WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX sold our Mortgage to Freedom Mortgage, and did not notify us. All payments submitted to XXXX XXXX have not been transferred to Freedom Mortgage, nor have they been returned to us. This is the XXXX time the mortgage has passed different hands within the last 12 months. The XXXX XXXX mortgage companies did not have my telephone number, nor did they have the correct address. 

Mortgage Payments were sent to XXXX, for the months of : XX/XX/XXXX ( Forwarded to Freedom ) XX/XX/XXXX ( Forwarded to Freedom ) XX/XX/XXXX ( Not forwarded, and not returned to borrow, and not rejected ) XX/XX/XXXX ( Rejected by XXXX ) XXXX, the XXXX lender, had sent us notification that our mortgage would be changing hands to XXXX, to the correct mailing address. However, later no correspondence was received from XXXX XXXX or Freedom Mortgage. 

We found out of this change, after our payment was rejected by XXXX XXXX, and I viewed my credit report to find Freedom Mortgage. XXXX XXXX is now claiming they do not have our payment for XX/XX/XXXX, however, we have bank transaction records stating the XX/XX/XXXX payment was accepted by XXXX XXXX, and never returned back to us.
I asked to have all non-holding inquires removed off my credit report due to the fact that I did n't not give my permission to have my credit report ran, I request to removed them and send me an updated report showing they have been removed, and a lot of the inquires are on the same day from a car lot that I have never been to or talk with anyone that works there
I withdrew {$100.00} from an ATM on XXXX/XXXX/2015 at approximately XXXX. The money jammed as it was dispensed however, and I only received {$80.00}.
My HELOC with Citibank XXXX is not being reported correctly. I filed for bankruptcy in XXXX and it was withdrawn. I refiled in XXXX and it was fully discharged on XX/XX/XXXX. I emailed all supporting paperwork to Citibank with my account number. I reaffirmed this loan both times at it was not part of the bankruptcy. I am current on this loan. 

Citi has old info and is reporting it as a bankruptcy with a derogatory on my XXXX Credit Report. They also stopped the auto deduct so they could stop giving me the quarter point discount for auto pay. They claim " that it does not matter to Citibank if you reaffirm or do not include your HELOC, if you file for bankruptcy, they will treat it as a bankruptcy on their loan. The inital HELOC agreement I signed does not give them the authority to do this unless I default, which I did not. I have been told that the bankruptcy department does not speak with ANYONE and they can only send messages to them.
I recently pulled my credit report from Transunion and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Transunion and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With XXXX continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.
XXXX XXXX- XXXX is reporting an erroneous balance, continuously updating monthly and damaging my credit. 
I settled and paid this debt in XX/XX/2018 for half of the balance, yet they continue to update and report a balance. I have contacted my attorney and and prepared to file legal action.
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed Equifax and XXXX  that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry
I have had literally a series of unfortunate events from loss of job, eviction and then being hit head on by another driver on top of fighting XXXX. I have tried to explain this to Khols and each time they claim they understand and then try to collect payment that I unfortunately just do not have at this time which also makes me sad. Since XX/XX/2018 they have called 38 times and Im sure they will call again multiple times today. It is extremely stressful battling everything that I am and not only causing XXXX but making XXXX flare.
This account was including in my chapter XXXX bk. The payments have been made and the bk is discharged. The debt buyer will not release the lien against my property as such I cant sell, refi, or repair my home.
ON XX/XX/XXXX I TRIED TO GET A FREE CREDIT REPORT FROM EXPERIAN CREDIT REPORT ONLINE. AFTER NOT GETTING WHAT I WAS EXPECTING I TRIED TO LOG IN TO THEIR COMPANY. NO LUCK. ON XX/XX/XXXX MY CREDIT CARD WITH XXXX VISA WAS CHARGED WITH A {$1.00} CHARGE SHOWING EXPERIAN CREDIT REPORT AND HAS A NUMBER OF XXXX XXXX. THEN ON XX/XX/XXXX I SEE ANOTHER CHARGE ON MY VISA CARD {$21.00} FOR WHICH DIDN'T AUTHORIZE NUMBER XXXX XXXX. 
AFTER SEEING THIS I REPORTED TO XXXX  XXXX XXXX USING THE PHONE NUMBER ON THE BACK OF THE CARD XXXX, I DID THIS ONE ON XX/XX/XXXX WITH A REP. IN UTAH. THEY SAID THEY WOULD FILE THE DISPUTE. THEN I WOULD GET LETER. THNE I GOT THE LETTER SAYING THE {$1.00} HAD BEED CREDITED TO MY ACCOUNT, IN WHICH IT DID. 
THEN AS FAR AS THE {$21.00} IT WAS DISPUTED BY THEM AND I WOULD RECIEVE A LETTER BACK. 
NOW ON XX/XX/XXXX ANOTHER {$21.00} HAS SHOWED UP ON MY VISA ACCOUNT WHICH I HAVE NOT AUTHORIZED AGAIN. AND ON XX/XX/XXXX I HAVE DISPUTED THIS TO XXXX XXXX XXXX AGAIN, A DISPUTE WAS FILED, I WANTED TO FREEZE MY VISA SO I AND EXPERIAN OR ANYONE ELSE COULDN'T CHARGE ME WITH ANYOTHER CHARGES. 
ON ALL OCCAISIONS I HAVE TRIED TO CALL EXPERIAN TO TALK TO A REPRESENTAIVE TO STOP ALL THE CHARGES AGAINST ME. BUT NO LUCK. ESTIMATED 10 OR MORE DIFFERENT NUMBER WERE TRIED. YOU COULDN'T GET AROUND TO SPEAK TO NO ONE. 
ALL I WANT IS TO GET THE MONIES REFUNDED TO THE CARD. AND THEN FOR EXPERIAN TO JUST LEAVE ME ALONE. 
THIS THE XXXX DAY OF XXXX, 2018. 


