WillisBack/dataset-financial-user-claim huggingface dataset:
I opened an account with Citibank to consolidate my debt and take advantage of a 0 % rate. I set up the account and ask for no emails. 
They have started sending " hello, you have an account with us '' emails. The clerk says, if they have my email, they will be sending this email every month. 
It has no " unsubscribe '' link and she ca n't unsubscribe me either, unless she deletes my email from their data base. I want them to have my email, in case they have something of importance to say, but I wish to be left alone otherwise. 
Can you require them to leave me alone? 

Then, second, she has no way to forward a complaint to the corner office! I have to send a snail (! ) mail complaint to the following address Citibank XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I find this rude, contemptuous, and mean-spirited. 
thank you.
My credit report had a XXXX XXXX charged off account. The account was charged off in XX/XX/XXXX. XXXX Account # XXXX. This account was sold to XXXX XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX, Equifax automatically deleted the XXXX account off my report as it too old to report. However, XXXX did n't delete the XXXX XXXX account which is based on XXXX XXXX, the original creditor.
To whom it may concern, Navient/XXXX XXXX have been servicing my student loans for many years. Beginning in XX/XX/XXXX/XX/XX/XXXX - I began my college career and did so with the help of student loans. My grandmother, who was a XXXX, co-signed a student loan for my sophomore year tuition, a $ XXXX loan disbursed XX/XX/XXXX. This same loan now has a current balance of $ XXXX some 15 + years later. My loans are in good standing and have been on autopay for some time. Throughout the life of my student loans, I have repaid well over $ 60K. <P/>What 's troubling is that through various points throughout, status of these burdensome and variable rate loans have had an impact on my financial viability and credit reporting. I am in active contact with my United States Senator 's staff regarding this topic and suitable actions moving forward. I feel misled and boxed in to endless monthly automatic payments with no end in sight. <P/>My pursuit was XXXX XXXX initially with my career, studying XXXX XXXX and then XXXX XXXX. I have spent much time in the XXXX XXXX however, post-XX/XX/XXXX financial crash, XXXX XXXX XXXX jobs became very difficult to obtain and hold. As an example, working for a XXXX in CT beginning in XX/XX/XXXX, my position each year had an evolving status of full-time, part-time, and then finally position eliminated due to budget in XX/XX/XXXX. <P/>I am looking for thoughtful and compassionate solutions that will ultimately lead to much forgiveness on the remaining loans at hand.
Every time i created an account with them, they disable my personal account. Why???? If you can't provided to all U.S person, why  this crazy institution say we can send money via online too...??????? XXXX.......Say. This company is soooooooo humane rise tooooooo many people in USA.Thanks,XXXX XXXX XXXX
I payed off my car loan through Ally Auto on Saturday XXXX XXXX. The payoff amount was taken out of my account on XXXX XXXX 2015. I called on Wednesday XXXX XXXX to see when I can expect my lien release. The response was 10 days for the money to clear ( although my car loan account listed XXXX balance and the pay off monies was taken out of my checking account ). I then explained that that was ok but at the 10 days I would need to have the lien release note as I sold the car and the buyer only has 14 days to get the title into her name. Ally then told me the paperwork would be mailed to me after the 10 days and it would take 5 to 7 business days. Again I discussed the unsatisfactory time frame. I was told I could request a fax copy after the 10 day money clear timeframe but the fax would then have a 48 hour hold on it after I request it. This hold happens over a weekend so in reality the title will still be over the 14 day mark set by the State of Michigan. I was not informed in my loan paperwork that this event would take up to 17 days to complete if I chose to sell my vehicle before the loan was payed off.
In XXXX of XXXX I leased a XXXX XXXX XXXX XXXX. I began having problems with the vehicle in XXXX XXXX. Specifically, jumps while switching gears and gets stuck in gear XXXX. The problem mainly occurs when the car is switching gears from XXXX to XXXX and XXXX to XXXX. The car jumps so much when shifting that it is hard to control. When the car gets stuck in XXXX gear the engine revs but does not shift out of gear. I began taking the car to the dealer ; however, the problem was never fixed. The claim was that they could not duplicate the problem. On XXXX XXXX I took the car into service and provided the dealer as well as XXXX with videos showing the issue that I am complaining about. Also I provided copies of other driver 's experience with this issue and I have described the issue in detail with the hope that the issue will finally be resolved. Additionally, I told the