WillisBack/dataset-financial-user-claim huggingface dataset:
I have atempts on different ocasions to get a mortgage loan modification from SLS, LLC. I submitted a loan modification through XXXX XX/XX/XXXX and I received no response from SLS, LLC. Once again I attempted to file another loan modification on my own, I sent all the documents that SLS, LLC requested and I did not get a response. XX/XX/XXXX I filed another loan modification through XXXX with no response from SLS, LLC. I received letters from SLS, LLC stating that I was assigned a representative but every time I would call SLS, LLC I would get a different person that offered very little assistance if any at all. 
Since I was not able to get a loan modification SLS, LLC started to foreclose on my home. I had to hire an attorney and file chapter XXXX bankruptcy. I now pay {$2000.00} for my mortgage and another {$1200.00} to a trustee for 60 months. I have been paying this since XX/XX/XXXX and these payments have put a financial strain on me.
In XX/XX/XXXX through XX/XX/XXXX, I was contacted my Navient student loans demanding that I pay $ 500- {$600.00} a month student loans. I explained to them that Im pursuing more advanced edication. In addition, I do not have $ 500- {$600.00} to pay on student loans a month. I asked if there were other options for paying at a lower the monthly rate, but I was told no. I asked about consolidation and was told they didnt service that type of service. I told them I couldnt pay that amount, but I would try to pay something. I was told to pay the monthly amount or no other payments would be accepted and that this would go on my credit report. I was upset and still am to this day.
Due to the recent Equifax Security Breach, I checked to see if I may have been impacted and yes, I may have. I put a 90 day fraud alert on my account to keep it somewhat protected from newly credit applications under my identity.
I have a William-Sanoma Signiture Visa, it has been paid off for a few month and chose to use it at XXXX on the XXXX XXXX XXXX on XXXX and the decline a XXXX and change transaction. I called find out why and the rep could really figure it out,. I told then I did not need the card and he put me on hold for XXXX minutes and XXXX seconds. That is abusive and i believe they did it on purpose so I would hang up and not bother closing my card.
At the end of XXXX, I called Equifax. My name is XXXX XXXX. They have me linked to someone else named XXXX XXXX. I just opened my own bank account and am XXXX years old, but there are hard inquiries I've never made linked to my credit report under XXXX XXXX.
Made numerous contacts to  Trans Union  about this  XXXX   XXXX  account and submitted actual billing from this agency listing the  XXXX   XXXX   XXXX   XXXX   XXXX  as the primary payer of this account. I submitted numerous requests with proof that the bill was not mine and to no avail. I spoke with  Trans Union tod ay and my latest disputes were not listed and the most recent was   XXXX   ( cancelled  )  and redisputed in  XXXX . I submitted documents to Tamaya from special department on   XXXX   XXXX   to a wrong fax number and later sent to main  Trans Union  fax in attention to the Special Dept attn :  XXXX  : According to a  Manager at Trans Union  there are no records of these documents " ever '' been submitted. I can provide proof as far back as the last 2 years! According to  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  did not submit proper billing information to be paid. In  XXXX  I attempted  XXXX  between the  XXXX  companies when I was " somewhat '' mentally stable and it got to the point where the representatives were becoming frustrated and rude stating that I would have to pay the bill. I did not regain full mental competence until   XXXX   and tried to reach out to the company in which they refused to follow through with  XXXX  to receive payment. I do not owe this bill and believe that  XXXX   XXXX  should have removed these amount  ( s  ) from my credit reports since I would not have been able to " competently sign '' any agreements due to my mental states
On XX/XX/2017, I sent a dispute for investigations to the credit bureaus regarding an alleged debt that was mysteriously added on my credit reports without ever receiving a dunning letter. I then received a response from the credit reporting agencies the debt is accurate and if I had additional questins/concerns to contact Fair Collections & Outsourcings at their address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

On XX/XX/2017, I proceed to send Fair Collections & Outsourcings a letter requesting validation of the alleged debt they are reporting on my credit reports. On XX/XX/2017, I received a " settlement '' letter and a generic lease from them, both dated XX/XX/2017. 

On XX/XX/2017, I filed a complaint with CFPB, and received a response from Fair Collections & Outsourcings on XX/XX/2017 stating that they do not own the debt and that the original creditor does. 

On XX/XX/2017 at XXXX, I contacted the alleged original creditor that they are reporting as XXXX at XXXX, I googled the company. I spoke to XXXX who stated that she did not have an employee number. XXXX stated that she did not have any information with my name and last XXXX of my social which I provided to her. She then provided me with the number XXXX stating to contact the number which is for " former resident of XXXX ''. 

