she could n't make any decisions and would contact the insurance division of Wells Fargo. The Letter of Guarantee was signed by XXXX XXXX of the Insurance Division on XX/XX/2016. We have now received XXXX payment notices. We have the letter of guarantee, the settlement letter from XXXX XXXX along with any other paperwork needed on this matter. We are not getting any resolution in talking with Wells Fargo Dealer Services and XXXX XXXX claims that they have done their part and are no longer responsible for the remaining balance. Wells Fargo Dealer Services has told us that we are responsible for the remaining balance but will not give us any reasons for the shortage on the original amount. We want this matter resolved between Wells Fargo Dealer Services and XXXX XXXX and our account completely cleared of any remaining balances.
I have received several threatening calls, my employer received them as well as family and EX family. I have repeatedly told them if they have something for me to feel free to mail it to me certified mail and I will be happy to respond but to never call me or anyone involved with me again. They have continued to call. When i confronted them they asked m in a laughing tone if I was sure I knew the law regarding what they were doing and I said I did. They mocked me and laughed and said they would continue to call.
Hello, On XX/XX/XXXX this year I closed a Credit card Account with XXXX XXXX. There was a pending balance on the card when closed so the belief was the card was paid off in full. 2 months later My credit score dropped by 100 points and this is how I was notified of a balance on the card. I contacted XXXX and Paid the card in full. When questioned why I had not received any notification of balance they stated that they sent me email notification. Checking my mailbox and spam I received no notifications. I asked for proof of notification and the refused to send me proof of emails from XXXX to myself stating I owed money on my card. On XX/XX/XXXX I opened a XXXX  credit dispute. The results of that investigation removed the late payment discrepancy from my credit report. When I started a Transunion dispute on XX/XX/XXXX I received the results of this dispute on XX/XX/XXXX stating that the information was accurate. Since the two investigations should have been the same. the Late payment should be taken off all of my credit reports. 

Thank you so much
I was seen for a routine XXXX XXXX at a provider I had not used previously, XXXX XXXX XXXX XXXX. I supplied all pertinent insurance information to the company to be submitted by them with their claim. Months down the road I received a collections notice regarding this visit- apparently the office staff never submitted the paperwork for my procedure. I promptly contacted the XXXX XXXX office directly to inquire, and in no unsure terms was told that it was my fault and they were pursuing collection. It has been well over a year since my visit, and it is still unaddressed and in collections making a derogatory mark.
The {$280.00} balance has been paid since at least 2013 and should no longer be reflecting on my credit. I have a paid letter and have submitted it via mail to all bureaus, but it was returned from each XXXX. Please help.
This complaint is against OWEN FINANCIAL SERVICES.

Our complaint is about the equity in our house and the escrow balance showing on our monthly statement. 
We have been with OCWEN FINANCIAL SERVICES for 6 years plus. Prior to that time it was with GMAC who went bankrupt and sold the mortgage to OCWEN. Every time the mortgage was sold ( several times since we bought the house ) the equity in the house seem to disappear. We recall it being {$14000.00} at one time. Where did our money go? OCWEN FINANCIAL SERVICES says the money went for LAWYER 'S FEES and PAPERWORK. This makes no sense to us and ca n't be explained by anyone at OCWEN other than the aforementioned reason. Also, they do not speak or understand English well enough to explain anything.

We are also concerned about the Escrow amount of {$4300.00} for Insurance. We pay the House Insurance directly to the Insurance Company in full for an entire year. This is the amount OCWEN is showing as Escrow on our statement. We would like to be compensated for this amount by sending us a check or in some such manner. We are very discouraged and disgusted with OCWEN FINANCIAL SERVICES and the way they do business.
I had originally purchased a set of bar chairs for my kitchen from ROOMS TO GO ( Creditor : SYNCHRONY FINANCIAL ). At the time of purchase I was told that they only had XXXX in stock but that they could sell me the showroom model as well. Once both were delievered I realized the chairs were different and did not match. Naturally, I called and had XXXX of them returned with the expectation of ordering another of the same type. This is where the problem started. It was after the return of the chair that Rooms To Go failed to credit my account for the chair I had sent back. After many attempts to get the credit they refused. As a result I did not pay them for the chair as I had no intention of paying for something I did not have in my possession. After futher disputes they agreed to credit the account, however, they subsequently sent off the interest earned to a collection agency XXXX without my knowledge. It was my impression that if the account was credited that in of itself meant the creditor acknowledged the debt was not mine and as a result any interest acrued was not mine either. I was wrong, I started to receive debt collection phone calls from XXXX and in order to rid myself of the debt ( under {$1000.00} ) and reduce its effect on my credit I opted to pay it off completely. Nevertheless, I am not satisfied and would like this rectified.
I am currently enrolled in a XXXX 's program at a school where I received a XXXX 's ( this is important ). I already have an up-to-date student loan that I make auto-payments for each month. I decided to pay for my XXXX 's out of pocket. There was an opportunity to XXXX XXXX next year and my Advisor told me to apply for FAFSA to see if I qualified for a scholarship for that program. I knew I would not qualify for FAFSA, but he told me to fill it out anyway as a step towards the Scholarship application. Next, I logged onto my account online for the school and there was a disbursement of over {$10000.00} for each semester this year. Luckily I did not have my bank account information loaded, so the funds were not deposited into my bank. However, they were showing online for the school as a, " refund '' - an unsubsidized loan. I sent in an email on XXXX declining the loan - per their instructions. 

