WillisBack/dataset-financial-user-claim huggingface dataset:
I have applied for a mortgage to refinance my current balloon 1 year loan which is due XX/XX/XXXX. My new loan is ready to close and my lender is unable to obtain a payoff demand from the current Service company XXXX XXXX XXXX. My loan # is XXXX, on XX/XX/XXXX I signed a borrowers authorization to release the payoff and it was sent to FCI on 3 different dates, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and again today XX/XX/XXXX at XXXX. When my lender called they said title tried to order, and they have my lenders request but the name on the borrowers authorization is not correct so they wont allow the request. They are having them send a 4th request and said it would take another 7 days to process. My lenders legal name is on the authorization that I signed, XXXX XXXX XXXX, I need them to release it to my lender ASAP so I do not lose my locked interest rate. I keep getting calls from XXXX hounding me to do the loan with them ( XXXX has FCI service the loan for them ). and feel this is why they are delaying and possibly putting me in a financial loss. Please help make them release the payoff demand so I can obtain a fixed rate 30 year loan.
I have a pension plan with XXXX XXXX that is administered by Meril Lynch. Recently I was downsized and need the money to live on, but Meril Lynch has delayed the disbursement of funds for months. The required paperwork I supplied to them was properly notarized, then they claimed that it needed a notary seal and they wanted my passport or certificate to verify that I am not a minor .... Obviously, the papers I sent them were notarized properly by my banker and they do not need any proof of my age, because they have all of my information on file from my former employer -- age, sex, SSN, birth date, etc. They say, now, the funds will be disbursed on XXXX XXXX, but I am skeptical. When I cashed out a 401k with XXXX, they disbursed the funds lightning fast, which is what leads me to believe something weird is going on with Merill Lynch.
Bank of America promised to re-open my closed account if I provide evidence from XXXX XXXX that they did not honor my check because of signature issues and not because the funds were unavailable. The evidence from XXXX is attached and it was given to Bank of America management as an email attachment since XXXX 2016. <P/>The issue I am now having is why I keep getting a bank statement for my checking account ( account # : XXXX ), but in my online account it shows that I only have a mortgage account. My checking account was supposed to be open so that I can deposit money and pay my mortgage online without coming to the bank. Can someone please reopen my account as promised? <P/>Thanks.
ON XXXX XXXX, SOMEONE CALLED MY WORK, LEFT A MESSAGE FOR ME TO CALL XXXX XXXX XXXX. THEY MADE IT CLEAR TO MY EMPLOYER THAT THEY WERE A DEBT COLLECTOR. 

WHEN I CALLED BACK, THIS PERSON WAS NOT THERE, BUT ANOTHER PERSON TALKED TO ME, VERY CONDESCENDING AND RUDE, HE NEVER TOLD ME HIS NAME. HE WANTED ME TO VERIFY PERSONAL INFORMATION, WANTED ME TO GIVE IT TO HIM, I REFUSED. HE SAID THAT I WOULD HAVE TO BE DEALT WITH THE " HARD WAY '' WHEN I ASKED WHAT THAT MEANT, WAS HE THREATENING ME, HE SAID HE WASN'T. 

I TOLD HIM TO NOT CALL MY WORK AGAIN AND HE SAID THAT HE COULD NOT STOP ANYONE IN HIS COMPANY CALLING ME. I TOLD HIM THAT I KNEW IF I ASKED FOR NO CALLS AT WORK, THE LAW SAYS THEY HAVE TO OBEY. HE AGAIN SAID HE COULD NOT STOP ANYONE. 

