WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, a large transaction in the amount of {$920.00} was debited from my checking account, made payable to the Department of Education. Previous monthly debits, for this company, were in the amount of {$75.00}. I immediately called Student Services, the company that had reached out to me in XX/XX/XXXX, offering to lower my student loan payments and get part of the loans forgiven under the guise of the Obama Student Loan Forgiveness Program. After hours of calling numerous customer care numbers, I still only had a recording answering my calls and no one had called me back. Finally, I called XXXX, the original owner of my federal student loans. When I mentioned the name " Student Services '', the representative paused, then carefully explained to me that " Student Services '' was a fake and I 'd been defrauded. I stayed on the line with XXXX for over an hour then called my bank, whom had already closed. The next day, I visited my bank regarding the fraudulent transactions and proceeded to the police department to file a complaint against Student Services.
I have sent 2 certified letters to HUNTER WARFIELD they have refused to acknowledge these letter for them to Only to ( VALIDATED ) this so called debt I Dont need a verification done I demand this debt to be VALIDATED by XX/XX/2018 received this Certified letter on XX/XX/2018 Tracking number # XXXX this company is demand they VALIDATED this debt they claim I owe. They have refused to VALIDATED this so called debt I will be filling a lawsuit against this company if debt not VALIDATED within the time allowed. Send results by email only @ XXXX UCC 1-308 WITHOUT PREJUDICE
RE: Citibank Credit Cards;I had my account on auto-pay when something caused the payment to not go through (XX/XX/XXXX  payment was rejected); I was NOT notified via phone of the issue, as I had previously asked. I opted out of auto dialer several times as I do not answer solicitation calls and they do not leave proper messages. I had asked them to call only with a live person if there was an issue with my account. When I called in they told be they used the auto dialer, of which I never received a message from CitibankThey reported me 30 days late to the credit agency without proper notification of being late. I had even logged on to check the account (since they did this one other time) and there was no notification that the payment was late or that the payment has been rejected. I have pictures of the screen to prove it.  This is deceptive practices and I feel I have not been protected as a consumer. I feel they are intentionally not making it apparent that the payment is late to get paid fees and penalties. They intentionally made it difficult see the payment was returned! I checked the website after the payment was supposed to go in XX/XX/XXXX  and again inXX/XX/XXXXand the system gave no indication the payment had not posted. I only noticed because I had not used the card and the balance increased from fees. I was 55 days behind with no knowledge. I have perfect credit other than this creditor, including holding many other cards that have never had this issue.The shady part was the transaction and activity section did not show any returned payments or a fees until AFTER I closed the account and paid it off.  This is a BIG issue for consumers and I feel they need to be investigated for this.
To Whom it may concern : XXXX XXXX from Weinmamn Acquisition Group called me today XXXX XXXX. He stated that I owed a debt that I told him repeatedly, That i had not taken out. At the time i allegedly took out that debt I was XXXX years old living with my mother. I never took out any debt or credit until i was at least XXXX. Despite the fact that I adamantly denied being responsible for this debt I felt pressured to sign the repayment agreement that he sent me because of his threats and coercion. I was told that if i did not sign it a sheriff would show up at my house and i would get judgment put on my name. I was told that i would have a judgment placed on my credit if i did n't sign regardless if it was my debt or not. He continued to threaten me. And even told me that he talked to the attorney to see if they would settle the debt for XXXX, even though i said i did n't remember opening this and I 'm only doing this because i want my house and i do n't want a judgment place on my name. Thinking i was going to get sue and have a judgment place on my name and threats of having attorney sent down and it would cost me close to XXXX. He even said though this is not my debt, its my best option to settle for XXXX. 

After speaking to several people in the financial industry who told me about the debt collection process and my rights in this area i was told to file a complaint with this bureau. I signed that repayment agreement under duress. I contacted the company that i had the alleged bad debt with and they confirmed that I did not owe them anything. I felt that i was lied to, threatened and manipulated. I want the agreement that i signed revoked because i only signed it based on untrue threats and manipulation.
I received a letter informing me that I have a collection of {$4200.00}. That they are a third party trying to collet this debt. They have all of my information correct. The debt is to a XXXX account that was opened in XXXX. I live in XXXX Idaho, the only XXXX that was here was opened in XXXX, then it closed within a year. I have never had a XXXX XXXX account. I have even contact XXXX 's XXXX and asked if an account was opened in my name or social security. Nothing came up, I was told that there has never been an account opened with my name or social security. I have even done a credit report and nothing shows up that I have had or have a XXXX 's XXXX account.
XXXX XXXX continues to report inaccrate information on my credit report with XXXX Experian and XXXX the credit bureaus fail to protect me as a consumer and do not follow the proper guidelines like XXXX XXXX reporting different open dates
last year XX/XX/2017, i answered an ad from my mortgage comp Wells fargo. 
# 1 home campus XXXX XXXX la XXXX//.XXXX  to refie my mortg with them i want to lower my monthly payments the promo they sent me was what I needed at the time, my job was suffering financial cuts Loan # XXXX. 
after drowning me with numerous documents requests back and forth with them, many times asking for the same documents over and over through out the year XX/XX/2017. 
they claim i do not qualify for the promo refie they sent me, instead they sent me documents to start a new mortgage that extended my current 30 term to a 40 year term. i went for it the new mortgage lowered my payments {$250.00} dollars a month i needed to lower my payments i went for it. 
in XX/XX/2017 the mortgage was tranfered to XXXX XXXX XXXX loan # XXXX XXXX.. i feel i was suckered in and was taken advantage of to bait me with an offer they knew all along it wasnt going to be processed/ instead the new mortgage sounded good at the time to extend the term 10 more years, now that i have gotten my feet back on the ground im sorry i went for it at my age XXXX was this bad practice on wells
I filed a complaint with the CFPB on XXXX/XXXX/15 concerning trouble I am having with my loan servicer, Ocwen Loan Servicing. In it, I detailed many problems I am having with their latest loan modification offer and gave reasons why it is totally unacceptable. ( Case number : XXXX ). Their loan modification gives me until XXXX XXXX to make my XXXX payment, but in their response to my complaint, they say they will not respond to it until XXXX XXXX, and to check back in as many as 60 days to see their response. As you can see, this is a problem, as in my complaint I have asked Ocwen to reconsider these XXXX terms and unsustainable monthly payment amount to something that is more reasonable. If they are unable or unwilling to respond to my complaint in a timely manner, than I ask that Ocwen extend the time for me to make my XXXX payment until XXXX XXXX, which is the same amount of time they are saying in which they will get around to responding to my complaint.
Hello, my name is XXXX XXXX my reason for contacting you is for 2 reasons. 
1 ) Wells Fargo has recently put a negative on our credit history that was in error by them, this HUGE matter is costing us tremendously, not only holding up our refi but may cost us in taking advantage of the recent low interest rates while we wait for them to take off the system. 
2 ) XXXX is the XXXX University that our daughter attended and now has a HUGE Private loan from. Our question and concern has been all this time WHY was she not offered and given a Federal Loan when she applied? The loan Dept at XXXX was very disorganized and not helpful. Our daughter should have qualified for a Federal Loan, she is XXXX and had great grades and was very goal oriented and dedicated student. To our HUGE dismay she was offered a Private Loan without ever an explanation of WHY she did n't qualify for a Federal. To date she has had this HORRIFIC LOAN that my husband co-signed unfortunately and so now we are affected as well. It 's been 7 yrs having this HUGE BURDEN on our credit but mostly our daughter who has struggled to make the HUGE payments all these years. She wakes up with this on her mind and goes to sleep with this last thing on her mind. It 's destroying our family not to mention our daughters HEALTH and future. She is not able to buy a home, have children, nor save her marriage due to this nightmare. She regrets ever going to college, I never thought I would agree with her. Please help us look into these matters ASAP. We truly need help NOW, we are trying to find a lender in order to refi and consolidate for our daughter. It 's time that something NEEDS to be done about this crime done by some Universities. Thanking you in advance XXXX XXXX XXXX or husband XXXX XXXX XXXX ) XXXX XXXX ( student/daughter ) XXXX. PLease I ask you for some help and guidance.
On Friday XXXX XXXX, XXXX Attorney XXXX XXXX XXXX XXXX XXXX. took out of my XXXX XXXX checking account as a Wage Garnishment XXXX without my approval for an old XXXX furniture loan debt that I had opened back in XXXX. This debt is over XXXX XXXX XXXX, and I have not had any communication with this debtor or any third company at all since XXXX. On top of that I called today XXXX XXXX, XXXX and spoke to XXXX and they confirmed that they no longer have record of this debt in their system and that this debt was sold to XXXX XXXX XXXX back on XXXX XXXX, XXXX. So, this tells me that XXXX XXXX XXXX XXXX have sold an 'old debt ' to Attorney XXXX XXXX XXXX XXXX XXXX XXXX and she went ahead and garnished my wages without sending me notification of this debt, without filing a judgement against me, nothing. She violated my legal rights as a consumer on numerous things, not giving me written notification of this debt so that I can attest if this debt is mine, also since this debt is over the XXXX of limitation for the state of NC which is 3 years in NC which is where I reside she ca n't file a judgement against me so she can not legally file a judgement against me, not only that she garnished my wages on a debt that is over XXXX XXXX XXXX which is another violation of my consumer legal rights. I am requesting that this attorney gives me back my money of XXXX} and writes me a check and mails it to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX NC XXXX or I will be forced to take her to court for XXXX violations. Please, help me resolve this matter at your earliest convenience. Thank you.
My latest credit report ( XX/XX/XXXX ) indicates a hard inquiry by " BRCLYSBANKDE '' ( XX/XX/XXXX ) and " XXXX '' ( XX/XX/XXXX ). It is my understanding this is XXXX XXXX and its affiliated companies and XXXX and its affiliated companies. 

