WillisBack/dataset-financial-user-claim huggingface dataset:
I was recently unemployed and fell behind did everything in my power to keep up however loss mitigation seems to deter me at every chance after submitting all required documentation they would state they needed just one more document then I would send it then they would do this several times in the end denying me for missing documentation and that I would need to start the process all over again they did this three times to me I cant get caught up due to late fees and they refuse to accept payment and I asked what that is for reinstatement they said they dont know they would need to pay XXXX dollars to lawyer to get that information and it could take over a two day period this is ridiculous I owe XXXX thats it and they cant help me catch up
I received a loan 4+ yrs ago from ACE Cash express for {$200.00} - {$400.00} and I have been getting threaten calls saying that they will put me in jail for owing them after I informed them I didn't work anymore and I assumed it was paid off because they wrote it off on there taxes also that they took it out of my account 3 yrs ago. That is now closed. They called my family member today and left threaten calls on there phone and continue to call blocked. It's also been taking off my credit report.
I submitted a complaint on XXXX/XXXX/16, case number XXXX, regarding tax lien Case or ID # XXXX. A few days later Equifax responded that the tax lien has been removed and will mail me a conformation letter. 
I received the letter, which I have attached, and clearly states that the record is reporting correctly. I obtained my Equifax credit report the same day and sure enough the tax lien is still on there. I 'm asking, once again, that Equifax remove Case or ID # XXXX from my credit report as it has been withdrawn and should not be on my credit report.
I have sent a letter to Northstar Location Services informing them of a do not call and disputing the debt. We received phone calls repeatedly almost every half hour each day and leaving multiple messages. Just today on XX/XX/2016 at XXXX, I received a phone call at my place of work which is a government complex and did not give them consent to do so. This company and violated the FDCPA by contacting my place of work which is a government institution and should not be receiving outside calls such as this.
I have made several attempts on my own to reach a understanding of the additional fees accumulating on my account and was unsuccessful. In XX/XX/XXXX, I asked an attorney to assist with reaching a resolution. The attorney sent a letter and was able to get a full detailed record of the account in XX/XX/XXXX but was unable to get a response to the request to explain the fees, which was the original request. The attorney representing me was referred to a attorney at XXXX XXXX XXXX and she was told they have only two attorney 's and they would get back to my representative as soon as they can. As of today, my attorney has followed-up with several phone calls and no return call or letter response received. I would like to reach a resolution for this account but unable to get answers from anyone. Its been more than six months and we have not been able to talk to someone.
I have been making payments for my parent plus loan via Navient and utilizing my electronic bank payments to do so. It seems that my payments have been received, but distributed to payments upon my brother 's loan and my loan resulting in multiple late fees and issues with both loans. Upon calling Navient customer service to discuss this issue, I was informed that they would not speak to me about my loan because the loan was a parent plus loan and that they would then have to speak to my father. I explained that my name is too on the loan, as it was a loan taken out in my name for me to go to school with no such success to dispute this issue.
We refinance our loan with XXXX XXXX. Balance of escrow for {$890.00} ( due by Chase ) was never received. We called ( with my Broker ) Chase Mortgage customer service around XX/XX/XXXX and were told the check has been sent on XX/XX/XXXX to our personal address. Not received. We called again on XX/XX/XXXX and were told a check has been re-issued on XX/XX/XXXX and sent again to the same address. Not received. Desperately, we asked for a new check to be sent to our business address. Not received.

While looking for a solution we asked the check to be sent by registered mail, or to a Chase branch in XXXX or XXXX for pick up. We also asked for a bank wire to my XXXX XXXX account. Chase declined our requests.
I have multiple charges for  XXXX  declining fees when I have n't used this card in months!!!! I want t dispute the charges and decline whoever is charging on my card.
IC System keeps contacting me. I set up payments with them and there was some glitch on the second payment so they called me and demanded immediate payment, giving me a deadline of 3 months. I disputed the amount of this collection and only set up the payment plan so they would stop harassing me, but it looks like they plan on harassing me either way. When they call, they refuse to leave messages.
My dispute has to do with a Citibank, NA Master Card. In XX/XX/2018 fraudulent charges appeared on the activity page on Citibanks website for my card. I notified Citibank and told them of the fraudulent charges. They closed the account and issued me a new card with a new account number. However, when they brought charges over from the old card these included the fraudulent charges. I notified Citibank by phone and was told that the error would be corrected. At the same time, I discontinued use of this card. From that time until the end of XX/XX/2018, I have received no statements nor any other correspondence from Citibank. These accounts had been setup for automatic bill payment. 

