WillisBack/dataset-financial-user-claim huggingface dataset:
While trying to settle my father 's loan obligation with a reverse mortgage company through the sale of the property, loan servicing company repeated delayed providing a payoff statement. I have been provided erroneous information since the first day I requested information on the process. I fully believe this company is delaying payoff to benefit from foreclosure. The property is under contract and was to close XX/XX/2017 and as of this date XX/XX/2017 a payoff statement has not been provided ; my original request was send XX/XX/2017 at XXXX via fax and email. If I do not receive this payoff today the buyers attorney will be forced to return funds to their lender thus the sale of this property will not go through. While I have requested to speak to a supervisor, I have been forwarded to a voicemail ; I have emailed the supervisor and have received no response. I am being treated unfairly and my attorney is now involved. This lender will have caused me to lose the sale on this property and they will proceed with foreclosure activities.
This account should have never been reported to my credit report. There was an error with XXXX and the issue was resolved directly through XXXX. This collection agency was notified early XX/XX/XXXX by XXXX to delete the account and has yet to do. In fact, theyve recently verified the account as valid with XXXX after XX/XX/XXXX which was after Ive received the letter from RPM promising to remove the account. I called XX/XX/XXXX and spoke with XXXX who informed by that it will be additional 30-60 days since i exercised my right to dispute the account. I plan on pursueing legal action if this account is not removed immediately.
XXXX/XXXX/2017 - Present. 360 Mortgage has not and refuses to produce the original promissory and 'alleged ' loan instruments for inspection. 360 Mortgage separated the original promissory and 'alleged ' loan instruments, instead utilizing XXXX XXXX XXXX XXXX ( XXXX ). 360 Mortgage refuses production of its bond and charter to conduct business at XXXX, continuing to escheat my estate. 360 Mortgage 's continued unlawful practices is indicative of an occupational government and its rogue corporations. I intend to forward this submission and all correspondences to the united states ( Organic ) Attorney Solicitor for action.
Student loan processor ( Heartland/ECSI ) charging RIDICULOUS fees. As much, or greater than XXXX % fee PER PAYMENT on debit cards. Most banks will either not charge processing fees for debit transactions, or charge a VERY VERY small one ( as per Dodd-Frank legislation that passed a while back ) so this is an additional XXXX % ( or more - see attached evidence ) interest burden tacked onto an already burdened population of student loan repayers. For some, who choose not to give these crooks direct access to their bank account, there is no alternative aside from a debit card in order to pay. This additional & gt ; 6 % is just an atrocious fee. Especially when 6 months ago it was not in existence. There was no notice provided by the company, and aside from providing direct access to my bank account, there is no alternative to pay without a fee on debit just like ALL of my other loan processor. Granted, there are only XXXX others that I deal with, however, their practices are MUCH more palatable to the consumer- it is quite apparent that they are providing a service, as opposed to sticking it to their customers for financial gain.
I contacted the Original Creditor, XXXX XXXX Hospital in XXXX 2016. I spoke to XXXX. He told me that according to his records all of my bills with them are paid and I have no outstanding bills. I then contacted the collection agency, Central Financial Control, and spoke to XXXX. He was unable to locate my account. I would like this removed from my credit report. I do not have any outstanding bills with XXXX and have had this verified. I do no know what this is yet it still remains on my credit. The Credit Bureaus tell me that Central Financial Control is reporting that there is in fact an outstanding bill, yet their representative is unable to locate it when we call.
When I could n't pay my student loans they sent me to collections and charges a lot of interest. My other loan now payment plan is kind of high they do n't take into consideration of living expenses for families. My credit score dropped they do n't report correctly to the bureaus and the interest charges is a lot.
Went to office Wachovia Bank. Set up a account for my parents where I had power of attorney. Bank officer did not tell me power of attorney ends with death of my parents. There is {$2500.00}. which I can not het my hands on because to probate would cost me {$2500.00}.
I have been a Navient customer since XXXX with my student loans. I have always been on the Income-based Repayment Plan as I was working internships after college. In XXXX of XXXX I applied for my new Income-based Repayment Plan and foolishly " assumed '' the payment would be {$0.00} as it has been since my graduation in XXXX of XXXX. From XXXX when I applied to current time, I have received NOTHING from Navient about payments, delinquent payments, last chance for payment or anything! However this past XX/XX/XXXX, I received an update from XXXX XXXX that I had two months of missed payments on my ten accounts! The total of these student loans is {$41000.00}. My credit report now shows 90 and 120 days late on my payments for the months of XXXX and XX/XX/XXXX. So far I have called Navient repeatedly and sent hand written letters three times to the Credit Bureau which " only accepts hand written mail. '' I am up to date on payments and set up automatic payments immediately upon receiving notification from XXXX XXXX. Navient had the incorrect phone number that I didn't even recognize and incorrect email however they had the correct physical address! During the time of XXXX to XXXX I received physical mail about pre-approval for new loans through Navient and consolidation options but nothing about the status of my current loans. I updated my info and in their records I am in good standing. However I am on dispute number two with XXXX to have the delinquent payments removed from my credit report as it was not my fault they were not paid. I never got a chance to pay my bills because they never contacted me. XXXX is happy to remove the delinquent payment request as it was not my fault however they are waiting for Navient to contact them and I have tried to contact Navient but feel I am stuck exactly where Navient wants me. This has severely affected my life as I can not get approved for loans, credit cards, apartments, gas/electric or even internet because my credit score is around. Before this incident I had never been late on a payment, paid off my credit card multiple times and was on top of my student loans however now I have to rely on my girlfriend to get approved for things. Please help me!
CFPB disputed an inaccurate account on my credit report with XXXX XXXX After CFPB contacted XXXX XXXX the vice president of XXXX XXXX XXXX XXXX sent me a letter telling me he sold my account to Calvary Portfolio Services and that I needed to deal with them. XXXX XXXX could have easily contacted Calvary Portfolio Services and let them know that the account was open via Identity Theft but chose not to although CFPB sent the police report and all supporting documents to XXXX. I actually think the account was sold after XXXX received first correspondence from CFPB. Please have Calvary Portfolio Services remove this from my credit report immediately.
Received this letter from Diversified DCI Consultants, Inc. Regarding this Debt that does not apply to me in the amount of {$2200.00} have received this letter twice requesting to remove from my credit file.
I was involved and purchased services from a company called XXXX. XXXX is currently being sued by the FTC and has an injunction against them from doing any business or providing any service because the services they provided have been concluded are scams and a fraud. All attempts to contact XXXX for a refund is not available because of a restraining order that is indefinite. 
I have made a dispute claim with the credit card that I used from Bank of America. Bank of America claims to have been in contact with this company even though the court documents prohibit any contact with XXXX or its affiliates. Any contact with XXXX is a direct violation of that court order. Either Bank of America is lying or they or committing an illegal act.