I WOULD APPRECIATE ANY HELP. THE XXXX  HAS NUMEROUS COMPLAINTS AGAINST EXPERIAN. 

I'LL HOPEFULLY KNOW BETTER NEXT TIME I WANT A CREDIT REPORT.
My Issue is with NAVIENT : They are a complete scam! 
I have a consolidated Parent Plus Loan. I would like to pay quicker by making extra payments or changing the terms ( when they got loan from XXXX XXXX they put me in what I think is like a 30 year term .. without communicating it to me ) Now, their terms jump from 120 payments to 300 payments .. nothing in between ..really no 180 payments? They have the pay as you earn and such, but I do n't qualify ( because I am a parent ) I called to ask them to apply the excess payment to my principal. I was told that I needed to send a note requesting that with my monthly check. I explained that I pay my bills online, I was told they needed request in writing ... then as instructed requested in writing that my extra payment be applied to the principal NOT interest or to the upcoming payment. My letter was ignored, I sent another.. again ignored bunch of letters later ... I called again.. they verified that they had received my instructions ... yet my extra payment is applied to following month! Even tough I pay regularly the same amount ( {$50.00} above my scheduled payment ) there are string of months when NOTHING goes to lower my principal. Even when they do apply something to principal, it is a fraction and it is always a different amount that has no logic ( it could be more than last month, or it could be less or it could be nothing!! ) Never had a loan like this!! THIS IS A NEVER ENDING LOAN! I pay and pay and owe basically the same principal! I have paid my car loan, my mortgage ... they are mathematically calculated based on a formula ... WHAT IS NAVIENT 's formula? Now I am a grown ( old ) woman with experience dealing with loans, credit cards, mortgages, even do my own taxes .. Can only imagine the what they do to these poor kids just out of college. Navient also does not honor their agreements ... they tell you one thing, then they do another. I agreed in XX/XX/XXXX to 15 years, verified payment amount .. then get letter with different info, longer term, lower payment!!
XXXX XXXX  gave me a credit card if I bought a new XXXX XXXX phone which I did not want. Now they are dunning me for payment. I put the purchase in dispute and answered their questions but XXXX refused to take back the phone claiming it was too late to be returned but it was not suitable for me to have it. Now, I reported this to Transunion and they never put it on my report that this charge is in dispute and are dunning me for payments for XXXX XXXX. So the two of them are doing this telling me how my score is lowered but if you return a thing to XXXX, I should not be charged for the purchase. I returned my XXXX XXXX  to you to return to them. 
I did not want the phone but XXXX insisted I buy it to please XXXX. 
It did not work right in the beginning and overheated. i just wanted XXXX to take it back. XXXX refused to take it back but i did not have it that long. The Transition  still refuses to put this on my report that this charge is in dispute and keeps asking me to pay XXXX when it is in dispute. 
The Transunion is supposed to put that on my credit card that this charge is in dispute but refuses to do so.
On XX/XX/2019 I made a payment arrangement to double pay for vehicle on XX/XX/2019 with my account manager XXXX XXXX and explained to him that I wouldn't be able to make the payment of XXXX but I would be able to make the payment of XXXX which was due on XX/XX/2019 and he refused to take payment and stated I owed a payment of XXXX and we got into a dispute about the amount and asked to speak with a supervisor and never received a call back until I was woke up on XX/XX/2019 by the repo starting I owe XXXX
I took out a loan on or about XX/XX/18 in the amount of XXXX dollars. I have been making bi weekly payments on it on my due date in the amount of XXXX. I asked to skip 1 payment and I was granted it. Then I asked for a payoff amount on XX/XX/18 which resulted in the amount of XXXX. That is a ton of money given that I have been making payments on this since XXXX. I feel as if my amount requested and the amount I have been paying has not made a dent in the my loan. I am underwater here and trying to make it work out. I don't believe it is right for them to have to charge me such a high finance rate and almost triple the amount owed if I make the correct amount of payments on it. I can not find my loan number on my agreement either.
I had roughly 35 fraudulent transactions on my debit card in a very short amount of time. These transactions happened on XX/XX/18. I called the same day as these transactions occurred to report them as fraudulent. Chase bank said they performed a thorough review of my account and denied the claim because the person who stole the card had my pin number. I also had my phone stolen the same day. Chase bank somehow let the thief log into my account and change the maximum amount allowed per day from {$500.00}. 
The amount of the transactions totaled roughly {$11000.00} almost all of it in cash. I have been a Chase customer for 20+ years and never once asked for a raise in my cash per limit. My Chase account has a different password than my pin number.
On my loan account on AESSuccess.org, there is no information that I can access to check my loan balance month over month or even access this month 's loan balance. This is deceptive and makes it impossible for me to keep track of my loans and make sure that AES is not adding in fees or can be held accountable.
CITI CARD IS REFUSING TO HELP WITH A VERY WELL DOCUMENTED OVER-BILLING for {$250.00} on a 2-night Hotel stay - for XX/XX/XXXX-XX/XX/XXXX. The proof of prepayment to the 3rd part hotel site- XXXX ( similar to XXXX ) is attached. The XXXX hotel has also received 3 disputes letter from us since XX/XX/XXXX about the surprise {$250.00} charge after our stay and is also dishonest. 

XX/XX/XXXX Dear Citi Card Re : Customer Disputes, There is a problem with our charge for {$250.00} on our XXXX that ends in XXXX For the XXXX XXXX XXXX XXXX, VA. 

The hotel reservation was PRE-PAID on XX/XX/XXXX on a 3rd party site called XXXX, for {$250.00} on A DIFFERENT XXXX CARD THAT ENDS in XXXX. ( PROOF w/ a copy of our XXXX XXXX XXXX statement for the payment for the hotel to XXXX is attached. Upon Check in the hotel took our XXXX that ends in XXXX. 
For incidentals only, including the pet fee of {$30.00} for our XXXX XXXX XXXX XXXX. 

About a week later, after noticing a fraudulent charge for {$250.00} on my XXXX XXXX that ends in XXXX which is a second charge in addition to the {$32.00} incidentals charge, I wrote to the Hotel XXXX XXXX XXXX on XX/XX/XXXX and notified them of their mistake with the charge on our XXXX for {$250.00} because we had pre-paid, and we never signed an agreement or obligated ourselves to a double payment for our 2-night stay. They agreed when we checked in that we had PRE-PAID. 
- They never responded. 
- On XX/XX/XXXX I sent a second letter regarding the dispute for the fraudulent charge for {$250.00} after our stay and demanded a refund. This time I sent a letter to the XXXX XXXX XXXX. 
- Today, XX/XX/XXXX I received a letter, only 1 month later, making the false claim that they charged us the {$250.00} for the pet fee which were already paid. They falsely claim that our dog had fleas, which he does not. 
- They are lying and deceitful. I attached proof that our dog takes a flea and tick preventative monthly. 
Dear XXXX, please credit our account in full for the fraudulent charge for {$250.00} form the XXXX XXXX XXXX immediately as they are deceitful. 
To XXXX XXXX XXXX, ccd in this letter, our report will also be for the Better Business Bureau of XXXX, XXXX and all of the social media sites to educate people on how crocked your hotel is. 
Unless you can come clean by next Wednesday, XX/XX/XXXX when we file complaints against you to harm others that your hotel is crooked. 

CITI CARD : Please update me in writing and as soon as possible on this dispute for {$250.00} immediately. ( TO BE CLEAR THAT {$250.00} for XXXX XXXX charged by them fraudulently as a second payment on a 2- night stay- on our CITI XXXX that ends is XXXX must be refunded ). 

Thanks and Regards, - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX, Va XXXX PROOF OF DOUBLE PAYMENT IS ATTACHED.
An account I opened while I was in college. Found out I had a balance on the card. I immediate paid the debt and it 's being reported on my credit report as derogatory. PayPal credit card. Tried numerous times to get it off. But still remains. When I made the payment I was told ones that was done all the negative reporting including derogatory mark will come off. Since the payment I have disputed and disputed and still nothing. My biggest mistake was that I did n't get it in writing. I trusted them to remove the mark.
As XXXX XXXX,  Bank of America provided me with a Platinum Tier checking account for no charge. After I XXXX, I received no notice of a $ XXXX monthly charge that would begin to be assessed or the opportunity to change my rewards tier or close the account. I have called Bank of America customer service, and they continue to refuse to refund all of the fees. They have only refunded one month.
I asked Equifax Of my payment history dating from now until 2007 for creditor XXXX and Equifax or XXXX can not provide me with my payment history dating back to 2007 the beginning of my loan
I disputed items on my credit file with  XXXX  Credit bureau, and as a result of their investigation, it revealed they verified the items disputed to be valid. I requested the information used to validate the debts, and I have yet to receive the requested information and after a second request to resolve the dispute the response I received from the reporting agency was, " they have told me previously they validated the reporting information and will not investigate further nor will they provide me with the documentation they used to validate the information.
I been doing everything in my hands to solve the burden of my property for the past XXXX months with my lender. I did applied for a modification, I was denied, I did tried to do a shortsale with the help of a Real Estate Agent, this option was denied, Now I trying to sell the property as a regular sale. but the lender is not whiling to provide me with an extension to complete this process. My XXXX XXXX XXXX XXXX  my XXXX and XXXX of my XXXX, all being XXXX XXXX. This repulsive behavior resulted in criminal charges, I also requested to the court to obtaining a Quit Claim Deed or a Power of Attorney authorized to sell the property, but my XXXX XXXX on title, XXXX XXXX declined the request. Due to the attenuant circumstances my real estate agent requested a petition from the court to obtain a quiet title. This process would take several days or additional weeks. I been in requesting additional time to my lender, without a successful petition.
original complaint # XXXX was against Ocwen/XXXX.Closed. Never resolved or finalized. Denied they were XXXX XXXX. 
XXXX, 2017 XXXX XXXX foreclosed. Committed several infractions. Sent all communication and suit papers to XXXX XXXX, XXXX who was not my attorney, Day after sale padlocked house while I was out of town. Title and monies were not even transferred to XXXX XXXX. XXXX confiscate all my furniture, goods etc. I 've made several attempts to contact XXXX, XXXX XXXX and XXXX to no avail.They illegally seized my property, attached fees and insurance costs to the lien. 
They provided no Ejectment notice, No eviction notice, No statutory redemption offer and No court order to vacate. All my belongings valued over {$7000.00} are due and payable now. 
Please forward to : XXXX XXXX Deputy Assistant Director Office of Legislative Affairs Consumer Financial Protection Bureau who is aware of the dilemma and corresponding with Senator XXXX XXXX 's office. Than you and please advise
XXXXXXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
I never opened the card and reported it a lot of times to the bank, they still keep sending me bills and reported on i a credit bureau.
Someone fraudulently applied to Amazon/Chase Bank for a credit card against my Chase account. On XX/XX/XXXX Chase ran a credit check, then approved an Amazon Visa credit card. XXXX notified me of the credit check. I called Chase,, they deleted the card before any charges were accepted. The only personal data breach I can recall is the XXXX issue regarding XXXX accounts that they reported compromised some months ago.