service manager that the issue appears to be software related specifically it is either malicious or incorrect code in the vehicle software. On XXXX XXXX after 53 days in the shop and XXXX miles on vehicle they returned it saying they could find nothing wrong with the car so no repairs were done. Upon return of the vehicle I noticed that the service report for the XXXX XXXX service was incorrect. The report stated that my car had only been in the shop from XXXX XXXX to XXXX XXXX and there were no miles put on it while it was in service, which is false. I pointed these errors out to the dealer who noted the inaccurate information. Since then, the car has been in the shop 3 additional times for the same issue and nothing has resolved it. Accordingly, the vehicle meets the statutory requirements to be deemed a lemon and repurchased by the manufacturer. On XXXX XXXX, XXXX XXXX made an offer to repurchase the vehicle and give me {$1500.00} towards a new C-Class. However, on Monday XXXX XXXX, XXXX they reneged. Since reneging on the offer the vehicle has been in the shop 3 to 4 additional times for the same issue. XXXX has ignored every correspondence and notice that they have received about the vehicle. They have also refused to keep the vehicle until they figure out what is wrong with it and provide alternate transportation. As it stands the car is unsafe to drive, however, I have no choice because they reneged on their offer and as a consequence I am paying for a vehicle and its use is substantially impaired.
I have about $ XXXX in consolidated loans with Navient. My monthly payment is {$200.00} which covers the interest and very minimal principal. I've been paying for years now with an extra {$100.00} per month going straight to principal and my balance hasn't even gone down {$1000.00} which doesn't seem right. I've contacted them several times and they keep telling me some months interest is higher because there are more days ... They have never once explained to me why they aren't doing simple math as normal banks and other loan servicers due. They are definitely not applying my payments correctly and taking advantage of me. I don't know if it's on purpose or by accident but they have yet to correct their mistake, and I alerted them about 2 years ago. Please help me!
Key Bank is falsely reporting that payments were made to a credit card Debt, on a card that was stolen. Payments have not been made for more than 8 years. I believe Key Bank is falsely claiming this to keep the account in an active status. Key Bank has reported the debt as charged off. In the attachments note where it reports last payment made XX/XX/XXXX, yet in the report it claims payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It is my statement that the reports of payment in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are also false. Even more strange accounting as they claim {$150.00} payments, yet no change in reduction of the debt is noted. This is false reporting on my credit.
On XX/XX/XXXX I was dismissed by court on being the one responsible to make the payments on the mortgage. The late payment made on the home by my ex husband was on XX/XX/XXXX this is when his payment was made on the mortgage. No other information was given to me by the bank. No registered letters in the mail. No phone calls. This company knew where I was employed. Made no attempts to contact me. House was foreclosed on XX/XX/XXXX without either of our knowledge. Again no contact from the lender. House was sold XX/XX/XXXX for back payments. On the credit report it is showing a XXXX XXXX. date of XXXX ( House was sold already ) so this is incorrect. Even shows late payments XXXX through XXXX after the house was sold. If I have no balance on this home why are there late payments showing on my account? Why was I notified on anything involving this home?
I am a victim of Identity theft. A account was open on or around XX/XX/XXXX with XXXX that I did not authorize nor did I make. I have contacted all the credit bureaus letting them know I am a victim of identity theft. A police report has been filed with the XXXX XXXX XXXX Sheriff Department Report # XXXX on XX/XX/XXXX for Identity theft. I have also filed a complaint with The XXXX ( XXXX ) is a partnership between the Federal Bureau of Investigation XXXX FBI XXXX Complaint Id : XXXX I have filed a complaint with the Federal Trade Commission Reference. I have disputed it with all three credit bureaus and Cash call directly letting them know I did not open this account and that I a victim of ID theft and requesting that the account be removed as it is not mine and they still keep it there. Equifax & XXXX wont remove it.
I tried for years to have my mortgage modified Nationstar Bank. After years of relentless go around I got no where. Prior to Nationstar Servicing my loan it was Auroa. They to gave me years of runaround. Then years later I find out XXXX held the note. So honestly I never understood who held what. Home went to constant foreclosure sales, but nothing ever happened as my file was always missing or in review status. 