After some struggling, the school corrected the issue on their website. However, a check was sent to me on XXXX. I shredded it and looked online and found that the loan amount for this semester has been tacked onto my student loan through Great Lakes Borrower. It is showing that I owe this amount, plus interest, and a {$100.00} fee. This is baffling to me, how they have the ability to add this to my bill without any confirmation or agreement. I never asked for this loan. I never signed a paper agreeing to receiving it. I only applied for FAFSA as a step to apply for the Scholarship. 

Per the school 's Financial Aid Office, I signed a Master Promissory Note in XXXX. This means that they do not need to discuss loan disbursement with me for each school year. It is supposed to make things easier on students. However, I graduated in XXXX - this should cause that note to expire. According to XXXX, because I signed this note back then, it is good for 10 years - despite the fact that I already graduated and have started a completely different program. 

I am confused as to how they can do all of this without a signature or approval, and I am afraid that it may be  showing on my credit. I am going through the steps to get the money taken off of my student loan account, but I need to make sure this does not affect my credit. This is not something I asked for. I have lots of emails for correspondence to show that they did it without my permission and that it should have been taken care of. 

This could have been resolved with a simple email asking if I wanted the loan or not. Instead, it was processed. A check was sent to me. It was added onto my current loan along with fees and interest. I 've had to file two complaints for the loan company and now the school. There have been countless emails among the staff and myself. This situation is baffling. Please let me know if you need more information. 

Thank you for your time, XXXX XXXX
The following transaction have been recharged to my account even though i already disputed them with capital one. i am a senior citizen and dont appreciate capital one not honoring my request to have these charges refunded. I got scammed, ripped off, and never received anything for my money. 
On card ending in XXXX on XXXX/XXXX/2016 a rebill for {$750.00} and on XXXX/XXXX/2016 for {$120.00} On card ending in XXXX on XXXX/XXXX/2016 a rebill for {$2500.00}, on XXXX/XXXX/2016 a rebill for {$4000.00} and on XXXX/XXXX/2016 a rebill for $ XXXX.for a TOTAL OF {$8200.00}. 
I want capital one to honor my disputes please.
In XXXX XXXX, Chase Bank initiated a foreclosure action against me in XXXX XXXX, Illinois, Case No. XXXX CH XXXX. My answer and affirmative defense was filed. I received a a XXXX settlement, Ref # XXXX in XXXX XXXX. In XXXX XXXX, Chase and I reached a settlement in which I received a cash payment and loan modification. A clear credit clause was not included because my credit was not affected. Immediately following the settlement, Chase reported approximately XXXX late payments to all 3 credit bureaus. Since payments were abated during the litigation, this reporting is inaccurate.The late payments that accrued are now over 7 years old. When I became aware of the issue, I filed disputes with at least two credit bureaus which were denied. I am legally unable to document this matter with the credit bureaus due to the non-disclosure clause in the settlement agreement. I contacted Chase credit department on XXXX XXXX, XXXX to resolve the issue and spoke with XXXX XXXX. My dispute was escalated and denied.On XXXX XXXX, XXXX, I spoke with XXXX XXXX and the matter was escalated. The manager I spoke with told me that I had late payments by looking at her computer screen. I explained the matter and she requested documentation. On XXXX XXXX, at approximately XXXX XXXX CDT, I faxed the attached documentation to Chase.The case was escalated to XXXX XXXX. On XXXX XXXX at XXXX XXXX, Chase employee XXXX XXXX admitted that XXXX XXXX composed a letter of denial on XXXX XXXX, prior to receiving the faxed documents. Chase has not used due diligence in its research and continues to cause me economic hardship, loss of billed time, and emotional distress.
I looked onto XXXX XXXX and saw a collection for {$610.00} from Ad Astra Recovery saying it was opened XX/XX/2016. However i have no paperwork or my official signature to support that nor have i even taken out a {$600.00} loan.
In XXXX I acquired an unsecured loan from Citibank AKA CBNA Due to unforeseen reasons I was unable to pay on the loan, In XXXX Citibank opted to and wrote off the debt and sent me a XXXX cancellation of debt for the amount of XXXX I reported that year as income and paid taxes on that amount. 
Started early in XXXX. several of us have been asking Citibank to report the account as Written off and zero Balance and for more than 8 months Citi have refused to do so, I have made over XXXX calls each call lasting 20 to 60 minutes each, I been given XXXX different fax # 's to forward information and I never spoke to the same person twice and each person would give me different and wrong information. 

Our most recent request is very simple, that they remove the dispute comment at all XXXX credit reporting agencies, and they are refusing to do so I am at the 12 hour with a mortgage to close on my home and this is my only detail that is holding the closing XXXX guidelines are, that no disputes can be on my credit report, Citibank refusal to first report correctly and at minimum remove the dispute comment is holding us hostage We need immediate action brought against Citibank to do what is right and report to the XXXX credit Bureau the correct information within 24 to 48 hours