For the record, I have not done business with any of these companies. I have not made a request for credit with any of your companies. I do not understand why these businesses would place a hard inquiry on my credit report. 

I would certainly be interested in an explanation by the Banks or businesses that placed this hard inquiry ; otherwise, I request that this hard inquiry be removed. 

I have mailed out similar complaint directly to the company.
Dispute unfair billing practice and billing error since XX/XX/XXXX been in dispute since back and forth with Citi Bank Sears Billing @ billing about credit never added back to account after numerous attempts to solve these issues. Credit that was given back for the months of XX/XX/XXXX, Through XX/XX/XXXX and XX/XX/XXXX through now XX/XX/XXXX has not been added to our account.proof of credit that was apply was put back in purchase for those months which explain our over payment to Sears Credit Card ( Citi Bank ) who refuse to investigate the unfair billing error and refuse to fix the problem and refund our over payment to XXXX XXXX
Debt validation request sent to collections agency Revenue Collect asking for proof of medical bill and break down of charges, along with my signature. Debt collection agency replied with personal information violating HIPPA rights.
Having seen ads on line about a XXXX XXXX credit card giving elite status miles ( XXXX ) on XXXX XXXX after spending {$40000.00} with the card, we applied for the card. Barclays Bank issues the card. We called several times and were told on the phone by the Bank representative that we could not apply directly for the Silver Card, that instead we had to apply first for the " XXXX XXXX '' card, and that after using it for 3 months we could upgrade to the Silver card. We explained that we only wanted the Silver card because we wanted the XXXX elite miles toward status on XXXX XXXX. We called several times seeking the Silver card, and each time were told that we first had to apply for the Red Card, and then after 3 months of using the Red Card we could upgrade to the Silver card. We were told that all expenditures on the Red Card would transfer to the Silver card as would the fee we paid for the Red card. So we applied for the Red Card, paid the fee, and used the card exclusively for 3 months ( forgoing use of other cards that offered other benefits ). In mid-XX/XX/2018 after we had used the Red card for more than 3 months, we called to upgrade to the Silver card. However we were told that there would be no more upgrades to the Silver card for the rest of XX/XX/XXXX. We were never told that upgrading to the Silver card was merely an option that Barclays bank could cancel at any time during our use of the Red Card. Had we been told that, we would not have applied for, paid the fee, and used the Red Card. We wanted the extra status miles based on our card usage for XX/XX/XXXX.
On XXXX/XXXX/XXXX I contacted XXXX XXXX and paid the final bill of {$1800.00}. Then over 1 year later starting in XXXX XXXX we started be contacted by ACEI to collect the final amount of {$470.00} ( +/- ). We have not only confirmed that our balance is paid in full with XXXX but I also have a final statement. I have explained this to ACEI and they do not accept that. Not only was I not made aware that this went to a collection agency but I also do n't agree with their added fees.
I currently have a HELOC with PNC Bank on my primary residence which has been in place approximately 10 years with 100 % on time payments. On XXXX XXXX 2017 I began the process of applying for a new HELOC on the same property with PNC. This is a first mortgage since there is no other lien on the property. 

