WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 I agreed to the settlement my private student loan from XXXX XXXX with XXXX and Navient, and received a Settlement Agreement document via email with the settlement plan on XX/XX/2017. The " plan '' as stated on the document was that XXXX would debit my account for {$2500.00} on XX/XX/2017 and the remainder of the settlement amount which included ( 3 ) payments of {$490.00} to be automatically debited from my account on XX/XX/2017, XX/XX/2017 and XX/XX/2017. The payment on XX/XX/2017 was not automatically debited from my account, so I called to ask what happened and was told they could not find my account number, social security number, or reference number as stated on this document. When I called Navient I was told that this loan is now with a different agency ( XXXX ) and this agreement with XXXX is now void and would need to setup payments with the new loan servicer. This is a breach of agreement both on Navient and XXXX. This settlement conversation was made on a recorded line, where these payments were setup to be debited from my account and account settled in full. Navient told me that I did not comply with my settlement amount and that the total amount was all to be paid by XX/XX/2017 - which was not what was sent to me in the Settlement Agreement document. I told them I had a copy of this document which states the payment amount and dates that we agreed to, and can I forward this email to them that was sent to me from XXXX. I was told that I could not email it and I would have to mail it to their mailing address. I have previously sent and received emails from Navient, so I know email is a method they use for communication. After asking to speak to a manager 5 different times, I was told to call a different number ( installation processing department ). By this time, I had explained this situation to 5 different representatives and no one could seem to understand or even care ( despite I had documentation that this is a breach of agreement ). I spoke with the installation processing department and she gave me a direct email address to send the document to, and said to call back in 7 days to see if it was received. In the meantime, I am now getting calls from a different loan servicer everyday ( XXXX XXXX XXXX ) to setup payments on this same loan of which I 've already made a settlement plan with a different company ( XXXX - a which can not seem to find my social security or account number, but debited my bank account for {$2500.00} for the initial payment of the settlement just 3 weeks ago ). This particular loan has gone from Navient, to XXXX, to XXXX, back to XXXX - so I never know where it is until I start getting harassing calls from the " new '' company that now has the loan. I am trying to repay but they are making it impossible and a uneasy experience - I feel like I 'm throwing money in all different directions and nothing is being paid off.
I originally scheduled my closing for XX/XX/XXXX. Four days before, I was told that would n't be possible. I received an extension from the seller and scheduled closing for XX/XX/XXXX. Two hours before closing, I received a call saying the closing was n't cancelled. I was told my seller would be notified. They were n't. They contacted me to find out why the closing was cancelled. I 'm still trying to close on the house, but it 's looking doubtful at this point. I 'll likely need another extension from the seller. During this whole ordeal, my loan officer has uncommunicative for days at a time. He also repeatedly he would call me by a certain time, and I would n't hear from him again until days afterwards.
Hello, I have a credit card with HSBC Master card with a {$3000.00} charge from a balance transfer that was not received and nobody knows anything about. It was applied on XX/XX/2018 and supposed to have been canceled 7-10 days later. I have called several times in the last 4 months and nobody knows anything or can solve the problem. I keep getting transferred from one know-nothing to the next until I am put on hold and hung up on. The charges are continuous with no resolve in sight. PLEASE HELP
Applied for a credit card to use while traveling. I was notified that i was approved, but did not receive card in the mail. I called usbank to get a replacement card, and i finally received it 33 days later via XXXX. This was 2 days prior to travel when i received my XXXX card, and somehow I was supposed to be clairvoyant enough to call usbank and inform them that my wife would be travelling with the new card. Since, I lacked this ability my wife was unable to use her card for half of her trip. She could n't buy cgas or food when returning from California and called me in a panic. I called usbank and spent several hours on the phone trying to convince them that my wife was travelling and making legitimate purchases as an authorized user. Nevertheless, the computer was convinced that she was a crook and there was nothing any human being could do to override the computer. The only option they gave us was to call every time we wanted to make a purchase which we said was unacceptable. No other options were given even after escalation. Because this was the only card she took on her trip, my wife was reduced to begging family members for money to make it back home. As cardmembers, we expect to have XXXX access to our available credit. Somewhere the system at usbank is broken, and the customer should not have to suffer with unacceptable options as a result.
I used a credit card with city bank and paid the full balance on line. I had called customer service to make sure not late charge will applied because I was not sure on the due date. After paying online they assure me that late charge will be taking care. City bank keep the late fee and kept charging me late fee after late fee. After noticed an email from the credit card I noticed a balance due. I called them and the customer service representative was very rude and I was treated horrible. I ended up canceling the credit card but the way I was treated was not right.
During the last 3 weeks, ive had the XXXXXXXX XXXX XXXX XXXX store in XXXX illinois make unauthorized charges to my payroll card, and XXXX has refused to reverse the charges. 

