WillisBack/dataset-financial-user-claim huggingface dataset:
I had purchased a home in XXXX. It was later sold to Greentree services. I had got married and when we decided to divorce. I was the only person who was working. I was working XXXX hours a week. When the plant stopped overtime I had gotten behind on the mortgage. I had got it caught up. Then in XXXX the XXXX ( I worked 9 years ) decided to close down. Before they closed I had gotten behind. I called and talked to a representative and he told me if I could catch it up before I lost my job. He would deferr my payment for 3months to help me while I looked for a job. I was to call on a certain day and talk to him. I did as he told me. But when I called him back on the day he told me. He said that he could n't deferr my payment because I did n't have a job? I found a job an hour away. When gas prices starting getting high in XXXX. I had got behind again. I started getting phone calls at work. In XXXX my wife and I decided to purchase a bigger home. I had called Greentree asking if I could sell the property and pay the remaining balance. I was told that I could send in an offer. That they sometimes accept lower offers. I had a sister that wanted to take over payments ( they said no ) and I had XXXX offers of {$25000.00}. I called and asked if the offer was accepted and they said that I did n't write down the dollar amount. I had faxed the offer and reasons on XXXX page? After the mortgage was foreclosed on. I found out that they had sold the property for {$4000.00}. And I owe the rest of the mortgage. After foreclosure process I had tried to set up some type of payment. But when I called and said that I did n't think it was fair that I had to pay the {$19000.00} that they lost by selling it their selves. And the woman rudely told me I had to pay all of it. After the foreclosure they had told me that since I could n't make a payment. I could fill out a hardship form. I had did as I was told and once again I was denied. Another problem I have is that on XXXX occasion when I was behind. They called my sisters ( that was on my account ) and my neighbor and had told them each how much I was behind and if I do n't pay the entire amount was due ( again told them exact dollar amount )
This complain is about Navient Corp and how they handle payments made toward the principle and interest. My wife and I for five years rounded up on our payments to Navient thinking the extra money paid each month would go towards our principle similar to other loans for housing or vehicles. This is not the case with Navient, in order to pay down principle a written letter has to be sent with payment explaining that the funds deposited are for principle and not paying interest. For years we were lied to about how this is handled. Should n't anything between the minimum payment and a payoff go towards principle. Why would would anyone intentionally pay off interest early. Personally I believe all extra funds deposited should go into an escrow account for the barrower until the end of the fiscal cycle. At the end of the cycle the barrower should be prompted to either use the funds for their first payment of the year or it should all be deposited against the principle. Thousands wasted and nothing to show for it. So much for trying to pay ahead and decrease the amount I owe over a period of time. Just another one of their dirty tricks.
I was called on XXXX XXXX on a debtor in the amount of {$4600.00}, and must pay in full or make an agreement to pay installments of {$100.00} a month until the balance is in full. I did my research, looked into my credit reports of any negative balances, collections and or debts on file, and there is no derogatory balances in my report. I did further research to call the banks, XXXX XXXX XXXX XXXX XXXX and Pennsylvania and both did not see on file the account number or my SSN or debt on file. This company in XXXX, SC is and has done ID scamming upon me.
this amazon synchrony card is running a scam. it is entirely unclear from their user interface on their website or with the help desk to determine your payments and current balance. everything posts on massive days delays. it is impossible find out how much to pay in order to bring balance down to zero. they are operating trying to catch people with late fees and such due to poor, inacurate, and delayed data.. what a nightmare. they should not be in business. they do n't even understand the balance due, how can a customer.
Receive phone calls on my mobile phone daily. I am usually unable to answer the calls, and there are no voicemessages left, so I am unable to call back. They also called my work, which is unacceptable. I work at a store and am not allowed to receive personal calls, I have never given out my work phone number, and I want them to stop calling my work before I get in trouble with management and my job is in danger.