In late XX/XX/2018, I received a notice dated XX/XX/2018 from XXXX XXXX XXXX stating that they were attempting to collect a debt owed Citibank for the Master Card in the amount of {$200.00}. I attempted to go onto Citibanks website to view any activity on either of the cards. No information was available because the accounts had been closed. I then called Citibank at the customer service number listed on the back of the card and was routed to their internal credit collections department. I explained the situation to them and asked for copies of the statements showing the activity on the master card. I was told that since the amount on the card was now in collections, they had no information. 

I then contacted XXXX XXXX XXXX and made the same request. They told me they would send me 12 months of statements. To date I have received nothing. 

On XX/XX/XXXX, I received for the first time a statement from Citibank for {$200.00} plus {$37.00} in fees plus {$2.00} in interest. I contacted XXXX XXXX XXXX by phone and email but have received no response from them. I contacted XXXX credit collection bureau again and was told this time that they would provide me with the last 12 months of account statements but it would take 30 days. They refused to discuss the additional fees and interest charges. 

This has effected both my husband 's and my credit score. We have excellent credit. My intent is to get this resolved as quickly as possible but I am receiving no cooperation from either Citibank nor XXXX XXXX XXXX.
The banking system of the USA has failed us all. 
1 ) I use my Wells Fargo VISA card to purchase a new computer from XXXX. The funds ( {$1800.00} ) are taken from my account the same day ( XXXX/XXXX/16 ) along with another amount for a computer speaker system. I receive the speakers a few days later and the computer itself another few days later via XXXX. My funds are tied up in the system for approx. 5 days. The computer 's power supply fails a few days after receiving it. I return it to a XXXX XXXX store on Sunday XXXX XXXX 2016, they ( allegedly ) order a replacement advising me to pick it up on Saturday XX/XX/XXXX. it is not there on the date promised so I return on XX/XX/2016only to learn that the replacement was never ordered. I demand a refund and only after escalation do I receive a piece of paper claiming to be a credit issued to the Wells Fargo Visa card I used to purchase it. I have at this point not had access to my $ $ for 18 days and have no product. 
2 ) XXXX/XXXX/16 the alleged refund is not in my Wells Fargo account and after repeated requests for assistance ( my wife and I are both XXXX on a fixed income ) Wells Fargo refuses to honor a fraud claim against XXXX XXXX and continue to refuse to immediately credit my account in full per the card holder agreement, instead deciding to earn $ $ on my pending $ $ by not crediting my account. THIS IS LEGALIZED THEFT BY THE BANKING SYSTEM! 
3 ) Assuming that the alleged refund gets credited to my account tomorrow morning, which I do not believe will occur, I have been without $ $ $ in my Savings account for 19 days when it could have been earning me the pittance of interest that the system pays depositors. No one ... NO ONE ... is willing to satisfy a longtime customer. It should be a no brainer, honor the cardholder agreement and immediately credit my account pending the refund from the vendor. It is apparent that no one monitors Wells Fargo at the Federal Level. If I am WRONG then PROVE it to me by penalizing Wells Fargo for their indifference to a true need. The only reason the computer was purchased is because a similar unit was STOLEN from me on XXXX/XXXX/16 as part of a home burglary, where I have the perpetrator ON VIDEO and the POLICE ( who were given the video and name of the perpetrator ) will not make the effort to arrest him and his accomplices. If they wo n't do this, AND IF your organization ca n't help the common man then I HAVE TO ASK " What good ARE you? ".
I was notified recently there was a charge off from XXXX XXXX XXXX/XXXX while attempting to acquire a home loan.  I contacted the lender and we agreed to a settled amount.  I asked that the item be deleted from my account as I never received notice of the outstanding debt via certified mail.  They refused.  They were only willing to show the debt as paid for less than outstanding amount.
- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX -  {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR TRANS UNION XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX  sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!
Was contacted by a lawyer representing an apartment leasing company that I had rented from XXXX XXXX to XX/XX/XXXX. They are attempting to collect {$870.00} for XXXX XXXX rent even though I had vacated the property at the end term of the lease. They have threaten to now ruin my credit by not paying them for rent I do not owe them.
I show that all credit reporting companies are putting the credit run by my existing accounts to verify credit if it get increased or there normal check up shows up like i asked for a new account. 
I have had my loan for home be bought out 3 times now. I show XXXX on my account now twice that is normal because they purchased the loan that is not me checking for new credit. It was XXXX now XXXX XXXX that has my morgage, XXXX : It was run on XXXX/XXXX/XXXX and XXXX XXXX so that is normal for a home lender. Please tell them i should not have this against me. 