They have on 3 seperate occasions " XXXX out '' my account, the first time taking XXXX. And change, the second time XXXX, and the third time {$1.00} The payroll company wont refund the amounts, and XXXX is simply charging my card, even though ive never given them any authority to take money, without my SPECIFIC PERMISSIOXXXX. 

I have paid on my account at XXXX with this account in the past, however they took it upon themselves to take my debit card number, store it, and then choose to take every cent that was on the card at their convience, when i didnt call them to pay.
Caliber Loans keeps paying the wrong property parcel ID to my town so effectively my taxes are unpaid and I now have a lien threat or actual lien on my home. I 've been calling them and faxed them the tax notices at least XXXX time since the issue began in XXXX of 2014. I can only reach the customer service dept and they ca n't do anything and I ca n't call the tax research dept who is responsible for fixing the error. The parcel ID needs to changed, I provided the information and nothing has ever been done to my knowledge.
XXXX client, XXXX XXXX is a victim of identity theft. She received a notification that someone used her information without her consent to apply for an account with XXXX XXXX  XXXX XX/XX/2018. An inquiry is being reported to XXXX, XXXX and XXXX credit bureaus. Shortly after she received another notice concerning an application submitted to CitiBnka, NA ( CBNA ) the same date XX/XX/2018 that also resulted in an inquiry into her credit reports. Both banks were sent formal disputes of these actions XX/XX/2018 certified mail with return receipt. As of this date neither of these banks have replied with the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.
Equifax was breached and my information, according to the website, " may be impacted ''. They failed to disclose this in a timely matter and are leaving the protecting of my information in my hands rather than actively protecting their customers.
I have and old XXXX XXXX vehicle loan on my credit report. The account is showing status as XXXX-XXXX days late. Its completely inaccurate because account is paid and closed since 2011. I contacted XXXX XXXX  about account. They agreed to clear it up but Equifax refuses to fix account status even though account is closed and paid. The account status is obviously inaccurate because I contacted XXXX XXXX and they said that the did n't even report the payment history for that account so that should have fix.
I was not given any notice prior to Webber Oclese seizing {$1800.00} from my bank account on XXXX. They admitted to not having my contact info?
Navient has deemed a debt marked as  Default. R eopene d the Defaulted Loan and changed to Deliquent. There are no payments or any authorization for this this. The company  will not forward me any documentation in terms of payments and how much money was allocated towards these payments from before the loan became defaulted. Incorrect billing and lack of information from Navient.
Debt collector of CashNetUSA have been calling me multiple times, 3 times a day. Everyday they call me.
I've followed the instructions on Equifax’s TrustedID Premier website and cannot access the site. I've used XXXX and XXXX browsers but the TrustedID Premier website is experiencing continuous outages and the customer service phone number has a long wait times and busy signals.
I contacted XXXX XXXX XXXX to have my extended warranty cancel they refused to do so stating that money would not be returned back to us then it will be applied to the lien holder which is Credit Acceptance. After contacting Credit Acceptance they refused work with us or lower our payments due to hardship and stand they repossess my car then they have a repossession showing on my credit report only after a week the car was taken not even contacted me or giving me an option to try to resolve the issue I would like for you to contact when Insurance Company as well as credit acceptance to resolve this matter is false advertisement. The purchased of this vehicle was fraudalent from the beginning with XXXX XXXX, XXXX XXXX and Credit Acceptances. They are all involve in scamming customers
The Current mortgage loan servicer, Pennymac Loan Services of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX does not possess an indorsed promissory note from the original servicer of the loan, XXXX XXXX XXXX XXXX. In fact, XXXX XXXX XXXX XXXX noted that it has lost the possession of the original note as well.
I am contacting your agency in hopes you can help me get my money back. I have paid several companies thousands of dollars for various online businesses related and XXXX XXXX XXXX XXXX was one of them. They took my money under false pretenses. I paid them with my MC ATT Universal Citibank card on X/XX/2016 for {$690.00} then another one at the same day of {$19.00} and another one on XX/XX/2016 of {$6900.00}. They promised me a second web page and a profitable online business. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfil their end of the deal. I know its been a while but I need your help in contacting my credit card company so they can open an investigation. I am seeking your help. I am in debt and all I wanted was an extra income. I hope you help me get my money back. Thank you