Bank of America also did not provide details of their investigation nor did they provide details of their contacts with XXXX   or why they have denied my claim.
I called XXXX  XXXX XXXX to inform them that this REPO is not mine. I have never voluntarily or involuntarily repossessed my vehicle and the supervisor said she would have it deleted.it never did!!! so I disputed it twice now and they continue to " reconfirm '' the information. This is only showing with XXXX but its hindering me from purchasing a home.
I recently discovered errors on my XXXX and XXXX credit reports. Both were reporting a 90 day delinquency starting XX/XX/XXXX and 120 days through XX/XX/XXXX. 
My student loans were consolidated in XX/XX/XXXX and I was in a forbearance program from XX/XX/XXXX-XX/XX/XXXX. I have provided the necessary documentation from the national loan database, my servicer at the time was EdFinancial, the servicer who owned my loan after it was consolidated. 
I have reached out to them and they said they did not report this, and I have been trying to find out who reported this, and continues to report it, as EdFinancial is the only servicer who can possibly be reporting this as they owned and serviced the loan during this time. 

On XX/XX/XXXX, XXXX deleted this account ( # XXXX ) from my credit report in response to my dispute. It states the reporters are XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX. 
On XX/XX/XXXX, XXXX claims it deleted this same account XXXX # XXXX XXXX from my credit report in response to my dispute. However, it states the reporters are US Department of Edu Afsa,  XXXX XXXX XXXX, XXXX XXXX XXXX Phone : ( XXXX ) XXXX. 