Also i have XXXX XXXX XXXX account i have had a long time. They moved over my accounts and merged the total on some to increase XXXX card that i use to higher total. I now have XXXX XXXX XXXX on their too. XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. Existing accounts. 

XXXX XXXX - I have no clue who this is but i have a feeling since it is the same date as XXXX XXXX this is the same thing on my file showing pulled credit. 

XXXX XXXX These are the same people and i do n't recall them asking to pull credit. 

Who is this and i have no clue who it is? XXXX Transunion : They have the exact stuff XXXX XXXX and XXXX XXXX XXXX please resolve and take off.
Real Time Resolutions has been repeatedly calling my about a debt which they have incorrectly attributed to me. I have attempted to have this rectified but the company refuses to inform me of what they need to remove this from my record or to stop calling and mailing me about this individuals debt. The person they are looking for has a name similar to mine, but is not me.
On XXXX/XXXX/XXXX I paid my Macy 's American Express card on time in full {$250.00} at the Macy 's store in XXXX, ME. I had tried to pay for weeks online, but the website was not working, nor was the phone payment feature and I could not get a representative despite calling multiple times for weeks, being put on hold for over an hour and then being hung up on. On XXXX/XXXX/XXXX I received a letter saying my account was overdue. For almost two weeks I tried to get through to customer service. On XXXX/XXXX/XXXX @ XXXX I spoke with XXXX who said the payment of {$250.00} was accidentally credited to my Macy 's line of credit not the American Express Line. Keep in mind I was receiving no paper statements and the Macy 's website was not working. XXXX verified that the payment was made on XXXX/XXXX/XXXX and applied the payment to the correct account ( American Express ). She also said she waived the late payment charges and interest. She also confirmed that she had closed both accounts and would send written verification ( she confirmed my address ). I never received written confirmation that the accounts were closed and my Macy 's line of credit remains open. For months I have been receiving calls ( 4-5 per day ) from a XXXX number leaving vague messages about a Macy 's American Express business matter. I looked the number up and it was reported as being phone fraud. In fact when you answer and actually get a live human the first thing they say is " tell me your account number. '' Just in case, I called and checked my account which said I had a XXXX balance. I have not received a paper statement from Macy 's for over 6 months and the last online statement available is from XXXX XXXX. Frustrated with the calls I called the Macy 's number on XXXX/XXXX/XXXX @ XXXX PM ) listed on the Macy 's website which went right to collection services. Collection services verified with Macy 's that on XXXX/XXXX/XXXX when I called the correction was made to my American Express Account, but the representative forgot to waive the late payment and interest fee. They transferred me to Jazz at Macy 's. She removed the charge of XXXX ( {$37.00} late fee x 5 months ) and said it was effective today. Jazz advised me to check with Macy 's credit services about the negative rating on my credit report.
On XX/XX/XXXX I contacted Capital One to make an arrangement to settle on my dbet. The representative told me that I couldnt do the payment which would have been {$740.00} and some change to come out of my account the following day. I call the following day which is today XX/XX/XXXX to again try to pay the settlement amount and clear up the debt. First I was told the computers were down to call back in two hours. I did call back and try to set it up again to pay the settlement amount then I was told it was too late they count went into charger off status. I was then told to call back in te hours to speak to a supervisor because the computers were still down. After speaking to three different people including a supervisor who refused to take a payment to clear up this day on two separate days I was unable to settle this debt. I explained I had signed up with XXXX XXXX XXXX XXXX XXXX to help with my debt and somehow after pay {$250.00} since XX/XX/XXXX I saw no improvements. However Capital One has received correspondence from the company and was aware. On both days when I tried to settle the debt myself payment was refused. I also tried to pay the full amount on line and the payment was some how canceled after it showed it was accepted.
I am not getting updates, file requirements/needs or accurate disclosures. I feel as if there is file discussions going on while I am not being informed timely or being informed of what I need to prove or show to get a clear to close. The last email from the credit union that was not prompted by me requesting a status update was XXXX XXXX and today is XXXX/XXXX/17. XXXX If I need a certain figure in my checking account maintained for a certain period I need to know this. My payment is still estimated over what it should be and I have no clue how anything is going with my file.
After agreeing to make payments from this summer until loan was paid off, they agreed to this. Now I sold my home on XXXX XXXX XXXX XXXX, XXXX, NC, Springleaf has refused to re assign the property lien over to me so that I can avoid foreclosure. If the " short sale in lieu of foreclosure '' does n't close by XXXX XXXX, 2015, the home will be foreclosed. Please have Springleaf reassign the lien to me so that I can avoid foreclosure. I do not get proceeds from the sale.The loan manager on XXXX XXXX, by previous name American General, came on to me as harsh and rude. Now I am working with that home office to stay away from him, XXXX XXXX, XXXX XXXX XXXX XXXX, NC.
I have contacted transunion, XXXX and notified them that there where several unauthorized inquires on my credit and for them to remove them. First they did n't even care to help me over the phone and just told me I had to file the removal online and also call the creditor to try to remove the inquires first. But over and over I told them that it was unauthorized and I should n't need to do there job for them and that it was there job to remove it. 