After so much uncertainty I was referred by XXXX XXXX in LA whom referred me to XXXX XXXX XXXX, representing XXXX XXXX XXXX of XXXX XXXX. They told me they would fight for me and I would never lose my home. This went on over 2 years. 
In the 2 years of getting constant run around from Nationstar and the Attorney, the lenders and XXXX took drastic measures to take my home. In this time XXXX XXXX I believed forged all documents to have all my correspondence sent to him. I never received one letter from Nationstar and the attorney told me he is handling it. After all the years pass, I began to trust him as we overcame so many foreclosed dates.I started getting generic letters from a realtor XXXX XXXX threatening me ( not directly ) to vacate my home for months. She taped letters to my neighbors, and I had to find out she worked for XXXX XXXX in XXXX XXXX. She harassed me for months and the attorney told me that she just wanted the sale. I never had XXXX minute face to face with her. 
I am a hard working VP, I make good money, put over 20 % down on my home, and tried repeatedly for someone to help me. I either wanted to refinance with my parents, modify balance, and sell the home. Options by Nationstar or XXXX never happend. At least I never got any mail. Attorney, lenders, and XXXX XXXX harassed me from XXXX XXXX to when I was thrown to the streets by police on XXXX XXXX. 

After 3 years, I found out the XXXX XXXX was a fraud misrepresenting XXXX XXXX ( who went BK 2-3 yrs ago ). XXXX XXXX of California said they could not go after him since he was not a true lawyer. I also filed a claim with District Attorney who told me to contact Realtor Board to go after XXXX XXXX, who misrepresented herself, and the list goes on. 

The end result of 3 years fighting the lenders, finding out my so called attorney was or is part of a scam, A realtor who was working unethically, I lost everything. 

As I mentioned I was evicted XXXX XXXX XXXX when I thought the Attorney was handling it with so many promises. 
I lost over {$170000.00} of my entire savings, I lost 10 years of my life in the home, and my credit went to shambles because of the attorney falsifying my identity to file BK to save the home after it was sold XXXX XXXX XXXX, which I never knew. I am living my childhood bedroom, with no credit, and no money. I have tried to get someone to listen, District Attorney, Lenders, Realtor Board, and State Bar hoping there is some closure to the nightmare I have been living. The attorney and lender left me to drown. As I try to rebuild my life, i was a victim of fraud and deceit, if the lenders just worked with me and options to come to a conclusion none of this would have happend. The Home was taken away from me.
I received Courtesy call from Capital One on XX/XX/2017 at XXXX.I was informed that I was speaking to Customer Service , Representative-XXXX, EID # XXXX. I was confused in receiving a courtesy call concerning, a late payment of {$58.00}. When I paid, a payment of XXXX on XX/XX/2017. At time of making this payment, I asked the customer service representative-XXXX when are the payments due. XXXX stated XXXX of every month, beginning XX/XX/2017 in the payments amount of {$25.00}. However, I received Capital One Card on XX/XX/2017. I begin using the card in month of XX/XX/2017. I applied for this card in rebuilding of my credit, so making my payments, correctly and on time is very important to me, in establishing my credit. Anyhow, I received conflicting information from XXXX, stating a payment of {$25.00} was due in XX/XX/2017. I stated a payment was paid of XXXX on XX/XX/2017. Then XXXX, stated a balance of {$8.00} and missed payment of XXXX for XX/XX/2017, plus payment of XXXX ( increase payment due transactions applied in XX/XX/2017, in reaching my card limit of {$300.00}, with a later fees of {$11.00}? ) .I immediately, ask to speak to supervisor. I was on hold for 5-10 minutes, I then was introduce to a supervisor, name ; XXXX, EDI # XXXX. XXXX, stated conflicting information from XXXX. XXXX stated the payment made on XX/XX/2017 of {$50.00} did n't go through and was therefore a missed payment also, no payment was due for month of XXXX? The payment was paid by Master Card/Debit Card through XXXX Prepaid Master Card. This is card reflects, my direct deposit and where my semi-monthly pay checks are deposit. I get paid on the XXXX and XXXX of each month. Therefore, the funds for payment of {$50.00} was in the account. I asked, why am I being notified on XX/XX/2017 about the {$50.00} missed payment. I was given, a poor excuse of a business practice and customer service, due to billing cycle, the missed payment was register on XX/XX/2017. As a problem with payment, then the account was place in call dailer to contact me with courtesy call. Concerning, my payments being 7 days pass due, however within 30 days of not being reported to credit bureaus. I informed XXXX, again this is poor business practice and unsatisfactory customer service. At least, Customer Service and Supervisor, should have the same information to be reviewed and stated to customers. I am sadly, disappointed with Capital One. I 'm requesting this matter be reviewed and addressed, so know one else will become a PREY in wanting to rebuild and establish a better life by being credit worthy. My Best, XXXX
I paid Experian for their 3 in one credit reporting service. Credit Check total service. I have never been able to access all 3 reports. Ive been charged XXXX a month and never received the service. They are refusing to refund my money.
Rushmore Loan Management Services, through unfair violations of the FCRA, FDCPA and other state and federal regulations, continues to defraud and undermine the authority of the CFPB, FTC and other state and federal agencies. They have NOT fully complied with their obligation to respond as they have yet to provide valid documentation to substantiate the inaccurate information they have been furnishing. 