XXXX  has been non-compliant with removing the unverified account NAVIENT which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that NAVIENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I signed up for secured credit card with initial deposit of XXXX XXXX and XXXX XXXX and had to move to new address before I receive the card. Now the CapitalOne team is asking for written address for change of address and dispatch to new address which would take atleast a month to arrive in form of utility bill etc. When I requested for cancellation of application and refund of deposit, I was told that check would be mailed to address on file ( which would be old address and no longer valid ) after XXXX billing cycles. When I requested for refund by ACH transfer, I was put on hold and disconnected after waiting for 50 minutes. When I called again, I was informed that my account has been closed and check would be mailed to old address
Just made a payment of {$350.00}  to   XXXX   XXXX   the  other day.     The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA sect ion 623.
On XXXX XXXX 2017 @ XXXX, a woman contacted a family member & informed my relative that she is calling to speak to me regarding " a legal matter that we have in our office. It is important she contacts us right away ''. That woman gave no regards to my relative requesting she contact me herself directly at the number provided. When asked for the company name, phone and her name ... she did not provide the company name or her name, but only provided the phone number for me to contact. She then ended the call giving no other opportunity for my relative to ask for her name & company name once again. On XXXX XXXX 2017 @ XXXX, I received a call on my wireless phone from a number located in XXXX XXXX , FL XXXX w/ no voice message left. However, the number that appeared on my wireless phone is the same contact my relative was given so I returned the call @ XXXX using that info provided. A male individual named " XXXX XXXX '' stated to me, " unless specific details was given to you or a message was left, disregard the call as I am not able to assist you ''. As soon as I ended that call, my employer was receiving a call @ XXXX from the same phone number. The receptionist greeted the inbound call accordingly stating the company name, and " XXXX XXXX '' proceeded to state " this call is in regards to the pending legal case we have in our office for XXXX ''. " XXXX XXXX '' disregarded the fact that he contacted me at my place of my employment even after the company was disclosed. All representatives involved in this situation from this company, XXXX XXXX XXXX XXXX XXXX, violated my privacy rights under the Federal Consumer Rights Act. As well as, prior to the rounds of calls placed in one day, no written correspondence was sent to me on any level ( via email or ground mail ). This company has a valid address to send correspondence to reach me at, which would allow me to respond accordingly. But instead opted to handle the matter by calling other parties unaffiliated to the matter on hand. Upon requesting for proof to validate call made concerning this " pending legal matter '', On XXXX XXXX @ XXXX, I received a correspondence via email from NCB with no signature or title of the person who the correspondence is from
You took out the loan with Western Sky Financial XXXX XXXX XXXX. The original loan amount was {$2600.00} on XXXX XXXX, 2012. I was charged an APR of 139.12 % daily. I have already paid {$6100.00}. XXXX back on this loan. I live in Pennsylvanian and payday loans are illegal. I did not know this at the time that is was not legal for them to charge me this excessive amount of interest. I have paid {$3500.00} over what was originally borrowed but I still receive calls from them daily requesting payment of a balance of {$2000.00}. This new balance is only because they have reduced the illegal interest to 6 % daily. I do not believe I owe this additional amount because I have already repaid my loan and a fair amount of interest on that loan. When I took out the loan they misrepresented the terms and conditions on the loan. According to those terms I would have had to pay back {$14000.00} for a {$2600.00} loan! I would have never agreed to this if the terms were clearly explained.
We applied for a pre-approval in XX/XX/XXXX with XXXX XXXX 's Company under American Financial Network. We received our pre-approval letter from one of XXXX 's account managers. Her name is XXXX XXXX. We originally wanted to go with, what they disclosed to be a first time home buyers grant that would account for 3.5 % of the home purchase price for a down payment. Come to find out later it that we only would qualify for this if the seller contributes to the closing fees. This was not disclosed to us up front. After that, she advised that we put down the 3.5 % ourselves, within the FHA program. She never considered that a XXXX conventional loan would be a better fit for us provided our good credit and income. A GFE or Loan Estimate was promised to us but never sent. We never felt comfortable in going with them as we felt they weren't being completely honest. On XX/XX/XXXX, one of her underwriters called asking for more information, I kindly informed him that we were looking at other lenders that would provide a better interest rate through a conventional loan. She then immediately emails me back stating the following. 