I will list the inquires at the bottom that where not done by me and shame on transunion and XXXX for trying to ruin my credit. 

XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Complete Department Stores Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX
I have refinanced through navies and they have been very difficult to deal with in regards to payment options and affordability
When my husband and I attempted to apply for a mortgage, I found out that there is a  Sears cr edit card on my credit report. The card was opened on  XXXX / XXXX / XXXX . The amount owed on the card is in excess of {$9000.00} and the last payment was made on  XXXX   XXXX   XXXX . I do not own this card and I did not make that payment.
I scheduled a payment for my Chase credit card on XX/XX/XXXX. The next payment was due in XX/XX/XXXX. Please refer to my attached statement and screen prints. On XX/XX/XXXX, I received a notification that the account was past due. So my wife called Chase. 
My wife spoke to a representative named XXXX around XXXX on XX/XX/XXXX. He stated that although the account bills on XX/XX/XXXX, the statement is not mailed until XX/XX/XXXX. Therefore, the payment was processed for the prior month. He waived the late fee and confirmed our 0 % interest rate was still good until XX/XX/XXXX. 
The main reason why I am filing the complaint is the date on the statement. Their system clearly shows the billing date as XX/XX/XXXX and the statement also reflects XX/XX/XXXX. The statement history also shows it comes out on the XX/XX/XXXX. Therefore, when a customer is scheduling a payment, he or she would assume the payment would be applied to current statement if the date paid coincides with the date on the bill and their online system. I should not have needed to make a second payment in the same month to prevent it from appearing like it was past due. Going with a statement mailing date, XX/XX/XXXX, rather than what is printed on the bill and listed on their online system seems like a pretty archaic way and incorrect way to process payments, specifically because customers rely on online data to schedule payments on accounts. I am sure lots of customers have received late fees for this reason and have needed to make two payments in a month to rectify the situation. 
I am attaching the statement and screen shots of the account for your records.
This is an 18 month interest free loan for 18 mos. 
The company on the statement continously shows interest charge and we have confronted them but they do not seem to correct it. 
Previous case # XXXX. 
They are supposed to charge me a nominal payment of {$250.00} per month for 18 months. This loan should not accrue any interest. 
Instead I am being charged {$180.00} interest per month.
XXXX , Equifax and  XXXX  are reporting late payments for months on my credit report that I was on the rehabilation program with U.S DEPT of ED and in fact making payments to the U.S DEPT of ED during months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  to make payments for  XXXX  that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In   XXXX   myself and the U.S Dept of ED changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by  XX/XX/XXXX . I was under agreement from XX/XX/XXXX - XX/XX/XXXX  to pay my balance in full. I completed that agreement and paid my balance in full on  XX/XX/XXXX . I would like for each credit bureau  XXXX , Equifax and  XXXX  to update my payment history with the accurate info showing my account was in fact being paid for the following months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  XXXX . And for the months  XXXX    XXXX   and  XXXX  of   XXXX   as well I was under agreement at this time and was told that no payments were going to be reported late because of my agreement that I had set up with the U.S DEPT of ED.
My name is XXXX and I am a victim of identity theft. There is a fraudulent Santander account reporting on my credit report. I have called Santander to report the account as fraud. Each time I call, I am told that an investigator will call me back. No one has returned my call. The card is reporting open on my credit report. They have not even closed the card down yet because every representative that I have spoken to has been unable to locate the account. This company has been near to impossible to deal with.