Rushmore Loan Management Services has unfairly re-aged an account on my credit report and continues to update the falsified accounting without any well established justification. Rushmore Loan Management Services repeatedly responds that they are furnishing accurate data. Then, to undermine both Federal and State agencies, attach a multitude of " fluff '' documents, NONE of which substantiate their claim. Clearly, Rushmore Loan Management Services does not have any legitimate evidence to validate or they would have easily provided it by now. 

I have repeatedly defended my position by submitting a plethora of supportive documents, including the series of attached credit reports showing PROOF POSITIVE that Rushmore Loan Management Services has indeed illegally re-aged this account. It is completely unfair and unlawful that I continually provide proof of burden while Rushmore continues fraudulent misconduct without evidence nor questioning. 

Without well-established supportive documents, responses by Rushmore Loan Management 's Customer Correspondence Department do NOT provide one iota of validation and thus should be investigated thoroughly by all state and federal agencies for intentional fraudulent activities. 

Rushmore 's harmful and undermining misconduct has gone unquestioned, unchallenged and without proof of burden for far too long. I intend to seek relief, resolution and all and any recovery that I may be entitled to.
Due to economic downturn, my business declined and my family went through hardship and fell behind on mortgage payments and eventually had to file bankruptcy. In keeping to our financial responsibility, we worked hard to improve our financial situation through additional employment. In the process most recently, we requested a loan modification to get back on track with our mortgage company Fay Servicing. After a lengthy, stringent process, they approved us for modification only to find out that they want to almost triple our interest rate - from 2 % to 5.5 %, a 175 % increase. Meaning our payment would go from approx. {$3100.00} to {$5200.00}. The whole idea of a loan modification is to receive some type of modification, generally more time to repay or reduction in the interest rate - NOT an increase in the rate. If it was unmanageable at {$3100.00}, how does the lender expect us to make a payment almost 3x more? It is illogical. Also, it is evident they are raping the consumer to make a profit and forcing the homeowner out of their home by making it unmanageable and foreclosing on them. Manipulating the rate during the modification process is very deceptive. The account manager stated that the rate had to increase because that is the market rate and that they could not offer a government program or rate. We knew for a fact that we weren't in a government program or rate at 2 % because we were told that back in 2014, so by making that statement and standing behind it was clearly an excuse. In 2014, Fay Servicing confirmed to us that we had a conventional loan and did not qualify for any of the government programs because of the loan amount. Also, at that time we were told we needed to come up with approx. $ 25K to avoid foreclosure, and when we told them we had the funds, they informed us it was too late to stop the foreclosure - when it was 5 days away. Again, we knew that wasn't true. So we know what the account manager recently stated was not true. Also, I researched the rate with local banks to be sure and they confirmed my belief as I was told the rates were below 4 %. We find this discriminating and illegal - because we filed bankruptcy and imposing an acceleration of our interest rate, respectively. Also, our house is upside down by $ XXXX and the lender didn't even consider a principal reduction or forgiveness. The lender is well aware of this as they recently completed a market valuation of the house. I hope CFPB can assist us in the process to keep our rate the same and get a longer term to repay our lender so we can stay in our home and also work out a principal reduction after they chose to not work with us before and force us into bankruptcy. Thank you.
I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