I have called the 800 number provided numerous times in the past week and the only time I was able to reach a live person, he told me I needed to contact my servicer at the time and hung up on me. 
Edfinancial states it did not report this, as their notes indicate a forbearance from XX/XX/XXXX-XX/XX/XXXX. Therefore, regardless of who is reporting this, the information is wrong because the loan was never 90 or 120 days delinquent. 
XXXX states they deleted the account, but the reporters are still reporting it to XXXX so I am at my wit 's end trying to resolve this issue.
I 'm submitting a complaint in regards to the status of my XXXX loan forgiveness letter. I submitted the original XXXX loan forgiveness letter in XXXX 2017 to then be told there were errors. I fixed those errors submitted the same letter with the initials on the item that needed to be corrected to then be told a few weeks later that there were additional errors wrong that were not even listed in the first letter. I submitted my application a third time and spoke with a customer service representative who told me that the application looked liked it was filled out correctly and that I should hear within 30 days about the status of my application. I asked for my payments to be deferred. I also asked if I would have a response to my XXXX loan forgiveness prior to my deferment date expiring and she stated yes. However, I have now a past due payment and still have not heard back in regards to the status of my loan application. I would like to know why it is taking so long to review my XXXX loan forgiveness application and what is the status?
On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with XXXX and thought I had it updated was reversed back to a previous name on my report. I have contacted XXXX, Experian and XXXX more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.
I was accessed annual fees on an inctive USBank credit card. I had XXXX and was in XXXX for 3 months when they were sending the notices. But USBank was sending the statements to the wrong address and have my wrong mailing address and name. They reported 30 and 60 day late payment to the credit reporting agencies which has harmed my credit. I have followed all procedures to have the negative information removed from my credit report and USBank is refusing. this was all over a annual fee on a credit card I did n't activate.
XXXX ,   XXXX   and Transunion. I would like to see my credit updated correctly. Tax lien remove, no scores decline after submit  Dispute and Inquiry sto p going into my credit report.
I have been getting phone calls from the number XXXX for over XXXX years now. I have told them atleast XXXX times that there is nobody by that name on my number, but they still keep calling me asking for that same person. Its a different voice or person each time I have attended the call.
I was denied credit from a lender which stated I had too many inquiries. Upon review of my report I noticed that there were inquiries that were not authorized. I contacted transunion and was told they could n't do anything about it. I 've had fraud alerts placed on my reports. I 've done my own investigation in which none of these companies received identification or authorization to pull my credit for any cause.     XXXX /  XXXX   XXXX    XX/XX/XXXX     XXXX   XXXX     XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX
Equifax had a major security breach and my information was stolen. I did not consent for this to happen, and am now going to have to spend my limited time and money mitigating this issue.
I recently checked my credit and seen a collection debt from Sunrise Credit Service that was reported to my credit that is n't valid. Back in late XX/XX/XXXX early XX/XX/XXXX the amount being reported {$1500.00} was already taken care of with the previous collection agency and it was removed from my credit. Per FDCPA laws any collection item ( s ) that has been removed from ones credit can not be placed against credit again. This item is hurting my credit being that I am in the process of buying a home. This is causing emotional distress, and I am having to deal with the possibility of being denied on the closing of my home. The address that this company has on file is n't my address nor have I ever lived at the address. I am wanting to pursue further in filing a lawsuit, if we ca n't handle this situation the right way.
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX  for months.XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention

they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Citibank closed 3 of my credit cards on XX/XX/XXXX, I did not request the closing of any of these cards. 

XXXX XXXX XXXX, Best Buy, and Citi DoubleCash. 

This Complaint is regarding my XXXX I never been late on payments for any of these cards and I always paid them in full, except for Best Buy card that I had purchased products with free interested finance. 

My XXXX XXXX XXXX had about U {$170.00} dollars in cash rewards and they say I won't get it since my account was closed. 


They sent me a letter saying if I want a explanation I should call a number and ask or send a letter. I called the specific number put people cant tell me the reason why my cards got canceled, customer service keeps saying I need to send a letter requesting information. Why does it mention to call the number on the letter if I need to find out the reason why my account was closed? 

I really don't care about the cards cancelation since I have others. What is unfair is that they kept and won't pay for my rewards / cash back. Thats robbery, scam like. 

I cant access my information regarding my rewards online since they don't make it available anymore due the closing. Luckily I requested my last statements where I can see rewards amount. 

I just want what is mine since I earned it using my credit cards.
On XX/XX/2018, my Chase bank account was charged for {$150.00} from XXXX XXXX XXXX, because I had put my debit card on file for my brother in law to receive auto insurance from XXXX. On XX/XX/2018, I had contacted XXXX about this, stating that he was supposed to remove my card from the policy and replace it with his, in which the representative promptly removed my card from the policy and advised that I contact my financial institution to file a dispute, so that I would receive that money back. I contacted Chase, had filed a dispute, and received a temporary credit. On XX/XX/2018, the credit was removed. Upon contacting Chase Bank and speaking with their XXXX Department, I was advised to contact XXXX, because they had sent a request for the funds to be returned, but had not gotten a response. I contacted XXXX, in which they informed me that they had not gotten a response. I contacted XXXX and Chase Bank several times, back and forth, getting different responses ranging from we haven't gotten a response from XXXX XXXX XXXX has denied your claim, based on the fact that you authorized automatic withdraws on your debit card, in which I had not taken off before the transaction started. When I filed the dispute on XX/XX/2018, which wasn't processed until XX/XX/2018, I was advised that everything would be taken care of, and that I would be contacted if any questions were to be asked. Chase Bank has last stated to me that, since the transaction processed, that XXXX XXXX XXXX would have to be the one that has to issue a refund back to me, but will not, because they're telling me that I have to file another dispute with Chase bank.
Good Morning. 

