WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 my employer notified me via email that there was a data breech and all employees W-2 's were stolen, and that we should be aware and monitoring our credit. On XX/XX/2018 there was a hard injury made from Axcess Financial in XXXX, OH. I immediately froze my credit and contacted Axcess Financial to notify them that I did not make this injury and it was fraudulent. They requested I fill out a report and send several supporting documents. I completed their requested documents and mailed them via certified mail on on XX/XX/2018. The certified mail was delivered and signed for at Axcess Financial on XX/XX/2018 at XXXX. Axcess Financial has continued to ask me to mail the same documents because they've said they've never received them. I repeatedly advised them that I mailed the documents via certified mail and they still have not been able to find them. They have most recently ( XX/XX/18 ) sent another email telling me they will be closing my case/fraud complaint due to the fact that I have not provided them with the requested documents. I again told them I mailed it certified mail and it was signed for on the above mentioned date. They have requested the tracking number for the certified letter, which I have declined to give because I've already given them the time and date the letter was delivered to their agency.
This is a long read but please bear with me as the details are important. 
1 ) My federal student loans were transferred from XXXX XXXX XXXX to XXXX XXXX XXXX in XX/XX/XXXX. I am on the income driven PAYE plan and also enrolled in public service loan forgiveness. I recertified my income and payment amount in XX/XX/XXXX with XXXX XXXX. We made one payment, under this new certification, of {$130.00} to XXXX XXXX before the loans were transferred to XXXX. I only transferred them because we enrolled in the PSLF plan. 
When the loans were transferred to XXXX XXXX, they told us that they would honor the recertification payment amount of {$130.00}. We have documentation of the payments made in the amount of {$130.00} to XXXX XXXX and they were on time payments. 
They gave us a due date on the XXXX  every month. We knew this payment would be increasing over the years so we wanted the due date to be moved to the XXXX of every month. We called and asked XXXX XXXX if we could change the due date to the XXXX every month. We made our payment on XX/XX/XXXX in full. We called on XX/XX/XXXX to change the following month 's payment to the XXXX  and every month thereafter. It would be XX/XX/XXXX for the first higher payment amount based on the website payment. However, the notice we received now says that it goes into effect on XX/XX/XXXX. This inconsistent information is exactly why we are complaining. 
The complaint is that they are now charging a higher payment and no one said that our payment would be higher simply by changing the payment due date to the XXXX. We feel that they are abusing their power and unfairly charging us a higher amount even though we have recertified and 12 months have not passed. We are only in month 4 and they increased our payments. We had no change in family size or income. They claim that the system recalculated the payment amount when they changed the due date. They refused to manually change the payment back to the original amount of {$130.00}. We feel that they are unfairly charging us a higher amount of monthly payments before we actually recertified. Their system is recalculating payments and is against the department of education 's guidelines for recertification and payment changes. 
2 ) When the loans were transferred in XX/XX/XXXX, it immediately went into forbearance which we did not request. We asked to make a payment in XXXX but the lady on the phone told us we were not allowed to make a payment because it wouldn't count. This is all recorded over the phone. Now, the notices show us as missing a payment but this is simply not true. The loan said it was in forbearance. We can easily pay the required amount but we were directly told to not apply a payment until they could remove the forbearance status. Any and all mishandlings related to this forbearance need to be cleared. We obviously don't want to be in forbearance if we're trying to make the 120 qualifying payments as quickly as possible.
I made a minimum payment to a credit card as well as a {$3000.00} payment to pay off a promotional balance of XXXX that was expiring on XXXX. The credit card company informed me the prior month that I had a promotion expiring and that I needed to pay it off in full to avoid interest charges. When I attempted to do that it was not applied to the balance expiring and when I called to ask them to change it they said that I had agreed to this in the terms when I accepted the promotional rate. The {$3000.00} payment was applied to a promotional balance expiring on XXXX. In addition none of my payment was applied to a purchase balance of XXXX that is accruing a minimum interest charge of {$2.00} every month.
From XX/XX/XXXX to XX/XX/XXXX : Funds of {$49.00} withdraws by Company name as appeared on bank statement " XXXX XXXX XXXX XXXX XXXX '' From XX/XX/XXXX to XX/XX/XXXX SAME COMPANY Funds of {$49.00} withdraws by Company name as appeared on bank statement " XXXX XXXX  " Since last 5 years they are taking about same amount from by business checking account. 
Please, do the NEEDFUL for it.
I have contacted XXXX  about harrassing me through mail offers for a Payday loan and asked them to stop and desist sending me offers for a Payday loan that I am not interested in in their loans.