TRANSUNION : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
I was diagnosed with XXXX XXXX in XX/XX/XXXX, I had to have XXXX. I fell behind on my mortgage with XXXX XXXX. I was out of work, recovering from XXXX and XXXX, in til late XX/XX/XXXX into XX/XX/XXXX. I applied for a loan modification and was denied, even though I am receiving Social security XXXX. I applied for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX, and they accepted my application and agreed to pay Ocwen {$50000.00} which they rejected because my outstanding balance was over that amount. At the same time they denied my loan modification even though I make more than sufficient money monthly. I contacted Ocwen on XX/XX/XXXX an ask why was the $ XXXX from NJ housing rejected and they did give me a loan modification, but wanted me to pay over {$57000.00} to save my house. I am waiting to hear back from Ocwen escalations to see If they would accept the {$5000.00} from NJ housing Authority, minus their fees with turns out to be {$50.00}, 300 plus at the end of XX/XX/XXXX. I suggested to them that I will pay the difference between the $ XXXX and the XXXX XXXX dollars an continue to pay the mortgage in XX/XX/XXXX. 

XXXX XXXX ( XXXX ) XXXX
that account was not opened by me. opened XX/XX/13. says I owe {$130.00}.
I still have no idea how I was even approved for over $ XXXX of private student loans through XXXX XXXX ( now serviced by Navient ) in XXXX - XXXX for two years of schooling. I did NOT have a cosigner and had very little ( or no ) credit history at all. Now, I am required to pay at last $ XXXXmonth on a less than $ XXXXyear income. Navient has attempted to " work '' with me, lowering my interest rate, however I see that they are not applying the payments correctly to my loans. Additionally, when the recent term of my past interest rate reduction program was due for renegotiating ( end of XXXX ), Navient refused to keep me at the lowered interest rate, regardless of the fact that I am currently making far less money than I was the previous year. They increased my loan interest by .5 %. What can I do? I am swimming in a pool of Student Debt in which I will never be able to climb out of. I desperately need help.
I have received repeated and daily calls for Dynamic Recovery Solutions from XXXX XXXX XXXX XXXX. I have never lived XXXX. I have lived in XXXX, FL since 1981.
XXXX agent miss represent there service and payment fees for services and phones I bought. they stated one thing and I was charged another more money. I took XXXX to court and sued them and won. I owe them nothing and XXXX ended owing me money. Since then they keep trying to collect the money from me. they have different collection company 's try to collect money from me. each time I send them a judgment I owe XXXX nothing. That collection company will stop then another collection company will contact me. this is the fourth collection company that has harassed me now.
MCM I called several times to resolve the issue and was told the debt could be settle for {$750.00} dollars in which I called back and was told I need to talk to some one name XXXX. I have phone records to how many times I called.

If MCM wants to resolve this issue I need a letter stating what I was told over the phone. If it's not in writing the amount stated there is no reason to mail any more letters I will just wait to it comes off my credit report. If the debt is not being removed there is no reason to pay the debt due to it is not going to change my credit.

Unless I receive something in writing showing what we discuss and it's been removed from my credit report there will be no need for need for contact regarding this debt if not in writing. I well not respond to the same old computer generated letter and when calling no need. Its been nothing but games and the run around with MCM. No letter no money