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
CAPITAL ONE AUTO FINANCE XX/XX/2016
XXXX XXXX : Initial Question/Comment : Mortgage refinance interest reporting form XXXX for loan XXXX was not issued XX/XX/2014 to XXXX. 
Interest deducted from loan XXXX itemized tax XX/XX/2014. 
Loan XXXX closed XX/XX/2014, interest for XX/XX/XXXX, XX/XX/2014 was reported. 
Interest on loan XXXX not reported for the time period of XX/XX/2014 thru XX/XX/XXXX closing of loan.
We opened this account in XXXX and paid on time each month until XXXX XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to Ally until we dismissed the bankruptcy in XXXX or XXXX XXXX. Ally is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.
I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : XXXX XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
I am a victim of the Transunion inquiry issue and after speaking with them they denied to service my request to have inquiries removed.
I have just successfully started credit freezes with XXXX and XXXX, but I have had problems trying to initiate a freeze with Experian. I first tried to do so at Experian 's online freeze center, but after entering relevant info, including SSN and other details, I was told that my account could not be established. Some of the questions that came up along the way seemed irrelevant to my credit history. I then tried their phone, based on info at their website : XXXX. I talked to someone and repeated the relevant info, and that person kept asking me questions, some of which seemed irrelevant to my credit history. After roughly half an hour, I had to terminate the call without resolution. I have since tried to recontact Experian. When I go to their website https : //www.experian.com/help/ and click on the options for a freeze, I repeatedly am directed to a screen that fails to load : https : //www.experian.com/ncaconline/freeze This has been the case for the past 24 hours. I also have gone back to the same phone on which I had talked to an Experian agent ( the number above ), but when I do so I am first asked for my SSN, and when I enter it, I am given an option to get my credit score but it has so far been impossible for me to speak to an agent there. I am therefore locked out from online help and from phone help, and their info provides no other ways to contact them.
I was given an American Express gift card at my retirement luncheon. The gift card was inside a greeting card envelope and somehow, I believe it fell out of the envelope as we were leaving the restaurant. I called the restaurant and they reported an unsuccessful search of the dining area and outside on the street. I also called the local police in case someone found the card. I immediately called American Express ( Classic Card ) services and they told me to get a copy of the receipt. I got a copy of the receipt and faxed it to the number they gave me. They took about a week, and I received a " reference number '' along with a response : " Based upon the information you provided, we are unable to locate a valid Gift Card number ''. I called American Express again and was told to contact the seller ( XXXX ), and they provided me with the last XXXX digits of the card ( which was already available on the receipt ). American Express provided additional steps that I should take : Contact XXXX and request a " PROXY # or SERIAL # '' from the XXXX store journal. I made another call to XXXX and was told that I would have to talk store security. Security was very nice, but denied me the information unless I went to my local Police Department and had someone make " official '' contact. My local Police Officer was very nice and tried to cooperate with XXXX, but ended up with NO additional information, only the last XXXX digits again. Another call to American Express and the shared their regrets and said I was at the end of the search ... they could not help me further.
I took out a payday loan with " Moneytree '' that, unbeknownst to me, was written to come due 3 days before my payday. I submitted my application online and when I went into the branch location I didn't have my glasses with me so when they had me circle the payment due on a piece of paper I asked " this will come due 2 days after payday my - right? '' the Moneytree employee told me " yes. '' What is the point of taking out a payday loan that is due before payday? I could of bounced a check without Moneytree. I was under the impression I was taking out a payday loan - not getting money fronted to me in a scenario in which I have no chance to repay on time. 

Why do they require an applicant to submit paystubs that clearly show I get paid twice a month ( XXXX and XXXX ) then write a payday loan due on the XXXX? 