XXXX   has failed in my request and continues to harrass me in taking out a Payday loan.
I was notified of a new account on my credit report. Upon looking look like a unknown account for the amount of {$260.00} was placed for collections on my report from NCC XXXX, FL. I am unaware of any past due or delinquent account.
I have a hold on my credit for a house that I have not lived in in almost five years. I only co-signed on the house for a friend that I was living with at the time. The owner of the house should have been paying the payments each month. I would like to know why after all this time I am the one with all the problems.
Foreclosure document fraud by Wells Fargo as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX and the Assignment says the note was assigned in XX/XX/XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned XX/XX/XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS WELLS FARGO HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.
I have asked to move one payment to the end, or end the loan and they will not let me. TheyXXXX tell me the amount varies each time i call, and the only thing they will offer is more money. I have already paid them back more than what i was loaned out. They have terrible customer service
In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you
As per guidance from my bankruptcy attorney, I sent a letter request to TransUnion on XXXX XXXX, 2017 requesting my free copy of my credit report. Along with the letter, i included a copy of my drivers license and my social security card. 
I received a letter back from TransUnion stating that my request couldnt be processed because they need proof of current mailing address. I provided my driver license which has my mailing address and is listed on their letter as an acceptable form of proof of address, on the reverse side of this letter is a form to fill out which includes payment ( visa, mc, etc. ) Therefore they are refusing to fill my request because they want payment?? 
I called Transunion today and spoke to a representative XXXX who said he had my credit report up in front of him and that i can go to the website and request the copy. i do not wish to submit my personal information ( including ss # ) on their wensite. I am entitled to a free report. 
This is a scam as transunion is only looking for customers to pay for their credit report even if they are entitled to one per year for free. 
Very disappointed and untrustworthy. very unfair business practices. 
Please assist.
I have sent a letter advising I am not disputing anything on my credit report, however, it still shows disputes on my report.
In a previous compliant, Navient stated I did not attempt to return their calls from XXXX XXXX and XXXX, 2016, to discuss my account regarding retracting negative information in my credit reports. This statement is inaccurate. 
I did return XXXX XXXX XXXX 's calls on XXXX, XXXX, XXXX, XXXX and XXXX, 2016. I was unsuccessful in speaking XXXX XXXX, but I need speak with their representatives, XXXX, XXXX, XXXX, and XXXX, respectively, in an attempt to contact her so that I could speak with her. I still was unable to speak with XXXX XXXX, and she did not return my phone calls after XXXX XXXX, 2016. However, instead of speaking with me, personally, she relayed messages through representatives XXXX, on XXXX XXXX, who told me she was researching my case and will return my call. She never returned my call. XXXX, on XXXX XXXX, stated, she stated the negative information was retracted and will be sent to credit bureas. On XXXX XXXX, 2016, XXXX stated that it had to be sent to thr credit department for approval, but it will be retracted. 
I was given misinformation and my attempts to contact XXXX XXXX XXXX ignored. I was never given the opportunity to discuss my account in more detail.
I am a   XXXX   XXXX     XXXX   recently assigned to   XXXX   XXXX   orders.
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Harley-Davison Financial Services, subsidy of Harley-Davidson Motorcycle Company, has refused to honor the   XXXX   XXXX   military orders, and keep my account under Servicemembers Civil Relief Act. All other creditors have honored my orders except for this company.
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They had initially honored the orders back in   XXXX   XXXX   XXXX  , and then terminated my SCRA terms in  XXXX , and are charging me late fees for the past two billing cycles in addition to inflating my interest rate on the loan.
XXXX   & Equifax Credit Reporting Agencies are r eporting inaccurate credit information on my credit file regarding   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  accounts. Their reporting that my current payment status i s 120plus days pa st due when in fact the account were transferred to another lender and paid. I have filed several disputes with the CRA and have contacted the   XXXX   XXXX   XXXX   XXXX   for the information to be corrected to no avail for the past 3 years.
I received an email on XX/XX/XXXX from XXXX XXXX stating that effective XX/XX/XXXX the card could no longer be used and the account will be closed in XX/XX/XXXX. The company filed for Chapter XXXX bankruptcy. I inquired about the affect that this will have on my credit score and their reply was to check with a credit agency.
To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with XXXX XXXX XXXX XXXX for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX
XXXX was removed from XXXX and Experian credit reports due to the accounts being mis dated to appear new when they are over 10 years old. This company has reinserted XXXX charges to my credit and dated them XXXX 2016 I was not notified by anyone that these would be placed back on my credit.