" I just called and left you a message. XXXX on my team let me know you are shopping with another lender for conventional financing, which is what we can offer too. Please note, your credit scores will drop if you allow other banks to run your credit which can hinder your financing. 

Please let me know what is going on, so I can reach out to XXXX as I went through questions and verification for your offer to be accepted '' Note, this statement about our scores dropping is untrue and she may be in violation of the dodd frank laws. This was a scare tactic in order to keep our business. This was poor form and bad customer service. My concerns is that XXXX contacted the seller 's realtor in efforts to jeopardize the deal.
Receivables Performance # XXXX ( XXXX, XXXX, WA XXXX ( XXXX ) was paid in full {$340.00} re : orig creditor, XXXX, XXXX and it states they were paid in full on my XX/XX/XXXX credit report. I have called them : NO RESPONSE. Why do n't they remove this " Adverse Accounts '' info when I fully paid them years ago?
I was on medicaid they had my medicaid information. 

PARAMOUNT RECOVERY PARAMOUNT RECOVERY Last reported : XX/XX/XXXX {$100.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$100.00} Highest Balance {$100.00} Opened XX/XX/XXXX ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX See an error? 
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. 

CHECK DISPUTE STATUS Creditor Information PARAMOUNT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I received a consumers report # XXXX from Experian stating that XXXX XXXX Acct. XXXX ... would be deleted XX/XX/XXXX. The date of that report was XXXX XXXX, XXXX. I requested and received an updated report # XXXX dated XXXX XXXX, XXXX. On this report I notice that XXXX XXXX Acct # XXXX ... was not going to be deleted until XXXX, XXXX. I worked on establishing new credit and in XXXX, XXXX I disputed XXXX XXXX and other items on my credit. They did n't remove it saying I had made payments since then, I did n't understand and continue do n't understand. I disputed again in XXXX, XXXX they refused even look @ it again. This account is listed as closed, yet it is reported as late every month. There are XXXX other accounts that are closed and also being reported as late. I believe these account should be deleted already. Finally, what is so puzzling to me, is my fico score has been consistent for months between XXXX and on XXXX XXXX, XXXX my fico score went from XXXX to XXXX. On XXXX XXXX, XXXX my score dropped from XXXX to XXXX but nothing changed on my credit file. The only reason I can see it changed is that I canceled another Experian product around that time. Things that right on my credit file should stay, but things that are in question or in error should be removed. Thanks for consideration.
I applied to get approved for my first mortgage, and the l oan officer told  me about a single collection account on my credit. Because my median score was a  XXXX , not  XXXX , I wo n't receive the a great rate. This collection was a complete surprise to me. I never check my credit because I heard it hurts your score. I just assumed that since I pay all my bills on time and do n't keep excessive amounts on any credit cards, there would be no problems.     The collection is from the company  XXXX   XXXX . They put it on my credit in  XXXX     2011 in t he initial amount of {$420.00}. It supposedly originates from  XXXX   XXXX   XXXX , an apartment complex in which I once lived, due to cleaning expenses.     I remember this charge. When moving to a new apartment in  XXXX   2011, the new  apartment complex  (   XXXX   XXXX   ) noti ced this on my background check. They required me to pay it before approving my new lease. I thought {$400.00} for cleaning was absurd, but I went to the old apartment and paid it along with my final payment.     I assumed it was water under the bridge until a few weeks ago. Last week, I contacted  XXXX   XXXX   XXXX , and they could find no record that I owed them any outstanding balance. I spoke to  XXXX , the offic e manager, w ho was helpful. I then contacted  XXXX   XXXX , and they could n't find any documentation to support the claim. Yet, they just pressured me to pay it and refused to remove it from my credit even if I did. I 've now started disputing it with all  XXXX  major credit bureaus. However, none seemed too enthusiastic to help. In fact, they told me that it 's not their job to ensure the report is accurate ; they merely report what 's told to them.   XXXX   told me this was my fault for not checking my credit.     I contacted  XXXX   XXXX , who was more than helpful by looking up 6 years in the past to find the exact check where I paid them. It was paid on  X/X/2011    with check number  XXXX .     If not corrected before closing on my mortgage, this error will cost me 0.50 % on my mortgage rate, which equates to about {$42000.00} of interest that I 'll be forced to pay.     The credit bureaus should be held liable for allowing fraudulent information on their report without doing their due diligence to ensure its accuracy. They have a responsibility to their clients who purchase those report and use that information in financial decisions. Furthermore, they have a greater responsibility to the public, whom eventually pays for their negligence.     Please, I need help. I 'm just one person who feels like they 're being disparingly treated because they may not have the financial means of others. I have a right, like any other, to ensure my history is reflected properly.     If the CFPB wo n't help, my next step is to consult with an attorney. I 've done everything I know to do without going further, but this must be rectified before it cost me thousands.
We checked our account today to find that it was OverDrafted after PNC decided to submit ODF fees into our account before processing our deposit that was made Saturday night and did n't process until Monday evening. 

We called them to try and get them to reverse it and they advised our account does n't qualify for that. Mainly because something like this happened back in XX/XX/XXXX and they were nice enough to do so then. 

I asked the rep how you qualify and he advised that they do n't have a set time frame for when you would or if you would again. 

I do n't know what else there is to do, it seems like PNC does n't care about their customers or the fact that their Virtual Wallet does n't update or process in real time. 

It does n't even keep a running balance when certain transactions process.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
This is a complaint from XXXX XXXX against XXXX XXXX , XXXX  and Westlake Services LLC for improper communication tactics and repeatedly repossessing my vehicle when I was not in default on the debt. 

On XX/XX/2018, we purchased a vehicle from XXXX XXXX XXXX for {$11000.00} ( VIN XXXX ). We financed the purchase through XXXX XXXX , XXXX. Over the next 9 months, we made our regularly scheduled payments. I understand that at some point during this time, XXXX lost its legal status in Arizona and the debt was passed to Westlake. 

On XX/XX/2018, the vehicle disappeared. We thought it had been stolen ; but as it turned out, XXXX/Westlake had sent a tow truck to repossess it. Because of the disorganization of XXXX/Westlake, we did not get the car back until XX/XX/2018. 

A Westlake representative informed me that the car had been repossessed because of a clerical error. Apparently their computer system showed another debtor as the owner. Because that debtor was in default, my car had been taken instead of his I was offered no remedy, and was assured that the problem had been fixed and there would be no further confusion. 

On XX/XX/2018, the car was again repossessed. Once again, XXXX/Westlake seemed confused and did not know the location of the vehicle. We were given no assistance in locating the vehicle, and had to do all the legwork ourselves to track it down. Fortunately we were able to retrieve the car the next day. We were once again informed that, there had been a mix-up with our vehicle and another debtor 's debt, and offered no remedy. 

Since the second repossession, we have been hassled by Westlake representatives with nonstop calls. We informed them of the mix-up between debtor accounts, but they will not listen. We told them that we had retained an attorney, but they refused to talk to him. We have asked for assurance that the money we pay toward the debt is going toward our debt, but they will not provide this documentation. 

We need assistance clearing up this problem. We have missed work because the vehicle was taken and live under constant stress because we are being hassled with dozens of calls from Westlake every day. We are scared that Westlake is going to repossess the vehicle again. We don't even know if our payments are paying down our debt or not.
I fell behind on my mortgage a few years ago due to legal issues surrounding my XXXX XXXX. I immediately began trying to work things out with my mortgage lender Wells Fargo but was met with resistance, indifference and obstruction and could not get them to review my financial information. As I fell further behind I was able to get some help from relatives and offered to bring the loan current with a large lump sum payment. However, Wells Fargo would not accept the offer because it did not include the thousands of dollars they had added in inspection, late, legal and junk fees. As a result I fell further behind and am now facing foreclosure. I have rebuilt my practice and also started a XXXX XXXX XXXX as well and make a solid living. However, Wells continues to push towards foreclosure instead of offering any reasonable alternatives for me to resolve this matter. I am looking for some help to get my file taken seriously and an accurate review conducted of my current finances by Wells Fargo. 

I have worked as a XXXX XXXX for the last 22 years, and we bought our home here in XXXX 17 years ago. I refinanced in XXXX through Wells Fargo in order to use some of the equity to invest into my business. I live in the home with my wife and XXXX daughters. In XXXX I had some legal issues and my practice suffered. I ultimately lost about XXXX XXXX of my clientele and at that time I defaulted on my mortgage. As stated, I immediately contacted Wells Fargo to try and work things out and get approved for a modification but the process was cumbersome and difficult and I could never get any traction. I was able to get some family members to agree to help me make a large lump sum payment to get caught back up on the loan but their agents refused to accept this offer because it did not include every dollar, quarter and penny of the late fees and legal fees that had been piled on my balance! I eventually hired an Attorney to assist but due to a missed court date my side of the story was never presented and I am now in foreclosure. 

As explained, I have rebuilt my practice and earn a solid living. I also started a XXXX XXXX XXXX and am making some money from this venture as well. I was recently offered a streamline modification with a monthly payment of {$5100.00} -- although I appreciate the fact that an offer was put on the table this proposed monthly payment is well over 50 % of my monthly income and not affordable. I know that there are other programs available that I would qualify for based on my current and correct financial information. I would like to see my case escalated and a full review of my current finances conducted.
Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.