I BELIEVE THE COMPANY IS CALLED NCO, XXXX, Pennsylvania, United States, EVEN THOUGH HE NEVER ACTUALLY SAID SO.
Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX 's request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.
Navient reported to my credit report that the loan was past 60 days due. I have made multiple attempts to change the address they have on file to the correct address. They still keep sending my mail to my old mailing address.
I contacted XXXX in regards to my account, to check the status of the pay to delete letter I sent to them. I spoke with agent XXXX from the recovery pay debt department, at that time she told me that my debt was forgiven because the balance only consisted of fees, she also stated that the account would be deleted from all three credit bureaus but she could not tell me when the information would be updated with the credit bureaus. I disputed the info on my credit reports with the info that was provided by XXXX. I received an updated copy of my credit report and it states the info for XXXX XXXX was updated. I called them to inquire about the information XXXX provided to me and the customer service agent ( XXXX ) informed me I was given the wrong information. I asked to speak with a supervisor ( XXXX ) who confirmed that I was given the wrong information because the XXXX is a new employee.
I have contacted  XXXX  and gotten NO remlief. They are reporting  XXXX  accounts, late payments and the info on the credit file is  XXXX . I have requested the original signed contract and complete payment history They provided and I will attach it. It does NOT have the entire payment history because  XXXX  sold the account to a third party ( whom I contacted and they said they DO NOT have the payment history at the time they had possession of the account ) I submitted the proof of  XXXX  having  XXXX  accounts and making them ILLEGALLY copbined sub and unsub loans to then report them as  XXXX  loans and showing late payments without PROOF of the entire history and that IS ILLEGAL according to the FCRA!! I contactd the CRA 's and even had a RECORDED phone call with  XXXX  and  XXXX .  XXXX  ADMITTED THEY DO NOT HAVE THE COMPLETE INFO AND ARE REPORTING PARTIAL INFO AS THAT IS ALL THEY HAVE They claim it is legal for them to break the  XXXX  loans into  XXXX  and report them however they wish!!! This is and has been a battle for nearly a YEAR.  XXXX  is NOT IN COMPLIANCE with ALL credit reportinglaws and IKNOW it and are NOT doing anything to correct it as the FCRA states clearly REMOVE the account there are factual data errors on the account! It is ILLEGAL to re-age the loan ( ONLY  XXXX  LOANS ) and make them  XXXX  to report or to change or report ANYTHING they can not PROVE IN FULL!!!!! I want this account and ALL accounts reported by  XXXX  REMOVED AT ONCE!!!!! IN THE VERY PROOF  XXXX  HAS THEY SHOW THE FIRST DATE OF DELINQUENCY IS O VEr 7 YEARS OLD!!! That is grounds for IMMEDIATE removal!!!!!
I am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXX, XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
Having financial hardship after XXXX, I fell behind on my Sears Citibank credit card. When I became financially sound, I negotiated a auto payment plan with Citibank 's collection agency. 

However, after a year of auto payments, unknown predatory collection company XXXX bought the debt and demanded I pay the debt in full, or they were going to sue me. 
I called Sears Citibank and said the debt was discharged. 

XXXX harassed me for years by calling my home and work multiple times daily without providing invoices of my credit card transactions. Then, this summer I was wrongfully sued by a predatory law office XXXX who works for XXXX. 

After doing research, I discovered that these two company prey on working class citizens in Louisiana. So, I thought I was being scammed. 

Because I ignore the law suit and could not explain my case in Civil Court, the judge ruled in their favor. To make matters worst, Since my hands were tied, I spoke to XXXX at XXXX and told her I could negotiate after the Holidays. She ignore my request and started garnishing my wages for $ XXXX for a {$3500.00} initial debt. Now, I owe over {$8000.00} and counting. I am embarrassed to go to work. 

Because I can not pay all my monthly expenses ( mortgage, car, utilities, college tuition, medication for XXXX now, I my have file for bankruptcy. My credit score is almost 800.
I was on the site XXXX Which is an auction site for foreclosures that banks are trying to sell I properly setup an account I saw a property in my home town of XXXX XXXX the property address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was owned by Ocwen Mortgage to whom I had to get approved by them to end the auction at the buy it now price of XXXX XXXX dollars which they asked if I was willing to accept the property for the price with the house having extensive damage with necessary rehabilitation to live there and I agreed on the basis that I would need financing of the property price not the repairs just the price they had aggreed to end the auction with approval for financing I sent over my information gave my notice at my apartment I lived in and set up all necessary information for the closing process started packing my home and the bank Ocwen called and said so how will you be paying for the house I replied I thought that you were going to finance me they said no we are n't going to do that I said that was our agreement they said no you need to secure financing on your own they then relisted the house and left me homeless I 'm hoping something can be done about this
Hello, Transunion has me with a comment : " XXXX suppressed '' and because of this they do not release a fico score or anyt debt under Transunion. My lender needs data suppressed to be removed so they can fully disclose any debt and fico score. My loan has been locked and for two weeks I have not moved an inch without this data suppressed not able to be removed. I called over XXXX time and left messages for Fraud department at Transunion and other departments. The fraud department told me I belong to a different department something like the specialty department or something like and they transfer me there but no one calls me back there too. I do not know how to get them to call me and that is the reason I am now in need to file a complaint. I never requested any freeze or fraud guard I never even knew suppressed data was on my credit. I need this removed I need them to call me back and let me move on. It is costing me money every time I extend the lock and now the seller is very impatient and threatened to keep my deposit if if we do n't clsoe soon. please help me. I do n't know what to do. thank you
XXXX, XX/XX/XXXX and XXXX and XX/XX/XXXX. XXXX XXXX   say my payments were 120 days late and this isnt true. I have been disputing this for over a year now even XXXXXXXX XXXX  got involved and they wont budge. There was a natural disaster in XX/XX/XXXX. The rep then told me I would be on deferment until XXXX. He never notated and it caused problems. I didnt find out until XX/XX/XXXX and it made it look bad on my credit. XXXX I was attending XXXX XXXX online and withdrew in XXXX due to not having enough funds. I should have been on in in school deferment for those months yet the school forgot to report it. This is outrageous and I just want this to get cleared up with all credit beauraus. With XXXX it shows natural disaster and deferment. As of now Im on a XXXX repayment plan. Pleas help me fix this
Im submitting a complaint against Commonwealth Financial Systems, INC. in regards to a collection debt placed on my credit report at all three credit bureaus. I have been disputing this debt all year and they wont remove it and I believe this debt doesnt belong to me and it should be removed from my credit reports ASAP. 