I keep receiving phone calls from Credit Corp Solutions. They either hang up, or ask for " XXXX. '' The most recent phone calls were on Friday, XX/XX/2019, and Wednesday, XX/XX/2019. I have told them repeatedly to remove my phone number and to stop calling me, but this has not been done.
Hi, I enrolled in the American Express offer of spend XXXX+, get XXXX bonus membership points at XXXX XXXX XXXX XXXX XXXX of my American Express Cards . I met the requirements on all XXXX cards, but only got XXXX bonus points. I am expecting XXXX membership points.
EVERY YEAR FOR FIVE ( COUNT THEM ) FIVE XXXX YEARS THE SAME XXXX. 
I GO TO EQUIFAX ON ANNUAL CREDIT REPORT. I WASTE MY TIME, GET STRESSED AND MORE ANSWERING ALL THEIR XXXX QUESTIONS. 
MOVE RIGHT ALONG TO THE END TO GET THIS XXXX ... ... ... .. 
WE ARE SORRY, YOUR ANNUAL FREE CREDIT REPORT IS NOT AVAILABLE ON LINE ... ... ... 
LIES AND XXXX ... ... .... 
FIVE YEARS OF THEIS VERY SAME XXXX STORY ... ... ... 
NO WAY, THEY JUST DO NOT WANT TO DO WHAT THE FEDERAL GOVERNMENT AUTHORIZES THEM TO DO ... ... .... 

FIVE YEARS, SAME XXXX STORY ... ... ... AM I MAD AND STRESSED???? BET ME I AM. DO I TRUST THEM, BET ME NO ... ....
This company keeps calling me, does n't say anything. Has silence on the phone. Then when I call back to see who it is they advise me they are a collection company. Wont provide any information other than the name " Phoenix Financial '' they are very rude and they do not fully disclose who they are & why they are calling.
THIS COMPANY HAS TARNISHED MY NAME FOR WAY TO LONG AND TODAY IT HAS TO STOP, THIS SCAM OF A COMPANY PINNED ME WITH A UNAUTHORIZED ACCOUNT THAT I HAVE NO KNOWLEDGE OF! IVE SENT IN MY POLICE REPORT, AS WELL AS MY AFFIDAVIT AND JUSTICE, HAS STILL NOT BEEN SERVED! PLACING THIS FRAUDULENT ACCOUNT ON A INNOCENT HARD WORKING INDIVIDUALS CREDIT PROFILE FOR NO REASON IS MIND BLOWING, SICK AND INHUMANE! IM A VICTIM OF IDENTITY THEFT AND THAT'S ALREADY TEARING ME TO SHREDS AS IT IS! I CANT FURTHER MY LIFE AND MY FUTURE BECAUSE OF NATIONAL CREDIT ADJUSTERS! I DEMAND THIS FRAUDULENT ACCOUNT TO BE REMOVED! THESE COMPANIES PREY ON THE INNOCENT, WEAK, POOR AND NORMAL HARDWORKING INDIVIDUALS! AND IT NEEDS TO STOP, I HAVE FILED ANOTHER POLICE REPORT AGAINST YOU BULLIES AND JUSTICE WILL DEFINITELY BE SERVED TO YOU ALL! NOT ONLY ARE YOU TARNISHING MY NAME AND REPUTATION BUT I CANT GET A HOUSE OR A PLACE TO STAY BECAUSE, OF THIS FRAUDULENT UNAUTHORIZED ACCOUNT, THIS NEEDS TO BE REMOVED IMMEDIATELY OR I WILL SUE NATIONAL CREDIT ADJUSTERS AND BRING YOUR COMPANY DOWN IN SHAMBLES FOR THIS HORRIBLE FRAUDULENT SCHEME!
Wells Fargo are stating stating XXXX different amounts that I owe. I requested information and thus far they have not provided me with anything as of XXXX XXXX, XXXX. Meanwhile I have a schedule foreclosure of XXXX XXXX, XXXX. 

Wells Fargo had no intention of modifying or verifying the amount I owed.
We sold a property in XXXX, WA, XXXX XXXX XXXX XXXX, XXXX, WA XXXX, and closed on XX/XX/2018. We contacted the Mortgage Company, Freedom Mortgage, and gave them a change of address to send our escrow refund. On or around XX/XX/XXXX my wife contacted them to verify that they indeed had our correct address and asked if they had sent an escrow refund. They stated that a check was issued on XX/XX/XXXX and mailed on the XXXX. We waited a week, and called back stating we had not received the escrow refund, but did receive other mail from Freedom Mortgage with our correct address. They said give it 5 more days and then if by XX/XX/2018, we had not received our check they could void the original check and send us a new one. The following day we received an account closing statement, with no check, so we called them back and asked if the figures were correct, they said yes, and then we inquired as to whether a check should have been in that statement and they said " sometimes ''. 
My wife called back today, XXXX XXXX, 47 days after we closed on the property, and they told her they would void the check and submit another within 10 days. I got irritated and asked why another 10 days and they said it was " Policy ''. I asked what the federal requirements were for refunding an escrow account and they did not answer the question. I then asked why they did not cancel the check when we first contacted them and told them there was an issue, they said they could not. After repeated questioning they did admit they could have cancelled the check but their policy is not to, but rather re-submit a new check after the 10 day period, meaning we would not receive our escrow refund for well over 60 days after closing. 
I went to CFPB website, found where the law states they have 20 days to return the escrow, and I am asking for your help. 
We did our part by contacting the mortgage provider multiple times to inform them of the issue, waiting patiently, and now we have been lied to concerning the policy of the company, that a check was sent when one was not, and that they had up to 60 days to refund and escrow account.
I have been fighting with the former XXXX XXXX, now Navient, student loan servicing for over a decade. My loan ballooned from late fees tremendously during this time period and has increased my payoff time by at least 5 years. In light of this new class action lawsuit, I would move for all or part of my Navient loans to be forgiven. Can you help?
I continue to have problems with Ditech. I made a payment for my mortgage that was due XXXX XXXX, XXXX. I sent the payment with the statement for this due date on XXXX XXXX, XXXX. It was received by Ditech according to their own records on XXXX XXXX, XXXX. Instead of being applied to XXXX 's statement, it was applied to the principal of my loan. When I failed to receive a statement to make the XXXX XXXX, XXXX payment, I went to my account online on XXXX XXXX, XXXX. It was then that I realized that Ditech had misapplied my payment from XXXX and had assessed a late fee because it indicated that it had not received the payment for XXXX XXXX, XXXX. I called customer service and XXXX told me that she would put in a request for reallocation and to reverse the late fee. I went ahead that day XXXX XXXX XXXX, XXXX ) and made a payment to cover the XXXX XXXX, XXXX payment. On XXXX XXXX, XXXX, I saw that my XXXX XXXX, XXXX payment had been applied to the XXXX payment and that my new due date was XXXX XXXX, XXXX. Today, XXXX XXXX, XXXX, the due date is now back to XXXX XXXX, XXXX, and both XXXX XXXX 's and XXXX XXXX 's payment are in a catch all category of " unapplied amount. '' This is unbelievable! They have also not reversed the late fee, even though my XXXX and XXXX payments were not late. I will call them again tomorrow but this is getting ridiculous!
I spoke to   XXXX   XXXX   supervisor in the special handing department for trans union in let him know that I was affected by the glitch they had in there system for inquires where thy where taking off my credit report in reinserted without notifying me within 5 days he said I was the 100 person to called about the issue in he ca n't do nothing about it
I have hired a third party company called XXXX XXXX XXXX to resolve this issue with Credit Collection Services, a collection agency. When I use to live in XXXX, XXXX ; XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) bill was not paid after I relocated to XXXX, XXXX for new employment. Eventually the bill was sent to collection agency, XXXX XXXX XXXX. The bill was paid in full on XX/XX/XXXX and the confirmation number is # XXXX. However, the bill is still showing on my credit report with Trans-union and I would like to have this item removed from my credit report as it is showing as a negative item.
I received several messages from Navient claiming I had not paid my loan fees despite monthly payments of XXXX dollars from XX/XX/XXXX-present. Despite multiple calls, I received only a grace period where payments were halted until XX/XX/XXXX. I sent a letter on XX/XX/XXXX providing proof of payment to Sallie Mae that was not reflected in my account and requesting an investigation. On XX/XX/XXXX I called again and was told that no action had been taken because I did not call to instruct them to take action!! Despite my very clear written request that my account be investigated and payments reconciled. I have asked for the matter to be forward to the processing team asap. I can not believe that 15,000 dollars + of my payments have not been credited to my account. I request the  immediate clearance of my account because the payments I made already covered the principal PLUS interest on the loans. I request that Navient close my account, stop harassing me for payment already received, and compensate me for the extreme stress this has caused by waiving interest fees for the past year during which I have been contacted multiple times and threatened with collections despite paying regularly, on time, and sufficiently.