WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I contacted XXXX the branch manager at XXXX XXXX to attempt to refinance my auto loan with her, she took my application and informed me that she would get back with me, after a week had gone by with no return phone call, then I called her back and she avoided my phone calls for 3 days straight. On XX/XX/XXXX I decided to call a different loan place to refinance my auto loan with at XXXX XXXX XXXX, I had given XXXX at XXXX XXXX permission to give XXXX XXXX XXXX my current payoff while I was on a conference call with them, XXXX At XXXX XXXX then called back asking why I was moving my auto loan somewhere else and I informed her that I needed to refinance because I needed some additional money for vacation, she waited until this morning on XX/XX/XXXX and called XXXXXXXX XXXX XXXX back and wanted to speak with the branch manager there to disclose my payment history with them and went on to inform them that I had 5 returned checks since XX/XX/XXXX and 4 additional returned checks since then, so the branch manager from XXXXXXXX XXXX XXXX  called me right away to inform me that XXXX from XXXX XXXX was calling them and giving them information that neither they had even asked for due to privacy nor had I given XXXX at XXXX XXXX to disclose. I immediately contacted the corporate office of XXXX XXXX to find out why they allowed their branch manager to disclose personal information on me that I did not give permission to do and they had a District Manager by the name of XXXX XXXX call me, but he said it was not against any of my rights or laws for XXXX from XXXX XXXX to call XXXX XXXX XXXXXXXX disclosing my payment history and personal information, but I work at a Finance company as well and it violates my rights and we are not allowed to disclose anything to another creditor, especially to call them back just to make me look bad to the new loan company to keep them from doing my loan. I want something done about this and I want to be notified or if you can refer me to who I need to contact besides their corporate office or district manager because they are taking up for each other and I have all the proof and the branch manager as a witness from the new loan company. Thank you so much for your assistance in this!
I 've been dealing with this situation since XXXX. I 've negoiated and paid them, only to have them contrive fraudulent payment history. At one point, I over paid them and filed litigation in XXXX XXXX against more than 25 defendant, over half being " secrete '' insurance companies. After the first court hearing, OCWEN advised they would honor my Due Process rights as well as answer the mandatory 12 USC 2605. I dismissed without prejudice my case but the defendant FAILED to comply. 
The attorneys contrive fraudulent claims they are processing the MANDATORY QWR but fail to do so. Then every 6 months to a year, they file, WITHOUT NOTICE to myself, a new foreclosure action, hoping I 'll miss it and they can get the court to " Sneak it '' thru the system will violating 12 USC 2605 and blocking me from ID litigation parties and filing a lawsuit against the proper parties instead of more than 25 defendants, unless all 25 defendants are guilty.
I submitted my original dispute to Equifax and XXXX and was told by phone that the dispute was never started but they sent results saying it was completed and will remain. The documents I sent to them were never uploaded for a dispute. It was an XXXX mortgage t originally through XXXX XXXX XXXX the 20 % has been deleted from all XXXX bureaus. XXXX XXXX is the only bureau that has deleted the 80 % ( XXXX XXXX ) and the 20 % ( XXXX ) for both creditors the fraudulent mortgage from my report but Equifax and XXXX did not delete the 80 % and have not even scanned in my supporting documents but they keep saying the information should remain. Date of delinquency has been over 4 years and should be removed according to Texas State law. The house is being reported as foreclosed and it has not been foreclosed and is in a 3 yr. pending litigation with the supreme court . I do want the home if the bank wants it I just want it deleted from my credit file because its being reported fraudulently. Also XXXX is being reported fraudulently as well. I provided my final divorce decree showing the debt belongs solely to my ex-spouse and the credit bureaus and XXXX refused to delete it from my file.
This complaint is in regards to First Merit Bank, which is currently merging with XXXX. 

I 've had an ongoing issue with the bank, which continues to charge excessive overdraft fees and rearranges the withdrawals on my account to incur larger penalties. I 've asked to opt out of the overdraft program, but I was told I could not opt out of the overdraft program when direct debates are made on the account. An example of the questionable tactics First Merit uses can be seen in the latest dispute I had with the bank concerning transactions that took place on XXXX/XXXX/2016. At the time I had {$35.00} in my account, and XXXX transactions occurred that day. The transactions were as follows, {$2.00}, {$4.00}, {$9.00}, and {$50.00}. Regardless of the transaction times, First Merit applied the highest charge first, which immediately overdrafted the account creating a {$35.00} fee. Then they subsequently charged me an additional {$35.00} overdraft fee for each additional transaction that occurred, for a total of {$140.00} in fees on {$67.00} in total transactions. 

While I admit the error that occurred in scheduling the {$50.00} deduction from my account that lead to the overdraft, the fact that First Merit stacks their transactions in a way that advantageously creates the scenario where they are more likely to incur higher fees from customers is troubling. In the last year, due to a serious of unfortunate events that have left me on a tight operating budget, my situation has been further escalated by First Merit who has taken hundreds of dollars out of my account through these practices. While at first they admitted the unfairness of their system and refunded {$70.00} in charges, any subsequent inquires on my behalf have been met with the notion that, 'because I know their system is unfair, any request for recompense on my part is negligible. ' Please look into these unfair practice, as no doubt they are fleecing more of their customers than just me.
I have tried to obtain the paper work needed for my mortgage and up to now SLS Mortgage services has not given all the paper work to XXXX. 
XXXX is telling me that page ( XXXX ) of the note is missing ( this is the page that shows the endorsement ) and they also need the updated assignment SLS sent the same papers previously and XXXX informed them then that there was paperwork missing. 
I really need help in this matter XXXX Loan # : XXXX XXXX Acct # : XXXX
We are behind by 1 day on our personal loan from Onemain Financial in XXXX Pennsylvania. They call myself, my wife, and my mother ( whom does not live with us ) normally 20 times or more per day each. They have been doing this for four months now. They use multiple numbers, we have asked for them to stop harassing us they always get their money it 's never more then 21 days late ( 1 time ) mostly 7 days late, because they do n't allow us to change our due date. We make our payment which is supposed to be {$240.00} but we pay {$250.00} to allo {$4.00} to go towards the principal. He keeps telling us we are two months behind, however we are not. The calls start the day the payment is due and continue until the payment is made. We have had legal action threatened against us for being 1 day late! He told me that there was a {$7.00} charge that causes their system to assume we are 2 months behind but since we pay {$4.00} more every month that charge should n't exist. It 's more then a " system '' thing they physically dial the numbers and intentionally harass us because we do n't answer their numerous calls after we tell them when we will make our payment A date and time is given but the calls keep coming 20 or more times per day each.
I have been working with XXXX XXXX company regarding late payments removal, which has been unsuccessful ; I was unemployed and was approved for an unemployment forbearance repayment plan that was effective for 4 months XX/XX/XXXX- XX/XX/XXXX I  was making onetime payments per arrangement ; during this period I made multiple payments that were not applied to loan they would only credit $ XXXX/ month ; in XX/XX/XXXX I was approved for funding via Illinois Hardest Hit they made reinstatement payment of XXXX on XX/XX/XXXX which was suppose to post on account by XX/XX/XXXX (  which it has not ) and will begin making monthly payment on my behalf XX/XX/XXXX ; my issue with XXXX XXXX is that in XX/XX/XXXX-XX/XX/XXXX they were reporting on-time on payment noting for agreed amount in the beginning of XX/XX/XXXX they update reporting to 160+ days past due which is incorrect. They are also reporting the wrong balance ; the correct balance of mortgage loan is {$140000.00} not XXXXk. Payments were made on-time per arrangement XX/XX/XXXX-XX/XX/XXXX. I have disputed late payments via all three credit agencies, have sent emails, and written request to update payment history and balance which to this date has not happen.
When I received my XXXX statement from Capitol One there were four charges on it from 'XXXX ''. I had no idea who or what this was. When I called Capitol One they said that this waXXXX XXXX which I have NEVER used or even know anything about. They then gave me a phone number to call at this company ( which was not on my statement ) so I called them. The XXXX company could not tell me how this had appeared on my charge card because they did not have a XXXX account in my name. They then said that they would refer this to their fraud department and contact me within 3 to 5 business days. 

This was done on XXXX XXXX and to this date I have heard no more from this company. I just received my statement from Capitol One and no corrections were done to my account. The charges were {$100.00} ; {$100.00} ; {$100.00} and {$48.00}.
My Name is XXXX XXXX XXXX ( This is an important not as many systems can not take the XXXX in there system and it causes confusion with both my father and grandfather XXXX, XXXX which are still living ). 

So in XX/XX/XXXX i was notified of a debt collection from XXXX XXXX being collected by the Collection Bureau of America ( NMLS ID : XXXX ; XXXX XXXX XXXX XXXX, XXXX CA XXXX ). So i called the collection company to get the details of what was happening and discovered that this was a case of mistaken identity. 

During XXXX at the XXXX XXXX XXXX i did a rent to own water cooler from XXXX XXXX. When i graduated in XX/XX/XXXX and started working i paid it off. My father wanted to keep the water cooler so we transfer the account over to him. However, in having the same name and not being able to distinguish between the XXXX and the XXXX. Nothing changed. At this time the account was paid off and transferred. 

Fast forward to Fall of XXXX my father made transactions on the account, that was now his that XXXX   XXXX never changed the finance information for. This was never a transaction that i authorized or was even knowable of. I have not live at XXXX XXXX XXXX, XXXX md XXXX since XXXX. So i called XXXX XXXX to make them aware of the issue and they acknowledge the mistake but since the account had been sent to collections and after escalating through various levels of management they did not know how to handle this situation. I then had them look at the payment method of how the account was being paid as proof that it wasn't me and indeed the account was linked to my fathers debit card. I talked with Collection Bureau of American as well as did my father to clear up this matter up. We did this on three separate occasions in XXXX and the collection agency assured me that they would remove it from my credit report. I also filed a dispute with XXXX about this claim but because of the name and the fact that i lived there and the limit texted to explain this situation. I got no where with this either. After multiple check to my credit report over the next year this transaction was never removed. When call back to XXXX XXXX i was repeatedly ensure that this was being address. However, once the case worker was changed all was forgotten and i am left with no other option. I contacted a lawyer about this matter and they pointed me in the direction of this website. 

I also asked the collection agency to provide proof that i authorized this transaction. What they sent to me was the original document in XXXX. What i pointed out to them is that the activity for which this seems to be associated with is 10 yrs after the transaction that I authorized when i did own the account. This should have been a rather large red flag. I then asked them does it seem plausible to be collecting a debt 10 years after the fact when the amounts don't even align.
On XX/XX/2014, I paid a bill over the phone for my daughter. The card company XXXX card issued by XXXX bank deducted funds from my account immediately. Apparently three days later when the gas company attempted to complete the trsnsaction nd collect the funds, it had been resended by the card company. I was told that it took too many days. My daughter had to pay by other means along with a late charge in XXXX. Since then I disputed the charge, provided proof it was payed another way nd the card company is still refusing to refund my funds.
The loan was for XXXX and they took out XXXX per month for almost XXXX years and whe I called to get payoff they said I owed more than loan amount
I have been sending dispute letters for how many months now to no avail. The accounts XXXX XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL  ) XXXX are still being reported on my credit report when they don't belong to me.. Transunion can't even give me sufficient proof as to why they wont remove them.. Simply giving out a computer print out is definitely not enough proof..CFPB please step up and remove the accounts
On XXXX XXXX th I used my card to deposit my birthday check threw taking pictures of it threw Ingo money must be there 3 rd party person who does the checks on XXXX XXXX XXXX I called to see if they could cash the check faster I didnt realize it took so long to cash and I needed the money when they couldnt get it to go faster I asked for the check to be canceled so I could go cash it! I went and cashed not thinking anything because I canceled it already on the XXXX XXXX of XXXX I got my daily amount text with an amount on there I thought it was chil support payment so I took the cash out and paid a little on 2 bills long story short it wasnt child support payment at all they went and cashed the check even though I had already cashed it I called them to figure out what happen and I get hung up on or the rudest people ever speak to me I cant get to a supervisor because I get hung up on this is getting no where and it needs to be cleared up ASAP I need help
Background : I filed Chapter XXXX BK in XXXX, and XXXX XXXX in XXXX. The Chapter XXXX is satisfied and all payments paid ( at least 1 year paid off ). My XXXX credit score is XXXX as of XXXX/XXXX/XXXX. 