I went to XXXX XXXX on XX/XX/XXXX for an minor incident. All my details were provided to the Hospital with my insurance card. My insurance was provided by my Employer and it's with XXXX XXXX XXXX. Hospital charged XXXX to my insurance and the claim was settled. Then Couple of months later received a call regarding doctor 's bill and asked for my insurance details. I shared them the same details which I shared with the hospital. After that, I did not receive any call or letter. 

A Year later, received a call from Collection Agency regarding this Bill. I was shocked and asked them for the claim details. They said the claim was rejected by my insurance company. So, I had a three way conference call between XXXX, Myself and Collection agency. My Insurance company confirmed that the claim was never submitted and only the hospital bill was submitted. My insurance company was ready to pay them if they can send the proof of rejection. They did not share any details but kept calling me everyday with a discounted price instead of sending the proof. I even asked them to send the Doctor 's Bill and Proof of rejection to my mail address - So, I can claim it directly to my insurance company. But, they did not send any info and stopped calling. Now, After almost 4 Years I got a call from a new company Phoenix Financial Service and they also gave me a discounted price which I am ready to pay. 
They also reported this to credit agencies as service date as XX/XX/XXXX and my credit score is reduced due to this. So, this Derogatory mark should be removed from my account.
On XX/XX/2018 they say I entered XXXX XXXX XXXX but at that exact month I was XXXX this is not mines my father has same name as me I wasn't released until XX/XX/XXXX so how could I have entered the emergency room
As filed various complaints against Prestige Auto Loans it appears that this company does n't want to restructure or lower my high interest rate of 17 % and {$440.00} and {$480.00} .Prestige administration and business partner XXXX XXXX XXXX XXXX XXXX , Texas and staff stated that I did n't have a problem in addressing on high car payment and high interest rate. I have a VA Mortgage payment and home expenses and why would n't address high interest and high payment on a car loan? I am XXXX and Retired and with a fixed income, if I was working and having a decent salary, than the picture of affordability changes. Prestige and XXXX XXXX XXXX lures citizens and Military Veterans with bankruptcy and disadvantage credit and promise them that their high interest rate and car loan monthly payment will be lower. Prestige special program in lowering your monthly payment and interest rate, is that a consumer give their bank information and have a bank draft so every month, your checking account be debited and company receives their money. If a consumer is paying their car loan on time each month for one year, why does he or she has to give their bank checking account information to get the benefits in interest and high payment reductions? Prestige stated if I do n't do their schemes I do n't get nothing and keep paying high loan payments and high interest rate.Prestige also stated that I file complaints to get over on them? How can I get over on them if I have a high loan car payment and high interest rate of 17 %? Prestige is a company that makes billions of dollars and they do n't have a Financial Hardship like I have. How many Consumers, XXXX Citizens and Military Veterans filed complaints against Prestige and XXXX XXXX XXXX for giving them promises and lies on their loans and vehicle purchases? Prestige is going to keep getting away with unlawful Federal Consumer Violations and taking advantage on hardworking american that has disadvantage credit and Bankruptcy on their credit report. A mounted of {$880.00} is going to be added on my XX/XX/XXXX loan payment and Prestige is going to start putting a repossessions collections on my credit report with XXXX, XXXX and XXXX. Why did Prestige and XXXX XXXX XXXX approve a vehicle loan if I was going through a bankruptcy chapter XXXX on XX/XX/XXXX? Federal Judge of XXXX, Texas Discharged Bankruptcy on XX/XX/XXXX. I made my first Prestige Loan payment on around XX/XX/XXXX or XX/XX/XXXX.
Capital One intentionally destroyed my credit. Capital One had incorrect information on me and did not notify they were about to report derogatory information on my CBR. I was finally notified by a representative 5 days ago and contacted daily sometimes twice when I became 34 days past due. The representative appeared to be unconcerned about my issues concerning the derogatory reporting. This was simply an oversight because I thought my spouse mailed payment as he mentioned he would. I have multiple accounts with Capital One and have never been a collection issue. Most creditors notify you prior 30 days past due to avoid derog reporting, so apparently Capital One had incorrect information.
I have called Capital One to dispute this charge and explained I was supposed to receive prescription glasses. I also explained that it took over four months to get any glasses and several emails to the company. What they sent where neither real XXXX glasses or prescription glasses. I have tried and tried to resolve with the company. When I originally called I was told this would be taken care of by Capital One. Then it was posted back to my closed account? I was told to send a letter to them which I did. The letter to capital one is attached and now they are stating that the charges will stay on a closed account? I will not pay for reading glasses i could have bought at XXXX. I will gladly send them back to the merchant if you can find them and get a return address.