Forced to take predatory loan right after XXXX XXXX for small XXXX foot camper for emergency shelter. Attempts to get loan modification ignored. Gave it back to them as a voluntary repo. BOA doubled down and demanding even more money than was owed before and wanting it all at once, immediately, or else. Attempts to contact the loan officer who is never there. Calls from boa never reference any letters I have written, they just try to pump me for information, obviously reading from a script and will not deviate.
XXXX XXXX XXXX claim that notification was sent to an address that was and address that was a temporary that I had n't use for 3 years, even though they had my correct address. XXXX XXXX XXXX XXXX XXXX went in front of XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with out notifying me and lied to the Judge that he was suiting me for XXXX XXXX Bank alleging I owed XXXX XXXX Bank {$17000.00}, XXXX XXXX believed XXXX XXXX XXXX lie and awarded his a judgement, I was not made aware of this until I went to sale my home on XX/XX/XXXX, I hired and attorney XXXX XXXX of XXXX, GA who arrested on or about XX/XX/XXXX for doing the same thing that XXXX XXXX XXXX does collect checks supposedly for some XXXX else but depositing in he account. Attorney supposedly sent a letter to XXXX XXXX XXXX informing him that instead of me paying him {$17000.00}, I agreed to pay him {$5000.00}, after approx 4 days XXXX XXXX got back with me and informed me that XXXX claimed that XXXX XXXX Bank authorized him to settle for {$11000.00}, because I was leaving to live in the XXXX in I short while I went for it. Then later on I requested a copy of the check ( copy attached ) and noted that it had been deposited in XXXX 's account, I emailed a copy of the check and a letter ( copy attached ) to XXXX requesting a receipt from XXXX XXXX Bank and the statues of and balance of the account. He sent an email to XXXX XXXX but he did not reply to me I emailed XXXX XXXX and got no reply, I requested a friend stop by XXXX XXXX office to see why he did not reply, this friend informed my of XXXX XXXX 's arrest. I am a XXXX service connected Veteran that was unexpected terminated from my Federal employment because this condition that I could not get the VA to address, this caused me to have to go to private doctors for treatment, now I still have medical bills that I expected to use the proceeds from the sale of my home to pay them down. I can not understand how some one can lie to a judge take my proceeds and still lie about it and not give me a receipt from XXXX XXXX Bank because he states he can not talk to me because XXXX XXXX is my representative I do n't think I need to talk to to him to get what I requested.
We are working with a local Bank here in XXXX, Wyoming to get our Interest Rate lowered and the Bank submitted a Title check of our Loan and found that the previous Mortage Holder of our Loan ( XXXX ) that went Bankrupt during 2008 the loan was acquired by Bank Of America and has us with the Inital Loan not being eliminated.
I have sams club master card.I have XXXX stores and all seperate sams club master card.Every week we buy from sams club and pay off.I have {$15000.00} credit limit and every week I buy more than {$12000.00} cigarettes and grocery for my store. Synchrony bank said every week you are paying is unusual payment activity and they close my all three account and he fortified my more than {$7000.00} rewards, I called couple of time he said open new account, I said I dont want to open new account because may be you close account again and you fortified my rewards, I told sams club manager XXXX, XXXX and he tried to open my account but Synchrony bank said no more rewards, so If they closing my account I have no problems but I need my rewards back because it is allmost {$7000.00}
I sold a product on eBay that was fully described as " for parts, not working '' at least four times. The specific defect was the XXXX. The buyer made a complaint to eBay that the XXXX was not functional and wanted to return the product. I declined. eBay made a determination that I had misrepresented the condition of the item as I included the phrase " BAD XXXX. Apart from this, the calculator appears to be fully functional and is in good condition ''. eBay asserts that i misled the buyer even though the buyers sole complaint is the XXXX is non-functional. 

eBay chose to decide in the buyer 's favor even though they did not give me an opportunity to provide evidence to contest the buyers multiple false claims. 

And this is where I would ask the the CPB investigate. PayPal debited my account {$19.00} without any knowledge of the claim submitted by the buyer. I content that PayPal does not have the authority to debit my account with giving me a full opportunity to present my case that the funds not be debited much as they would do in a typical merchant dispute