I noticed that SYNCB/JC Penny continues to report status " was in chapter XXXX Bankruptcy '' -last reported XXXX. Is that appropriate reporting? All the other creditor reported once in XXXX.
I refinance my house with XXXX XXXX they paid off my loan on XXXX XXXX XXXX XXXX XXXX credited my account on XXXX XXXX XXXX XXXX XXXX reported me late for XXXX but XXXX made sure they had there check on the XXXX of XXXX I want this late payment removed from XXXX XXXX
On XX/XX/XXXX I was involved in a car accident. Someone rear ended my car and I was badly injured. As a result, I was under physical therapy for several months and I needed to get XXXX XXXX. The person who was at fault in the accident had minimal insurance coverage and the amount of my XXXX was {$85.00}, XXXX which exceeded the {$15000.00} coverage that the party at fault had and also the equal amount that was paid by my insurance company. My XXXX attempted to pay a partial amount of the bill however XXXX XXXX XXXX and XXXX which performed the XXXX refused to take this amount. Now they are trying to sue me. On XX/XX/XXXX I received a summons stating that XXXX XXXX XXXX and XXXX  wants to take me to court. I don't feel sufficiently better after the XXXX and I am still in a lot of pain. I want them to stop harassing me.
I tried to get a refund on {$4500.00} worth of cards. I called reloadit and they said that if I would send them a copy of the receipts I would receive my money in 20 days. This was on the XXXX of XXXX. Then they asked for a copy of the reloadit cards with the numbers on them and they said it was approved.=, but they wanted me to send them a copy of my drivers license and my utility bill. Than they said they sent the check out on XXXX XXXX. I still have n't received nothing so far and i told them if I did n't received my check by the XXXX XXXX I was going to call the FBI and the FBI said that I should contact you. I
I received a call from a telemarketer from American Express by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with XXXX and probably the other Two bureaus. Can American Express telemarketers just lie to us with immunity and without recourse?
I have asked repeatedly for the company to validate this account. They verified it to the credit bureaus, However they will not provide their method of verification. They have not provided me with the documentation to prove to me that this is my debt and that they are entitled to collect if owed.
Hello, I have tried multiple times to send requests for reciepts to be mailed to me along with my remaining balance. Over the past week i have contacted Southern Oregon Credit almost everyday trying to get information on my debt yet they are with holding the information. I have no clue if they are adding to my debt, if the payments are actually going to their purpose, and if they are trying to wrongfully increase my interest. I have nothing for my records from Southern Oregon Credit and have not recieved anything via mail regarding my debt for about 2 months or longer. Im tired of playing these games with this company. It goes to show that all those consumer complaints online are true. I get responses faster on this complaint site than i do from Southern Oregon Credit and they are literally located 10 blocks from my house. I refuse to call or go down there due to the vulgar language, abuse, and collection tactics. I want this to be over, i never want to be affiliated with this company ever again. I plan on taking action so that in the future other consumers will not be forced to deal with this company. I want my information that is being with held! I WANT RECIEPTS FOR XXXX/XXXX/2017, XXXX/XXXX/2017, AND ANY THEREAFTER. i AM BEING GARNISHED SO I HAVE NO OTHER WAY TO KEEP RECORD OF WHAT THIS COMPANY IS TAKING AND THERE SHADY TACTICS. THIS SHOULD BE REPORTED. THERE ARE LAWS BEING BROKEN PER THE STATE OF OREGON. I WILL BE COMING IN FOR THE FINAL PAYMENT TO GET COPIES OF ALL NECESSARY DOCUMENTS SHOWING SOUTHERN OREGON CREDIT HAS BEEN PAID IN FULL ALONG WITH A WITNESS AND RECORDING DEVICE. i have read from previous consumers about how this company will report debt as unpaid to continue garnishment despite being paid in full and i refuse to be your victim. I have copies and records of all my attempts to communticate with this company i also have verbal recordings of your creditors who use alias 's and their threats / vulgar language. Just something to keep in mind. I will keep cobntacting you and keeping record of everything until you facilitate what i am asking for, it 's not much and its the least you company can do for all my hard ships and suffering with the treatment i have recieved.
I have filed a Dispute with Equifax, Dispute number  XXXX . This dispute came back to me as resolved pertaining  XXXX  agencies I filed on. Both have been removed from my credit report as you can see on the attached results from Equifax. I was pleased. Then recently in a updated credit report, this item that was investigated and removed from my report ended up being placed back onto my report. This is getting really irritating. How can you investigate and have this  XXXX   XXXX  collection removed and then in a month have it added back again? I think this reporting bureau should lose their right to credit reporting. I have circled in red the disputed action taken from Equifax.
This is my second attempt to bring this issue to someones attention who honestly cares about the unfair student loan practices from both Sallie Mae & Navient. I am victim of these deceptive practices. 

My monthly payment was way too high, and my interest rate kept increasing. Navient simply would not work with me at all resulting in out of control interest rates on school loans which will be with me until and after I die! I have become a slave to this debt! 

When I ran into difficulties making payments, I was consistently offered forbearance, which allowed delayed payments for a set period of time. But under a forbearance plan, the loans continued to accumulate interest and has become a much more expensive option in the long run. At no time was I ever offered other repayment options or plans. 
As disclosed in the recent disclosures from the XXXX audit from the Department of Education, the agency noted the support of federal and state lawsuits that accuse Navient of boosting its profits by steering some borrowers into the high-cost plans without discussing options that would have been less costly in the long run. 
https : XXXX When I reached out to Navient in XXXX of this year, they offered NO options for me which would work within my financial responsibilities rather offering me a payment plan of over {$500.00} a month. Then, they sent me a letter indicating that my account was placed on hold until XX/XX/XXXX! Please refer to attached. 

Navient and the former Sallie Mae representatives never took the time to truly listen to my situation and would simply drop my loan into forebearance. There were a couple of times where I can honestly say that I had NOT requested this option and then, all of a sudden, Id receive an email about this. I reached out countless times to Navient to discuss. 

I am tired of the years of dealing with Navient and their XXXX they are not willing or wanting to work with the debtors. This is unfair and deceptive. I am seeking your help in fighting this against Navient and plan on filing once again with the Indiana Attorney Generals office who simply swept this under the carpet my first try. I will not stop until I receive some action on this. 
Sincerely, XXXX XXXX