Is that legal? I bargain in good faith so I will payoff the loan on XX/XX/XXXX ( payday ) but there are penalties and fees I am being saddled with. 

Again, I took out a " payday '' loan and paid it back on the XXXX payday from taking out the loan. They wrote a loan due before the next payday which is indicative of poor loan underwriting on the part of Moneytree. 

Irrespective of my case I strongly feel government scrutiny is needed because of Moneytree 's suspect business practices. 

Thank you for your time in this matter. 

XXXX XXXX
XXXX XXXX Opened XX/XX/2018 for the amount of XXXX I wanted to pay this off and have it removed from my credit report. They refused. I have not had this problem with 1 other company I asked to do this.I am trying to buy a house
XXXX XXXX charged my account for a reservation that was canceled in an adequate time frame however my account was still charged for a no show reservation. When I called CHASE, the representative XXXX wNted me to wait 15 days for my provisional credit - to allow the merchant to return the funds of {$86.00} - which I have already called XXXX XXXX to return - to which they would not agree. 
Thus, Id be waiting 15 days for no reason. 
Not to mention - when I asked XXXX for her supervisor, she said there was none and would NOT tell me her employee info or locality, so that I could properly file a complaint.
Unknown to me, XXXX XXXX XXXX XXXX sent my closed account to a collection agency, Credence Resource Management, LLC. XXXX XXXX XXXX had not informed me of any bill due. I had no idea. In the meantime, Credence Resource Management calls me over a XXXX times a day from different phone numbers. They do n't leave messages and when I answer they will not tell me what the call is about. I asked and they said they could not disclose. These people have called day and night, weekends, evenings, mornings, at all times.
It shows on my credit report that my student loans are delinquent and they are not. I would like to have that off of my report.
I am trying to get a lien release from CitiFinancial Corp. the lien was applied to my Property in Kansas with a loan for siding in XXXX. The loan was Paid in full in XXXX. The Lien is keeping us from the home improvements we need to make to our home. I began requesting the release of the lien on XXXX XXXX XXXX, XXXX through the Loan Company then by myself since XXXX XXXX XXXX.
I have several small credit card accounts issued by Synchrony Bank I have had automatic payments, Synchrony Bank has repeatedly run a credit check every 6 months or so, and if they do not like your score, they lower the credit limit, which in turns lowers my score because it looks like the utilization of the balances is higher. My husband has a decent score and has automatic payments and he too has been a victim of this practice. This needs to stop. It is leaving me with no choice but to close the accounts. They are making me look bad.
This is a business and someone named XXXX XXXX called to verify employment asking for personal information about our employee including his social security number and when we ask them who they are and what it is for they are evasive. They have called two days in a row after being told we would not provide the information they are requesting. I looked their number up online and there are multiple complaints that this company is called RNN Group and that they are shady. We want their number blocked from the ability to call and harass this business.
Upon reviewing my XXXX credit report I recognized that I have XXXX hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. 

Upon reviewing my TRANSUNION file I also noticed 3 hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX wf/dillards XXXX XXXXXXXX XXXX  XXXX that is showing for XXXX and XXXX
I Multiple times I Tried to fix the Problem Whit Chase but no Answer. Only I got Was A Copy of The XXXX The IRS Is Awear Of Chase Filing.Account Details Last Reported XX/XX/XXXX Creditor Name CHASE CARD Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$3500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$3900.00} Highest Balance {$3900.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$3900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor ... and is Inaccurate Information in The reporting..in Violation Of FCRA, TCPA And Others Federal Regulations ... And Violation Of My America XXXX  Act Rights by not offering any Acomodation..
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 

Bankruptcy Chapter XXXX-dischargedLLY FINANCIAL, Bankruptcy Chapter XXXX-dismissed, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There are also a number of inquiries that I did not approve to happen. please delete these as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I received a call from New Era Asset Management asking if I knew XXXX XXXX. I asked how they got my number as I am not XXXX XXXX but am related to a XXXX XXXX. I Asked why they were calling me and they asked me to pass on a message. I said no ( not so politely ) and they hung up. I called back and spoke to the same person XXXX XXXX XXXX XXXX that had just called ( this time politely ) and asked them never to call back, and he hung up on me. I am afraid they will continue to call me XXXX XXXX XXXX XXXX on my work phone to try and collect a debt that has nothing to do with me.
These are errors:XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX