WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from XXXX saying that my loan was being transferred to Specialized Loan Servicing, LLC ( SLS ) around XX/XX/XXXX. After not hearing from SLS around the first week of XX/XX/XXXX I decided to contact them. I asked them for a welcome package and a billing statement so that I can make a payment. I was informed that both would be sent out within 3-5 business days. After receiving nothing for another 2 weeks I contacted them again and requested information regarding my loan. I still received nothing after a week so I contacted them again and asked for a supervisor. I was informed that a welcome package should arrive soon and I was informed that my mortgage was under investigation because the terms of the loan did n't match up to what they had on file. I had a promotional interest rate of 1 % with XXXX and SLS had my interest rate at 4.75 %. I contacted SLS again in XX/XX/XXXX because I still had not received any information regarding my loan or the terms of my loan. I spoke with a supervisor, XXXX, who informed me that I would not be receiving a statement because I did n't have a payment due until the year XX/XX/XXXX because I was paying far in advance. She stated that it 's not unlawful to not send out a statement if there was no payment due even though interest is accruing. She also assured me that the interest rate that I had from XXXX would carry over. After speaking with her for about 40 minutes with no resolution I decided to just refinance my loan so that I would n't have to deal with SLS at all. I contacted XXXX XXXX on XX/XX/XXXX for refinance and we began the process. On XX/XX/XXXX SLS sent me a welcome letter via email. On XX/XX/XXXX, SLS sent my first statement. I have since closed with XXXX XXXX so I 'm not involved with SLS any longer. Another issue that I have is that SLS did n't report any of my loan transfer to the credit bureau so it looks like a long good standing account with XXXX was closed which dropped my credit score significantly. To date, SLS still has not reported my account with the credit bureau.
On XX/XX/XXXX, I initiated an ACH in the amount of {$900.00} to coinbase. Today coinbase withdrew {$3000.00} from my account and attempted 12 ACH request leading to nearly {$500.00} in fees besides the lost money. I contacted coinbase, they can give me no satisfactory answer, say they can not see the transaction on their side and don't know when they can get back to me.
Several loans which are currently being serviced by Navient have incorrect loan balances and interest amounts. For example, Navient loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. Navient is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When Navient received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.
I was at a Zale 's XXXX in XXXX, SC at XXXX XXXX shopping for engagement rings. I asked the saleswoman if she can see what I would qualify for to finance a ring. She said sure and took my information and ran the numbers for me. I told her thank you and I would have to think about what I wanted to do, so I left. About a week later I received an activated Zales Credit Card in the mail, even though I never gave consent to sign up for XXXX. I feel as though the saleswoman was misleading in the service she provided for me in that she gave no indication whatsoever that I was signing up for XXXX of their credit cards. When I called Zales they told me that they could n't do anything about it except close the account, which hurt my credit score. I would like this account to be removed from my report due to the misleading conduct of the saleswoman at the store.
Equifax is reporting an incorrect balance on one of my accounts. I sent them a dispute letter on XXXX/XXXX/XXXX including proof consisting of a notarized AFFIDAVIT OF DEBT signed by an employee of the creditor. Equifax did not respond to my dispute. On XXXX/XXXX/XXXX, 50 days after I sent the first letter I sent Equifax a 2nd letter notifying them that the 30 day time limit for responding to my dispute was up and that they were now required to delete the account in question. On XXXX/XXXX/XXXX I received their response saying that they have updated the account. They still listed the incorrect balance, but more importantly, their response was too late - it was dated XXXX/XXXX/XXXX which is 68 days after I mailed my initial dispute. The FCRA section 611 ( a ) ( 1 ) ( A ) clearly allows only 30 days for their response. They must DELETE the account. They have failed to do so.
Have called and we settled with a XXXX settlement offer as a pay to delete with a first payment of XXXX and the last payment XXXX XXXX has made payment but they are still reporting a - negative balance on my credit report
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Below is the requested documentation for my personal identification
On XX/XX/2017, I initiated a currency exchange ( via ACH transfer ) of {$1600.00} USD to BTC ( Bitcoin ) with Coinbase.com. The money left my back account via ACH transfer and I was promised that the exchange would clear and be available to me by XX/XX/2017 but they still have not cleared the transaction and show that it is pending. They are holding my money locked and are refusing to allow me access to it. I have made repeated attempts to reach them by phone and email under multiple case # XXXX, # XXXX and # XXXX but they have not responded with any info on the issue. They have not given me any status updates other than saying that my case has been escalated to a specialist. It's been almost 2 months now and I still do not have access to my funds.
My wife and I have a credit card account with Citibank. In fact there are two accounts with them. This month my wife and I both submitted payments in the amount of {$370.00}. She made a payment on the XX/XX/XXXX and I made one on the XX/XX/XXXX. It is quite obvious that this is a mistake since both payments were in the exact same amount and also made one day apart. There was no notification that a payment had previously been scheduled. When I tried to have this corrected by Citibank I was given the run around. Transferred to numerous different people in different departments. They informed me that they needed to speak to my bank and I was not able complete what they needed because I am currently out of town on business and do not have access to all of the information I needed to allow my bank to give them the information they needed. This is a very simple mistake and they should simply correct it. They are purposefully making this difficult for no reason.
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX   XXXX  XXXX  ) XXXX ,
In XX/XX/2018, I noticed that my Barclays XXXX XXXX card had many charges that I did not recognize. I asked my wife and she said she didn't make those charges. In any case, she has her own XXXX XXXX Card. I then called Barclays immediately to report the issue. At that moment, we went through all the charges that were fraudulent and they said they would do an investigation. After that call, I followed up periodically about 3-4x and each time they said the investigation was ongoing. I had multiple conversations on (  XX/XX/18 ) and Barclays took the stance that since this is a chip card, there was no way that I and someone else could be using the card unless I gave someone authorization to do so. That does make sense. 

I then asked them about a new card they issued me in XXXX. They said, " well you called claiming fraudulent charges then so we issued you a new card. '' I replied with, " can you review that inquiry please? '' After reviewing that inquiry, they noticed that they offered me an upgrade so they issued me a new card. Hence, I did not call about fraudulent activity in XXXX. 

I then asked them if there was a possibility that two cards were active during the same period because I can say for certain that I was using my card during this fraudulent period. They said that this couldn't happen. I don't believe this because I'm seeing charges from merchants that I've never been to ( XXXX, XXXX XXXX, XXXX, XXXX ). There are days that I buy gas for my automobile in XXXX, MA and this fraudster was buying gas at XXXX XXXX XXXX XXXX the next day. I only have one car and use one car. They are not willing to investigate further and have told me that I should have went to the police. I totally get that I should pay for these charges if I made them, but they aren't doing any work to figure out if it was me. They simply say, " we believe you made these charges. '' Truthfully, I spend over 50,000 a year on my card. I didn't make these charges. They also have a Fraud Guarantee but they aren't working with me to absolve these issues.
I am currently paying to XXXX XXXX XXXX on behalf of the XXXX. I have received a validation notice and other related information to setup payments with XXXX. I have received all information from both XXXX and XXXX monthly. Along with a payment statement from XXXX parties for the last several months. 

However, now another Debt collector 'Peaks Loans ' has started harassing my family and place of employment. I 've tried to talk to these people, mainly XXXX XXXX, to no avail. She did not have a professional license number and refused to give said address. They are very aggressive and insist they own all my debt. I never received a validation notice from this company. They are, in fact, not aware of any notifications that they should of informed me of. All they cite is that my former college and I signed " documents '' agreeing that they are the sole heirs of my debt. This is beyond false statement and they refuse to remove all contact information and to stop calling. 

Again the person, is XXXX XXXX at XXXX XXXX XXXX XXXX Peaks Student Loans. 
c/o Peaks LoanXXXX XXXX XXXX XXXX, CA XXXX
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  2 co mpliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Send 3 written requests to credit bureaus requesting original documents, and proof of late payment with date of late payment from the company and proof that i was late. All 3 credit bureaus did not send me ANY proof just sent me back mail stating company verified information? I asked for the proof and they failed to provide me the proof of my late payment with XXXX XXXX XXXX XXXX. I also told ALL 3 credit bureaus that if they didn't provide me with the actual proof that they were violating the Fair credit Act and still they failed to send me the proof requested.
I recently opened this account on XX/XX/2018 and only made 4-5 transactions. Yesterday I try to log into my account to see if my daughters child support came in so I can pay my bills and only to find Citibank put a block on my account. I spoke to two representatives, first one told me he couldnt see the issue. The second one told me that he could see the block on the account and spoke to the fraud department only to tell me they are closing my account because of my tax check wasnt endorsed correctly even though they released the funds days ago and sent no warning or notice of the closing of my account. After that I asked to speak to a manager at this point she was giving me less information than the previous representative. Telling me she wont tell me why they are closing my account even though I was told it was a check I deposited. This now is causing me to pay my rent late and the rest of my utilities may be cut off. I havent even had the account for more than 3 weeks but am being told because of my recent activity being the first time I used the card to pay bills. Unprofessional. Inconvenient. And Criminal.
After dismissing an adversary proceeding XX/XX/XXXX, I was told by attorneys including XXXX attorney that they would work with me regarding paying back loan. I am currently unemployed. XXXX only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and XXXX said nothing else was available. My loans went back to XXXX XXXX the original lender. XX/XX/18 XXXX offered forbearance but the form had to be mailed to me. XXXX XXXX XXXX from XXXX put account on hold waiting for forbearance. I filled out the form and faxed it to XXXX on XXXX as I was advised to and was told again by XXXX that forbearance was not available. XX/XX/18 received letter from XXXX that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by XXXX even though they escalate the call. I was told by XXXX that XXXX XXXX   didn't know that I had no options available.
I was recently a victim of identity theft as my debit/check card information was compromised and XXXX individuals ( I know this as the local grocery store has them on video surveillance ) used my card information to purchase a {$1000.00} money order, ultimately charging my account {$1000.00} with the associated fee. I notified Chase of the transaction within 24 hours of it occurring, cancelled my card, and submitted a claim for the amount to be reimbursed. Chase, however, decided that it was a valid transaction and has charged me the {$100000.00} even after notifying them of the filed police report, video surveillance, etc. I have now involved a local attorney.
Applied for forbearance with SoFi via servicer ( XXXX ). Docs were sent on XXXX and I did not receive written decision as of XXXX/XXXX/2016. No explanation was provided within 30 days and as a result my loan is close to default ( 120 days ) .The lender, SoFi , did not respond within the time frame ( 7- 14 days ) described within their forbearance request policies and procedures ; 33 days have elapsed. Upon inquiry with the servicer, They noted I did not engage with their career services department. This was not noted as a requirement or contingency for general forbearance, and as a result I believe my request was rejected. I only learned this through a conversation with a Servicer Representative and not in writing as requested. As a result my credit continued to be impacted negatively and my loan is at risk of falling into default. I am willing to pay but at the moment lack the ability.
I am currently unemployed and live in the state of California. Seterus is the mortgage company that services my loan. The investor on my loan is XXXX and Keep Your Home California ( KYHC ) is making my mortgage payments until I am employed. The escrow portion ( taxes and insurance ) on my mortgage payment went up ( in XXXX 2016 ) which caused the payment to change in XXXX 2016. Seterus was to notify KYHC and advise them of the escrow change and payment change. On XXXX/XXXX/16 I contacted Seterus and spoke with representative about status of loan. My loan is due for XXXX/XXXX/16 and funds in the amount of {$1000.00} for the XXXX 2016 are in suspense. Payment amount is now {$1000.00}. Seterus representative informed me that they do not contact KYHC when there is payment change that I need to do this. I stated mortgage company must contact KYHC when there is payment change. Representative stated they would look into this and call me back XXXX/XXXX/16. I did not receive a call from Seterus. I called Seterus XXXX/XXXX/16 and spoke with Service Lead representative that I received Seterus acceleration letter and did someone from Seterus contact KYHC about payment change. I stated supervisor was suppose to call me back on XXXX/XXXX/16 but I have never received call. He stated supervisors do not call borrowers and stated he was not sure if someone has contacted KYHC. He asked if I had something in writing from XXXX that states payment change process that mortgage company must notify KYHC directly of payment change and for me to email him this info. I stated I would not do this and Seterus must contact XXXX. This person was rude and hung up on me. I am stunned as it seems to me Seterus does not have process in place for payment change when receiving funds on loan from federal funded program. I called KYHC XXXX/XXXX/16 and asked representative if they had received notification from Seterus regarding payment change they stated no. I verified process on payment change with representative and was advised KYHC must receive payment change notification from mortgage company not borrower. I called Seterus again on XXXX/XXXX/16 and requested supervisor but was told I spoke with supervisor on earlier call. I stated I did not speak with supervisor but service team leader. I stated I just spoke with KYHC and they advised me there is nothing from Seterus reqarding payment change notification. Representative stated they will need to check on this and call me back. I stated when will they call me back as they did n't last time. Representative stated they would call back. I also am worried my credit bureau report is being negatively affected which will cause me more problems trying to get a job. Thank you.
In XX/XX/XXXX and XX/XX/XXXX I contacted Chase Bank regarding 3 credit card accounts that were coming due. I advised them that my checking account information had been compromised and that I am working on recovering missing funds with my financial institution. I advised Chase Bank that because of this I would be unable to make my current payment that was due on 1 credit card the last week of XX/XX/XXXXand the other 2 that were due the first week of XX/XX/XXXX. They advised this would not be a problem and that they would make a notation on the account. I asked if I could pay a double payment the following months bill or if they would like the payment when my checking account was corrected. They advised a double payment the following month would suffice and they would wave any late fees since I called and explained the situation. I recently ran my credit report and to my surprise I have a late payment notification for all 3 that is hurting my ability to obtain a loan. If they would have told me that they were going to make a negative remark on my credit report instead of acting caring and understanding I would have asked a family member to pay this for me. I have contacted Chase Bank and explained everything that happened in XX/XX/XXXX and XX/XX/XXXX and they stated there was a notation that I had called but they would not remove the negative report as the notation was incomplete. I feel they acting unreasonably to my request as I have been a good payer to Chase Bank for a long time. With the proper explanation of what would have happened I would not have opted for the double payment the following month.
XXXX XXXX issued a loan to someone who applied using my personal Info since the person who took the loan defaulted they are trying to come after me.

I have a Consumer alert indicating my information was stolen, i also have a police report and FTC affidavit.
Summary of Complaint I have been a Chase Bank customer for over 50 years. A fraudulent check was cashed out of my account for {$460.00} LAST YEAR, and Chase Bank has been completely unhelpful in rectifying this. I have actively sought their assistance since this happened in 2016 and to date, I still have not been able to get this resolved, nor my money back. I am a XXXX XXXX on a fixed income and jumping through all the hoops they are putting me through to resolve this has become a burden to me and my husband, who is now in ill health. Please help me get my money back so that I can end my relationship with Chase Bank. It is shameful that it has taken this long to get a satisfactory resolution to this case. I have attached a copy of the letter written to a local consumer advocate that details the timeline and provides more information about this case.
I have tried at least 7 times to use my credit card online in the past and I have errors for decline due to my Ally bank 's security measures which are blocking it and I have all the information for billing exactly the same and it 's a false problem. I keep asking for it to be fixed and it does n't fix. I have to deal with this XXXX over and over and over
This company has been harassing me, violating the FDCPA laws and when called them out on it they became combative and very unprofessional. This company placed an credit account on my credit which I have no acknowledgement of. The last name on the account is XXXX which I 've told them before is n't my last name. I 've never been married I 've provided documents showing proof and still they wo n't remove off of my credit. My last name is XXXX and never been XXXX.
A former employee, forged money orders from consumers using her as the loan officer in the US XXXX XXXX of XXXX XXXX. We have been able to track down $ XXXX worth of forged MO. The individual also took cash form other consumers. The loan officer befriended the customers and got them to take her blank MO and told them she would take care of the services and pay with the MO. She forget the MO to look like it was used for the service but cashed them for her personal use.