The information they submitted to me doesnt support that the debt belongs to me. The invoice they submitted doesnt have the full explanation of benefits and on the invoice it states XXXX XXXX XXXX. 

The reason Im stating this is not my medical bill is because I have worked for the same company for XXXX years since XXXX and I have the same medical insurance since XXXX. All the claims ( XXXX ) ( XXXX. Acct XXXX ) that were submitted by XXXX XXXX XXXX at XXXX for the date of service on XXXX/XXXX/XXXX had the correct medical insurance information and was paid by my health insurance company. There are no records with my health insurance company that this medical bill was submitted to them in XXXX. 

When I contacted XXXX XXXX XXXX XXXX in regards to the original medical bill they wasnt able to provide me with any information. They only information they were able to provide was my name and that the invoice had the wrong insurance company information on it. They werent able to provide the doctors name or invoice amount. 

The representative ( XXXX XXXX with XXXX XXXX XXXX XXXX informed me that this debt was sold to XXXX XXXX XXXX and he didnt have a record of Commonwealth being the collection agency and he wasnt sure why they referred me to contact them because there was nothing they can do. 

I feel this is not fair to me because I never received a copy of the bill. Im not sure who is at fault with providing incorrect information, if its the hospital but Im suffering from it. When I spoke with Commonwealth they informed me they would not remove this from my credit report unless I pay the full {$960.00}. 

I truly believe this is not my bill because all the bills submitted for service on that day was submitted to my health insurance company and they were paid. I also asked Commonwealth why did they wait so long to report this to the credit bureaus and they stated because they just received the medical bill in XXXX XXXX. 

If data is being passed from XXXX to collection agency to collection agency their might be an error with incorrect data being reported. Please look into this issue and remove this incorrect data from my credit report because the original creditors are not able to assist me.
I wish to file a complaint and request a investigation of practices of Santander Consumer USA of Texas. This organization has no control of its representatives nor its vendors. The # of complaints regarding this bus business are beyond count and indicate a clear pattern of mistreatment of Consumers. XXXX
My XXXX XXXX charge account became slightly overdue because the bill was lost in the mail. I have an excellent credit rating - it was up to XXXX recently. As soon as the error was discovered I called XXXX XXXX and paid the bill in full ( it was only less than {$100.00}. ) But, unlike other companies, they reported me as 30 days late anyway. I was told that they would reverse this reporting and restore my rating ( which dropped by XXXX points due to their report ) but they never did. When I asked for an investigation by XXXX  I was told that XXXX XXXX confirmed me being 30 days late. I called XXXX XXXX twice and was told twice that they were very sorry and they would fix it but they never did. My near perfect credit rating has suffered dramatically due to one minor payment being a couple of weeks late. No other credit card has such a policy - especially when they can easily review my credit and see that I am credit worthy. XXXX XXXX manages to send to me sale e-mails practically every day but they never sent me an e-mail warning me that my bill was past due.
On Monday XX/XX/XXXX Chase suspended my account access. I provided them all requested personal identification information. After 30 minutes on the phone they have still failed to remove the account suspension due to me not being able to tell them which account they suspended. Im on vacation and need to go to my local branch to get it unsusoended.
I have been in contact with my Account Manager for Fay Servicing in regards to my mortgage. There have been issues previously with the account that the last account manager XXXX XXXX did n't resolve. I have been unemployed, but I have been trying to work with Fay Servicing in regards to repairing my status with the mortgage company. I informed the new account manager that I want to save my house and even went into a Forbearance/Trial Plan Agreement even though I did n't really have the money to pay the mortgage and the rest of my bills. I informed my account manager that a {$50000.00} payment was going to come from the NJ Hardest Hit Fund. They finally received the payment in last week of XX/XX/XXXX. I have other bills to pay that include the water bill and XXXX XXXX XXXX that takes preference and I was trying to make an arrangement with Fay Servicing. When I looked at statement from Fay Servicing that I received in the mail it said that on XX/XX/XXXX a total of {$38000.00} ( You must pay this amount to bring your loan current ). Now I already submitted a payment of {$1100.00} on XX/XX/XXXX to be applied to may account and I know that the {$50000.00} would cover the {$38000.00} to be my account current. Now Fay Servicing has informed me that they applied the {$50000.00} to my account, but they said that I have an outstanding balance of {$2800.00}. I know that they did n't apply the full amount to my mortgage in order to make it current.
I have been a Discover Customer with Positive Payment History since XXXX. After putting a Increase for Deposit Increase on my Secured Card that was a instant with my Authorized User that was originally XXXX XXXX XXXX XXXX which, is now XXXX XXXX XXXX  changed his name and I submitted name change documents and his bank was rejecting the Payment because the name was Primary on the Account with XXXX XXXX we have already fixed the Issue and he now has a Discover Card that I'm authorized on however during this Investigation Discover didn't allow me to make a Payment resulting in the 30 Day Late. I'm trying to better myself with a relationship with Discover to get a  unsecured card as well as, buy a House, and the removal of the Late Payment would help that that the Balance is Paid in Full. Please respond accordingly so I don't have to reach out to Discover CEO XXXX XXXX Executive Department
On XX/XX/18 I contacted Paypal about a dispute I currently had open and they didn't provide much information due to the fact the my credit card company was handling it. Shortly after at XXXX XXXX I received a email stating that I can no longer use PayPal services. Paypal is in violation of withholding confidential information as well as illegally enforcing their user agreement that has not been violated in no circumstance. I will be forwarding this information over to the State 's Attrorney General 's Office as well as the Federal Trade Commission. PayPal has a known reputations for these allegations and I will obtain legal representation regarding this case is this matter isn't resolved in a promptly manner.
i have filed a identity theft report due to multiple credit inquires on my credit report. Somebody has been trying to get credit under my name. I already have multiple cards under my name from years that i have been using. most of my cards are paid off with no balance so i dont see any reason for me to apply for more credit cards. I just received a copy of my report from XXXX and XXXX after i filed a complaint against XXXX for reporting wrongful information on my report and i noticed all these inquires. not authorized inquires in last 3 months are XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX.
This company was opened fraudulently, and I have asked them to remove themselves and have not heard back from them they must delete this listing from my report ASAP ... ..or provide proof under section 609 that validate this debt, the account was not opened by me or does it belong to me
I am co signer for my daughter student loan, we have completed forbearance and deferment and they have sold the loan a total of 5 times to different collection agencies. I am XXXX years old and can not pay this. they have harassed me calling me all hours of the night and day. I have sent correspondence to cease and desist and they still call
I received a call on my cell phone around XXXX XXXX XXXX from someone asking for my husband XXXX XXXX. Her name is XXXX XXXX and she is a representative on the behalf of XXXX XXXX XXXX. She was very rude and would not tell me what the call was about and stated that it was something regarding my husband, I asked what it was about and she refused to tell me, she was very rude and unprofessional so she ended the call because she tried to claim I was being rude to her, not true, all I was asking for was information. So she proceeded to leave a very nasty and rude voicemail on my phone stating that she would be at our house within the hour to serve my husband with papers and that someone better be here to verify that he is signing the papers and that if he wasn't home she would then go to his place of work and ask to speak to someone in the hr office about his whereabouts and that if she could not get a hold of him then basically it was a refusal to sign the paperwork and then it would be referred back to the office which is XXXX XXXX XXXX. What she did is illegal she can not act as a legal representative on this company without proof that she is legally allowed to do so and she would not provide me any further information.
Earlier I submitted a first complaint ( #  XXXX   ) aft er the response from the company ( navient ) I called them yet was given another run around. First person I spoke to appeared to be very nice and told me that the payment of {$280.00} is available for extended repayment. However, I can talk to another department and they  may l ower it even further. He transferred me and appeared that they had no idea what I was talking about nor willing to do anything at all they even refused to grant that {$280.00} payment. Then I was turned over to another person who told me to call in before the payment is due. Also I was looking through a credit report and the last I was talking to  Navient, they promised to take the delinquency off the credit report if my payment will be met, ( which it was ), however th e delinquency is still on it. Another lie and run around from navient.
On XX/XX/XXXX I sent a certified letter to Experian and XXXX   to dispute a collection that was reported on my credit report by XXXX XXXX XXXX XXXX for the amount of {$340.00}. XXXX XXXX XXXXXXXX XXXX started reporting it to Experian and XXXX  XX/XX/XXXX. I have challenge the accuracy of the dispute with Experian and XXXX. XXXX has followed my request to delete the collection off my credit report. Experian sent me a letter reapplying back to me as a valid debt. I have requested in my letter to them the accuracy of this account and to show me documentation of the debt and my signature on any contract. They have not provided me anything show that the debt belongs to me. I have talken to XXXXXXXX XXXX XXXX XXXX over the phone about the debt on XX/XX/XXXX at XXXX again as to what they have for proof that the debt belongs to me and the dispute department has no proof it belongs to me. So how can Experian say that the collection is Valid, accurated and has been Verified.