On XX/XX/2017 at XXXX, I called the number XXXX, a recording came on stated that : " due to high call volumes, they recommend to email them or leave a message ''. I then proceeded to leave a message saying that the message is for XXXX and to contact me. 

On XX/XX/2017 at XXXX, I received a call from XXXX and the representative stated that her name is XXXX XXXX from Fair Collections & Outsourcings and it is an attempted to collect a debt and returning my call, and continued to ask how would i like to make a payment? I informed her that I did not request for them to call me so I am unaware on where she would get the idea to contact me when I specifically sent a certified letter to them on XX/XX/2017 stating to not contact me via telephone and to mail me out the validation of this alleged debt. I also requested that she send me legal documents showing that she and her company are indeed authorized to collect on this alleged debt that they have not been able to validate and stated that they do not own. She got agitated and raised her voice stating that she does not have to provide me with any documents that shows that she is authorized to collect on this uncollectable debt. 

In their response letter to my previous complaint, they stated that they did not respond to my validation letter because the account was " verified '' and I am in the mistaken belief that they own the debt. Their exact wording was : " As the account had been previously been verified and the consumer requested no further contact, a response was not made to the XX/XX/2017 letter. ''
I pay this account every month on the XXXX, I have receipts through my checking account, They put it on my credit report anyway.
Navient has a underhanded tactic of pointing me in the direction of forbearence rather than more affordable repayment options. Forcing me to pay more in the long run and never mentioning I have options that will work with my salary. They stated I missed payments in XX/XX/XXXX, when I did not XXXX until XX/XX/XXXX. They have ruined my credit and continue to steal money from me.
Called all of my family members they could find and gave them a number that is no longer in service. When I did receive there call personally they told me they were going to sue me for debt that I do n't owe and which is probably ten years old. They refused to take my lawyers information or give me any information to contact them.
Again have n't answered my question.. 
Are you connected to Banko Santander that failed the Federal Reserve stress test? 
Are you the company that lost a class action suit for repossessing american soldiers autos when they were XXXX? 
Are you the company who lost a class action suit in regard to securities? I have made a XX/XX/XXXX payment for monthly payment partial payment and late fees ... please applt appropiatly ie ... DO Not apply partial /late fees to interest want to know how many loan companies you have in U.S.A .
on X/XX/2017, i personally went into suntrust branch at XXXX, TN to open a business account with my ID, they told me i qualified for a promotion of {$200.00} bonus if deposit XXXX total within 30 days ( which i did, you can see from statement attached ), shortly after, i received my debit card and bank statement, without anyone notifying me or give me courtsey phone call or email, suntrust claimed fraud issue and closed my account, it caused me stress and inconvenience, not mentioning i wasted 1 hour at the branch epening the account. When i contacted suntrust for an explaination, they said they can not tell me reason but said decision is final. While i understand suntrust has the right to close my account, i do not appreciate the lacking of common courtsey calling me to let me know. This was my 1st time ever with suntrust, and poor customer service left a bad taste. I wont recommend them to anyone.
Someone tried to open credit accounts in my name. Once I found out, I contacted all the credit bureaus in which the inquiries were created and started a formal dispute. Equifax would not remove inquiries and stated they were accurate and for me to contact the companies that initiated the inquiry. In turn, I sent certified letters to each company which was a total of 12. Out of those 12 I received 4 responses that stated they had no record of the inquiry. I resubmitted my dispute with Equifax along with the letters from the companies as well as my certified tickets showing the other companies received my dispute and did not respond in 30 days. Equifax still would not remove these inquiries ; however, the other 2 bureaus did after my first dispute. I spoke to several Equifax agents and received no follow up. This has been going on since XX/XX/XXXX and I assumed if the other 2 bureaus had the information that these inquiries were not made by me Equifax would have access to this as well. I do not feel that my dispute was properly investigated and am extremely disappointed.
I have contacted Equifax advising them of fraudulent accounts on my credit report for the last two months. They have screwed up my report twice by having my name spelled incorrectly. On XXXX XXXX I had a report where my accounts I disputed were removed then on XXXX XXXX all the accounts were added back on and even my name was spelled wrong again. They never sent me a notification within 5 days which is a violation that the accounts was going to be added back. I called and they told me I needed a police report with the accounts listed that was fraud. I filed police report with accounts on there that needed to be removed. I called spoke to XXXX and he was very rude not compassionate about someone stealing my idenity he stated i needed a police report with a officers signature. Which is incorrect because they do n't sign police reports. I have sent everytging to prove im me and they still will not block the fraud accounts which they added back to the account after it was already removed
Grant & Weber ( a collection agency ) is reporting on my XXXX, XXXX  and XXXX XXXX credit reports that I have a negative unpaid account charge in the amount of {$52.00} originating from the original creditor XXXX XXXX XXXX XXXX XXXX. However, I do not owe anything, as I already paid to the creditor XXXX XXXX XXXX XXXX XXXX the original amount owed -- {$50.00}. 
I have a copy of the check ( check # XXXX ) which I will upload here that was already paid to XXXX XXXX XXXX XXXX XXXX for account # XXXX. It shows clearly that {$50.00} was paid for this account, leaving a XXXX balance owed.
ON XX/XX/XXXX I contacted customer service to inquire about my bill. I received my bill and it showed the fee that was charged for negotiating one of their offers. The issue I found was that they charged me 24.24 % for this transaction. I wrote a check to myself so that I could pay multiple bills that I had. The check I used was for the promotion that they offered for 1.99 % until XXXX. Offer ID XXXX. The gentleman I spoke to indicated that my letter indicated that the check could not be written to myself. I explained to him that my letter did not indicate that. I offered to fax him a copy of my letter but he said to go to a local branch. A couple of days late r I went to the XXXX XXXX and spoke to XXXX and he called on my behalf. He looked over the paperwork I gave him and could not find anywhere on that letter anything stating what they had told me. I told him that I felt it was deceptive and they made no attempts to appease me in any way. I told them that I was going to return the check and that I would like my fees removed. The offfer that they gave me is not what I wanted.
On the XXXX XXXX XXXX I received a letter from Capital One notifying me that my credit card account was due to be closed because it 's activity was not consistent with the expectations for account usage. Therefore, I called their customer success team to ascertain the grounds for its closure. I spoke with one of their supervisors to obtain more information about the reason for closing my account. She explained that despite the account having regular manual payments made, multiple times a month. The account was being closed due to a couple of automatic payments being returned and the account would be closed. To date I have not been late for a single payment nor have I exceeded my credit limit since opening the account and it has been in excellent standing. I explained that the automatic payments had not gone through because I had not updated my bank settings after changing banks recently and had been making manual payments, this was the reason for the returned automated payments. 

Throughout the conversation I asked her if this was a permanent decision and would she be able to re-open the account given that payments had always been made, and covered minimum monthly payments adequately. She was unable to offer any assistance and was rude throughout the conversation telling me she was not a credit advisor and could not help my situation - quite patronizing to say the least. When I then went on to ask exactly how the " closed account '' decision would be passed on to my credit agencies, she was unable to tell me the classification that Capital One would give for the closure. This is clearly an important piece of information for me as the account was not delinquent or behind in payments. I feel very unfairly treated in this situation as the closure both impacts my credit score and future ability to build credit. 

As an XXXX from the XXXX coming to the XXXX I have been diligently establishing my credit rating and credit history with Capital One. I am really disappointed that their decision to close my account could potentially impact my new credit rating here. In addition, I now can not use their line of credit to build and improve my overall credit rating. 

I am requesting that they reconsider the decision to close my account and keep it open in light of the frequent cleared payments and good standing of my account. Returned automated payments should not constitute grounds for closure given the good standing of my account and I should have first had the opportunity to update my bank payment details to correct this issue. I have also requested a full explanation as to why my account is being closed including citation of any breach of terms and conditions along with an explanations of the potential impact to my credit report, given in terms of how Capital One will report this closed account status to them. 

I hope you are able to assist in the matter and offer any help and advice if at all possible.
I have contacted repeatedly by creditors trying to collect debts owed by ex son in law, XXXX XXXX XXXX, XXXX XXXX is purposely giving my phone number out as his. XXXX is currently XXXX. XXXX is purposely giving my number out to harass my family.
I have been receiving emails and phone calls stating they want to talk with me or my attorney. I spoke with XXXX representative and she stated it was for a pay day loan. I have never taken out a payday loan. They have called all my family members and when I ask for anything in writing they state they can only email.
There were XXXX charges to my sams master card synchrony bank card that I did not authorize. 
XXXX for {$57.00} and XXXX for {$29.00} on XXXX and XXXX to the sams .com name .. Cancelled card and are waiting new card.These charges still remain on my account. Not happy with the way this is being handled.They are very slow.When this has happened before with other cards there was a quick resolution.Very agrivating dealing with synchrony bank
REPORTED DF address is Attn : Research Dept XXXX XXXX XXXX XXXX, XXXX XXXX, however as you see in the included image photo the alleged creditor XXXX XXXX XXXX, XXXX. failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY as the " returned letter '' states in clarity " Return to sender NO LONGER AT ADDRESS ''. How is this not misleading or even deceptive reporting practices? Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT!
I reached an agreement with Allied International Credit to pay on a XXXX student loan. The agreed upon amount was {$300.00} per month and began in XX/XX/XXXX. I set up this amount to pay to AIC via the " bill pay '' service offered by my bank. This amount was paid every month. 

I contacted AIC in XXXX to request an accounting of payments and amount remaining on the account. AIC told me that XXXX had " recalled '' the account in early XX/XX/XXXX. Neither AIC nor XXXX informed me that the account had been " recalled '' and the AIC CSR said neither was required to do so. I contacted XXXX who verified that it had recalled the account in early XXXX. However, since I was unaware that the account had been recalled, the automatic bill payment continued on XX/XX/XXXX, and XX/XX/XXXX. I have been attempting to get AIC to return to me the {$600.00} overpayment. AIC claims their accounts do n't show any payment, which I believe to be a lie. I provided documentation to AIC proving that XXXX {$300.00} bill payments were made to AIC after XXXX recalled my account and now AIC and its CSRs wo n't answer or return my calls.
THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH.   XXXX   XXXX   HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!
XXXX and Equifax refuse to take a bad credit line off while XXXX XXXX did. The trade line is XXXX Bank. This is over 7 years old and needs to come off. My disputes with them have not resulted in any action.
Dear Sir or Madam, Im contacting you to request assistance with the release of funds paid by my flood insurance carrier to repair damages to my home from a flood in XXXX 2016. My home at - Louisiana was severely damaged by flooding. I do have an existing mortgage held by Specialized Loan Servicing ( loan # ) that are holding funds needed to repair the home.The mortgage company has required the funds to be managed by XXXX. I have had continued resistance with the service and now after a year and four months they have halted disbursement of any funds again with another excuse.I find it frustrating to get a different story on wether they will issue funds every time I call. 
XXXX issued two checks totaling roughly 23,000 in XXXX for materials and work done.They now say they dont have the adjusters reports to match the amount of money they are holding. They state the report they have is for XXXX but the checks total XXXX. They will not issue any funds even though I have provided the required documentation and receipts for material and labor.They also refuse to advance any funds to me unless I finance the materials and or labor first. 
There seems to be every effort to force me into further hardship if not default. I have just been notified that FEMA is requiring we vacate the temporary housing they placed on the property and now Im getting further resistance on funds paid to repair my home. I do not understand how the home owner is denied any right to funds paid by insurance the home owner pays for. I have been asked to finance the rebuilding of a home when the mortgage company sits on the insurance money. 
I dont expect the mortgage company to release the entire insurance check. I do think however it is reasonable to issue a portion of the funds that can be accounted for with receipts as used.As it stands I now have a material provider that has provided all documents including lien waivers but has not been paid by the mortgage company. They are willing and able to file liens for said materials. Ironically the mortgage refused to issue funds to anyone without lien waiver and its the mortgage company defaulting on payment. 
As it stands now I feel I will need legal representation if I am to repair my home. I have included the initial letter I wrote to my mortgage company last XXXX as well as documentation they have as per their website.Thank you for any assistance you may give in this matter. 



Thankyou, XXXX
My credit card was shut down without warning. It is an expensive card that I specifically purchased so could have access to airline lounges and collect frequent flier miles. There was a bonus of XXXX miles if I spent a certain amount. I called to see why I was shut down as I had paid in full ( and early ). I was told they could not give me any information while they investigated. I called the next day and was told it was an identity issue. I was asked to fax my license, social security and a bill with my address on it, which I did. I called the next day to get an update on the status and I was told I needed to add the back of the license and social security card, and only a utility bill would do. I refaxed all of those documents. I called back to see if it could be turned back on as I have travel I need to book, but was told that what I had provided was inadequate and there is an ongoing investigation into my identity and I needed to just wait. I asked if I could provide them with anything more and was told no.
XX/XX/2014 I received an unsecured loan from Navy federal. I was currently XXXX XXXX XXXX at the time. Due to the XXXX interfering with my pay ( i.e collecting money that wasnt owed, missing paychecks ) I had trouble paying the loan off. It became a charge off but it is definitely PAID off now.