Over the next 3 months I invested a considerable amount of time satisfying their requirements for income verification. I am a real estate investor which meant coming up with hours of documentation for them at my expense. 

Once my income was verified I was told we would need a full appraisal. We spend many hours and dollars getting the house in top shape for the appraisal only to be told we had to have a second appraisal. 

After the second appraisal we were informed the collateral was not satisfactory. Since that time I have made numerous requests for copies of the appraisals to discern what exactly did not meet their guidelines and if perhaps something had been misrepresented in one of the two appraisals. 

The only response I received was a mailed copy of photos from one of the appraisals. This was simply 32 photos of the home with no written materials of any sort attached. There was no description, no value attached, or any explanation of any kind as to the outcome of the appraisal. 

Since that time I have made numerous email requests to both my contact persons with PNC and neither will respond to me at this point or give me any reason why the 2 appraisals will not be released to me. 

Since this was a first mortgage on my property and I have an interest in insuring an accurate appraisal was done, I see no justification for the bank not releasing to me the appraisals so that I may fully understand the reason for my rejection. 

My wife and I have credit scores of XXXX and XXXX with no negative marks of any kind on our extensive 30 year financial history. If the reason for our loan rejection was simply the appraisal information, as was indicated to us, I think we have a right to at least receive a copy of those two documents along with an explanation of why the collateral is not sufficient, especially since it is much improved today over what it was 10 years ago when they first approved it for a first lien HELOC. 

Thank you for your help.
I sent a letter to Caliber Home Loans disputing the validity of the mortgage debt .I requested proof of payment for the fees Caliber Home Loans charged in escrow. 
Caliber Home Loans did not sent any documentation I requested it. 
Caliber Home Loans stated that will not produce or provide copies of invoices wherein I paid a fee for my loan. 
Caliber Home Loans keep sending fees breakdowns and payment history without any proof of payment! 
Caliber Home Loans will not provide copies of receipts and invoices because it is unclear as to how they relate to an error on the loan. Why Caliber Home Loans does not provide proof of fees payments they charge to my Loan? In the criminal world is called stealing. 
In addition Caliber Home Loans did not answer any questions i asked regarding the transfer and purchasing of my loan from XXXX to Caliber and new lender.
Ocwen submitted XXXX information misrepresenting the date of the " forgiveness '' as being XX/XX/XXXX when, in fact, the date was XX/XX/XXXX. The date is significant when filing state tax, as the state of CA does not allow the omission of the forgiveness as " income '' after XX/XX/XXXX. Furthermore, Ocwen sent a corrected XXXX but it did not reflect any changes in the incorrect date. The CA XXXX XXXX XXXX is under the erroneous assumption that the $ XXXX forgiveness occurred in XX/XX/XXXX due to Ocwen 's misrepresentation.
Closed on home XXXX/XXXX/17. Noticed that I do not have any signed copies that I signed with first title insurance. My loan officer made copies of the papers prior to me getting the binder. I contacted both offices prior by phone or email requesting information and this loan has sent sold to U.S. Bank. I do have bond for my property that appears to not have been signed at closing.
disputed multiple times about XXXXXXXX XXXX being reported as being late when in fact that account as been settled over 6 yrs ago. called the creditor which is XXXX and they stated that they haven't been reporting any late payments since its been settled. therefore Equifax keeps stating that they have verified the account as accurate when in fact the creditor hasn't been reporting any information to them. 

Called Equifax and relayed what XXXXXXXX XXXX had to say, and the person at Equifax says that I have to pay XXXX a month for a few month for them to remove the negative information.
WHAT DOES RACIALLY DISCRIMINATION MEAN TO A BANK / SERVICER / LENDER AND EVEN THE ATTORNEYS THAT REPRESENTS THESE AGENCIES? 
I got my mortgage loan from XXXX XXXX through a mortgage broker on XX/XX/XXXX. The loan that I agreed initially was not the terms that I signed during the closing. But before I signed the document, I called to the mortgage broker to get him to correct the errors. But the broker assured me that due to time restrain, we should proceed to closing and get he would get the pre-payment penalty restriction to be removed and Interest-Only changed. After closing I called several times but to no availed. Meanwhile I was still making my pay and hoping that the error would be corrected ; but to my surprise from the Servicer at that time ( XXXX XXXX XXXX ), I could not refinanced the loan without paying for the prepaid penalty. 
On XX/XX/XXXX, since XXXX XXXX XXXX was handling the file, I decided to request for the Beneficiary of my house Note. These requests continued until XX/XX/XXXX, when XXXX produced a fake name of a Beneficiary ( XXXX ) and address of which a certified mail was returned undelivered. 
On XX/XX/XXXX, the Servicing of my loan was transferred to Ocwen Loan Servicing. I continued to request the same Note Holder 's information and the title information, but always receiving partial documentation ; hoping that I would stop my requests. 
On XX/XX/XXXX, Ocwen handed my file to XXXX XXXX XXXX XXXX XXXX for trustee sale. I tried to contact the trustee by both telephone and a fax within 20 days of Notice of XXXX to talk to them, but they refused to answer my correspondence. 
On XXXX XXXX while the trustee was preparing to auction the house, I found a House Bill Report XXXX XXXX which proof that I was within my legal right to request all the documentations and also meeting to resolve the issue before even the Notice of Default could be issued. Even though, the Trustee stop the foreclosure for the " meet and confer '', it was for a short time. It was my understanding that Notice of Default could not be issued until " meet and confer '' had been satisfied. But, Ocwen Loan Servicing and XXXX XXXX XXXX XXXX had teamed up and turned a deaf ears on my requests since I 'm XXXX and having a house in a most sought for in a XXXX XXXX XXXX, had blindly ignore the law and continue to harass me with their premature foreclosure notices.
XXXX XXXX  XXXX is showing that I am 30 day late for XXXX. 
My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.
I filed a case and the case number is  XXXX . Chase responded but did n't refund.The problem is not solved. But the case was closed.   Please investigate this case.   Please tell me if you need any documents, including tons of emails.
I recently visited Experian, XXXX, and XXXX websites and purchased the credit score and reports products. The issue is that when I apply for loan through a lender all XXXX credit scores were completely different and drastically lower than what the website showed compared to what the lender provided me with. I contacted the XXXX credit bureau 's and they told me my score was based off educational score which when explained to me did not make sense. I then contacted lender and went to there office provided the online scores from each credit bureau 's. The lender explained that scores would vary but should n't have varied that much. Experian shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX.