WillisBack/dataset-financial-user-claim huggingface dataset:
Started XX/XX/XXXX to XXXX XXXX Tried to get my loan reduced or removed. This company said they could help! I gave all my information ; was under the impression that my loan would be would be reduced and at a certain point, it would be written off, if it wasn't paid off ; in so many words! To get started I would pay a {$99.00} application fee, and then they calculated a payment of {$200.00} for 6 months which ended up being 9months! At that time payments, were switched to a lesser amount {$99.00} till paid off!! I have made 24 payments, lots of money, my loan has not gone down! It was time for paperwork renewal, they called and emailed, three times and when I questioned them about the {$99.00} a month, I was told it was fees, and it was part of things discussed in the paperwork! He said I should read it again! And would not give me a direct answer, to where my money was going! A week later I received a letter, stating this company is being investigated by the Federal Trade Commission! 

I will be calling them to cancel account and ask for a refund!
This is my second complaint on this website against XXXX XXXX XXXX. The first complaint { XXXX } was issued on XX/XX/XXXX. XXXX   replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report.

Today is XX/XX/XXXX, XXXX has done nothing. XXXX  is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed XXXX  that I am attempting to purchase a new home, and I need the lateness 's removed. XXXX has assigned me a point of contact by the name of XXXX XXXX XXXX. Mr. XXXX  rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX. XXXX replies to phone calls and emails even less than Mr. XXXX. The times XXXX  has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done.

If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up.

Attached please find XXXX   's response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.
I have contacted condor capital several times requesting that they send me a 10 day pay off amount with the 1 day perdiem and the payoff address. This has been ove r 2 weeks. They told me several time that it will only take 24 to 72  hours to receive the forms. I have yet to receive anything. I am trying to refinance my car with another company and they refused to provide the information. which is causing not to have to car refanance
I recently used a Capital one Credit card to rent a car. Because I understood that money had to be in the account before a car could be rented ; I religiously added the appropriate funds and monitored my account. When the relationship was over, the charges were more than I had deposited ; although, Capital One posted and has continuously pursued me to pay an amount that does not include deductions of the deposits I made. Therefore ; I have no idea where $ XXXX-XXXX of monies I deposited to secure my interaction was distributed. And my credit is affected. Discussions with the Company produced no clear understanding and the amount of money displayed as owed " Only the Auto payments '' are shown as if this is the reason for my increased debt. My Limit is {$500.00} and I do not believe Capital One paid this ( {$910.00} ) without my deposits. Thus, I have concerns that the neglect will cost me more than what my limit is base on their actions and their huge request for payment. If so, I do not believe this is illegal, an unjust effort to secure money not owed.
I had an issue with Experian over a year ago. They kept putting incorrect information on my credit report, bringing my score down. In    XX/XX/XXXX    I had a  credit score  of  XXXX . On   XX/XX/XXXX  my score went down to  XXXX  due to a payment of {$140.00} that brought my credit card balance to  XXXX . My score has gone up  XXXX  points to  XXXX  as of  XX/XX/XXXX  with about $ 75k less debt. I find it interesting that the other credit bureaus have been changing a few points up/down depending on balances. Experian stays flat. FOR ALMOST A YEAR? that makes absolutely no sense. It also does n't make sense that my score would drop because I PAID OFF a {$140.00} debt. I am typically debt free. I have over $ 85k in credit available and pay off each credit card prior to the statement due date ( so I have no debt ). I 've paid massive amounts towards my auto and home loans, and have never been late, yet my Experian score has not changed since the  XXXX  point drop. That does n't seem right, does it?
OK, I've handed the complaint on the Bank of America side, as they are removing the status on their side in a few days. But, they stated to get in contact with XXXX XXXX XXXX XXXX of this matter, as the loan originated from their side, as it is XXXX account number. This issue is showing on ALL my credit reports ... 
Acct # XXXX, BK of America, XXXX XXXX XXXX, XXXX, FL XXXX XXXX I am working with a lady named : XXXX XXXX XXXX, Ext : XXXX She stated this is a XXXX  XXXX XXXX XXXX account number and they are reporting it wrong, as she confirmed on her side. And she stated, not only are they reporting it at the wrong amount, they have NOT removed it on your credit report ... because the account was transferred from XXXX to Bank of America, so they should not be even reporting it. ON all my credit reports, they are listing the loan at {$24000.00}, XXXX, and on XXXX they are reporting it as XXXX. So, there are almost three different prices, under the same account number, so their is something seriously wrong. And I take this highly offensive as it is hurting my life as in housing and normal life situations that someone needs a loan. 
This is detrimental to my life. I want it removed, the entire account that they are falsely reporting. 
They should not be ( 1 ) reporting it under their account number ( 2 ) they are listing it at, up to, three different prices ( 3 ) they are illegally reporting such account on my credit reports - all three no less.

( 4 ) they must remove it immediately off of my credit report.
I was contacted by XXXX XXXX at Atlantic Recovery Solutions. He said he was trying to reach someone regarding a debt they were trying to collect on. He gave me the person 's name and how much she owed. I asked how he got my number and he said she had used my name and number on a job application as a reference. 
I truly hope this is illegal behavior. This is public shaming and possible slander. To give out such information to others in this person 's field threatens her livelihood and career. And damages her reputation.
On XX/XX/2017 I went to Bank of America to make a deposit into my savings I put in my ATM card press my pin the ATM slot open and I inserted XXXX inXXXX dollars bills the ATM accepted some of my cash and push out some bills it did n't accept I inserted some different bills to add into ATM.the atm began to malfunction the ATM push my card out with no receipt of proof of deposit and went blank.i called the number on the ATM and a claim rep ask me what happened and for the number I 'd of the ATM while I was on the phone with the claim rep I told her I was gon na check my account on the second ATM to see if my transactions was success upon checking the transaction did not go threw.while I was on the phone with the rep I wanted to deposit money into my checking account so I told rep I was gon na deposit {$600.00} into my checking and ask her to monitor transactions from her side in case I have trouble with the second ATM the deposit went threw successful i wanted to leave evidence in the bank and completing my transaction in the bank while claim rep on the phone.when claim rep told me they will have some one there between 24 to 48 hours to check ATM and I was gon na get a temporary credit into my savings account.i left the bank that night and return the next day and spoke with the bank manager she told me give it some time and to follow up with her if i did n't hear anything by Wednesday I waited to Saturday XX/XX/XXXX I spoke with the same manager XXXX and I told her is been a week and I have n't heard anything she said that good news I told her I was n't satisfied with a temporary credit I wanted my deposit found and a final resolution then on XX/XX/2017 Bank of America denied my claim.there reason was no ATM deposit overage was reported I requested for a more thorough investigation to check both ATM and video footage and check ATM history of my deposit into my savings account there should have been some evidence from machine or video the bank escalated my claim and this time within 3 days they comeback with same decision when I ask for a more thorough investigation it took a shorter time than the initial investigation please look into this matter for me and let me know what i can do next
I spoke with a representative when they called me a few weeks ago, when they called my work phone number. Prior to me talking to them, they had left messages on my phone, called my husbands phone, all three of my children 's phone and somehow they got a hold of my ex-husbands phone number and called him as well. 

On that phone conversation a couple of weeks ago, I let them know that I would not be able to pay the debt until sometime this spring. I asked them to only call my phone number. I specifically told them they could not call me at work, nor could they call any other phone number of anyone else. Some of the people they are calling are not even related to me, and they continue to call me. Today, XX/XX/2018, they called my step-daughter and told her I needed to contact them about a debt. I didn't think they could tell anyone else that I owed a debt. She was concerned because she thought they may have also called her mom ( my husband 's ex-wife ). They have called my XXXX  year-old father-in-law. I told them I would contact them when I could take care of the debt and that they were only allowed to try to contact me via mail and my phone number. 

In the initial phone conversation, they would not give me their address. Today, I got their address and have sent them a letter indicating that they may only contact me by mail or my cell phone.
When l checked my XXXX  Credit Report, l noticed that on XX/XX/2017 an unknown hard inquiry was made by CBNA which l have no idea about it at all.
On XX/XX/XXXX I had my credit pulled for a mortgage. I was informed that my credit score was low because I have an outstanding collection account with Diversified Consultants. They reported the account on my credit on XX/XX/XXXXand the account was opened in XX/XX/XXXX.
In those 3 months, I never received a phone call or a mailing from Diversified Consultants stating that I had an account with them.
AES sent me a demand for recertification of my XXXX status in order to retain my SCRA benefits. I repled to AESthat they could confirm my active duty status at https : XXXX -- and that I was not required to recertify annually. AES retorted that they can not confirm XXXX status, so I called to fix the issue. The AES customer service representative ( XXXX XXXX ) erroneously informed me that I had to recertify, and that the issue was probably that there was no end date on my XXXX status -- I explained to her that as a commissioned officer I do n't have an end date on XXXX status. She finally transferred me to " XXXX '' who " handles the military phone calls, '' and he confirmed my status, and that he would raise my issue for review. 
This is n't the first time AES has demanded recertification of XXXX status, and I 'm frustrated with annual or semi-annual demands for recertification. DoD provides a web site to that end, and AES needs to use it.
Originally, I had 60 months of forbearance left on my loan. I had used 17 months leaving me with a total 43. However, they have informed me that they have unilaterally changed the terms of the agreement to reduce this time to 36 months. I asked them why I hadn't been given notice of this event and they stated that only certain borrowers were entitled to notice and I was not one of them. Likewise, they stated that the Master Promissory Agreement states that they can change the terms at any time. However, its hardly seems fair, let alone legal, for an lender to summarily reduce a borrower 's remaining forbearance allotment by more than half. Such a contract term would be unconscionable.
In Late XX/XX/2018 I contacted XXXX, XXXX and TransUnion and informed them that the Chapter XXXX & and Chapter XXXX listed on my credit report needed to be removed in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) which states, information which can not be verified is required to be promptly deleted. I also included a letter from the United States Bankruptcy Court XXXX District of Wisconsin Office of the Clerk Office. The letter was submitted to support my case that the Bankruptcies should be removed and to show that the Bankruptcy Court does not report directly to any third party agencies. 

All three credit agencies responded to my dispute and stated that the information listed on my report had been verified by the furnisher ( XXXX ) and that the information would remain on my credit report. I contacted the credit agencies again and filed a second dispute. I also informed them that I applied and completed a security freeze with the agency ( XXXX ) they claimed verified the Bankruptcies. 

Again, I was told by all three credit agencies that the information was verified by XXXX and was accurate. I contacted XXXX by phone and email and was told that they never verified the information with XXXX, TransUnion or XXXX. XXXX also stated that they could not verify any public records because of the security freeze I applied for in XX/XX/2018. 

I then filed a dispute directly with XXXX who claimed to get the information directly from the Bankruptcy Court. In response to my direct dispute with XXXX they sent me a letter which stated that they can not verify any public records after a security freeze is in place. 

I filed a third and a fourth dispute with all three credit agencies. I included a copy of the letter from the United States Bankruptcy Court and I included the letter from XXXX. 

Again, I was told that the information was verified even though, I submitted a letter from the agency they stated verified the information stating it is not possible to verify the Chapter XXXX and the Chapter XXXX listed on my credit report. 

In accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) information that can not be verified must be promptly removed. I have shown and proved that the Chapter XXXX and the Chapter XXXX listed on my credit report can not be verified ; Therefore, the Chapter XXXX and the Chapter XXXX should be removed.
To be honest I really want to sue Navient. I feel that the XXXX  school I attended lied to me.They pushed the idea that they had job placement and that after graduation i would get a high paying career and I believed that I would have no problem paying these loans back. I feel that I was preyed upon by these lenders just because I wanted to get a higher education. When it got difficult for me financially they tried pushing deferment or forbearance, without really explaining the consequences if I choose this option. I eventually leaned that all this did was increase my debt and compound my interest exponentially to an amount I did not expect. Every available option on the table to repay this hasnt really worked for me. I am asked to pay {$570.00} a month but due to my inability to pay as they see fit now the monthly payments are as much as {$4000.00} a month which I dont have. 

I will also like to state that these lenders or banks are committing fraud against the public if what I learned is true. It seems that the Banks don't lend money. They buy your promissory note i.e. security. They are in the business of purchasing securities not lending, according to modern money mechanics. So if a promissory note is viewed a negotiable instrument meaning that it is used as money and sold for the value listed thereof to other fanatical institutions it is fraudulent because we are led to believe that we owe our lender money when in fact they owe us.
I was advised months ago the debt no longer exists. I have an actual bill dated XXXX XXXX, 2016 showing I have a XXXX balance acct with XXXX XXXX. These collection folks have ignored my communications for many months and now are hurting my credit for a debt I do not owe. They must be stopped and sanctioned, please
Selip and Stylianou LLP filed a lawsuit against me, claiming they were doing so on behalf of XXXX XXXX. However, the following raises some issues with them suing me : 1. XXXX XXXX said that they charged off the debt and are no longer involved with it ( see attached letter from XXXX XXXX ). How can Selip and Stylianou LLP sue on their behalf if they are not involved with the alleged debt anymore? 2. Selip and Stylianou LLP filed a lawsuit with the Superior Court of XXXX County without ever attempting to contact me about the alleged issues they are suing me for. How can they file a lawsuit on someone without once attempting to contact the person to resolve the matter? 3. Selip and Stylianou LLP continue to send me papers DEMANDING answers to use in court regarding the issue but have not sent me any verification that I have asked from them as well. They have no returned any responses to letters I have written them, phone calls, or voice messages.
I had my identity stolen and a bunch of credit cards opened in my name without my knowledge or approval. I have gotten all of them taken off except XXXX with Macy 's Department Store/DSNB account # XXXX which also turned into a collection account with a company called XXXX XXXX XXXX. I keep getting phone calls from XXXX XXXX XXXX trying to collect over {$2000.00} from me which is not my debt. Each time I give them my social security number they tell me that 's not correct, when I tell them this was from identity theft they do n't believe me. I have sent all the credit bureaus, XXXX XXXX and Macy's/DSNB copies of police reports, my identification documents, letters stating this was all from identity theft and they need to remove it all from my name immediately ( many letters ). They refuse to delete and keep calling to collect, keep reporting this negatively on my credit report also. This is hurting my credit score, my credit report and my life. I have been fighting this since XXXX 2015. XXXX XXXX XXXX refuses to send me any proof of this debt also when I ask. They say since the social security number does n't match they ca n't send me anything on it but they refuse to take me off the debt that I did not incur. I need your help in getting this resolved and my name removed from this un-related debt and my credit report fixed also. Please help me, I have exhausted all my efforts up until now.
I m so tire of dealing disputing with Trans union and XXXX looks they are the king of the system, it seems nobody can regulate them!, I dispute XXXX hard inquires they deleted right away,, but on XXXX XXXX then they reinstate all of them again, they suppose to let me know 5 days before they reinstate them since now I was in the middle of applying for a new loan you know. is very frustrated been in the process of been qualify then I got denied because they put back the XXXX i inquires back without letting me know why was the legal reason to do that, I need your help please..the names and addresses I circle in my attachment are not mine.Transunion and XXXX keep adding new address lately.
WelI have been trying to get a mortgage loan modification since XXXX of XX/XX/2013 on my XXXX mortgage, from the same lender and I have not gotten anywhere with this lender I keep sending in information every XXXX days because they tell me to fill out a application every XXXX days.It has been absolutely mind boggling why they keep stalling me for this long, I know they receive money for each time I fill out this application for modification loan. XXXX dollars I keep talking to different people every time I call, I have requested for a manager or supervisor to contact me that never happened, I 've ask for a new representative XXXX different times now and they all react the same way do n't communicate you have to continually call them my account has gotten to about XXXX dollars behind now. I was told to file a complaint against this company for all the stress that they are taking me through concerning this loan my wife is not making the money we used to make an so we ca n't pay the amount that they are asking us to pay and so we had a modification for our XXXX loan through usbank, and now it seems as though they wish not or want to string this XXXX modification out for as long as they can and its just not right I have filed a complaint with usbank escalation dept. and I was sent a letter from usbank and was told that if I filled out another application that they would escalate the process that was XXXX again XXXX months ago I have not heard anything at all I have had it with usbank!
Rushmore Loan Management Services, LLC illegally charged an insurance coverage in my property taking more than {$1600.00} premium from my escrow account. There have been insurance coverages in XXXX and XXXX. The alleged to want HO6 coverage, which is basically content coverage that is no more than {$7000.00}. Rushmore certificate received a week ago states coverages for {$170000.00} insurable values. This amount is the loan amount. Insurance for replacement costs existed and exists in the property. HO6 only covers kitchen cabinetry and bedroom that in an 800 sqf condo is no more than {$7000.00}. Even charging for insurance more than replacement costs is illegal. Rushmore needs to refund the {$1600.00} premium illegally charged.