WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for credit ( car loan ) with XXXX XXXX on XX/XX/XXXX, 2017. I received notification in the mail that their credit decision was,  in part, due to information received from SageStream LLC. I monitor my credit score with the known credit reporting agency XXXX and XXXX. I have never heard of SageStream and am not comfortable with providing my personal information such as a copy of my driver 's license and social security card to obtain my credit report from them. Is this a known, reputable company? How can a company just appear out of nowhere and be a credit reporting agency and have access to such personal information? What makes me really concerned is that the letter also said key factors that adversely affected my credit score from this particular agency is limited history for consumer at address. I have lived at the same address for XXXX years and if this was a legitimate company, I would expect them to know that. Please investigate this company as something seems wrong.
Southwest Credit, LP purportedly acting on behalf of XXXX XXXX XXXX XXXX wants to collect a debt that I do not owe. All my bills for services provided to date by XXXX XXXX XXXX have been paid in full as shown in an attachment hereto. 

I have sent notices of dispute to both XXXX XXXX XXXX and to Southwest Credit, copies of which are attached hereto.
I fell behind in my FHA mortgage due to unemployment and could not afford to make payments since XXXX XXXX. My servicer, M & T Bank, refused to accept partial/late payments so the missed payments continued to accrue. 
On XXXX XXXX, XXXX they sent me a letter saying I qualified for their special unemployment forbearance program. The requirements were as followed : - Sign the agreement - Pay {$25.00} due XXXX/XXXX/XXXX -Pay the total arrears, {$11000.00} to bring my account current on XXXX/XXXX/XXXX I signed the agreement and paid the {$25.00} forbearance payment in late XXXX XXXX, well before the XX/XX/XXXX deadline. 
I sent a certified check with a tracking number on XXXX/XXXX/XXXX for the rest of the money, {$11000.00}. My tracking number reports they received the check on XXXX/XXXX/XXXX. I called the bank on XX/XX/XXXX to let them know that the check was coming. At this time they told me that my home was already sent back to the foreclosure attorneys, it has a sale date of XXXX XXXX, XXXX and I would owe a new amount of {$11000.00} due by XXXX/XXXX/XXXX. 

I complained that my home should not have been sent to foreclosure before the XX/XX/XXXX date because I was still doing the forbearance plan and I followed through on the agreement to pay the {$11000.00} on time. They said they had the right to send my house back to foreclosure because I was late on my mortgage payments since I first fell behind in XXXX XXXX. I called them back today to inquire again and they said they rejected my check and sent it back to me on XXXX XXXX, XXXX. I am still waiting for the check in the mail, but I wanted to be caught up because I could resume monthly payments in XXXX XXXX if only they 'd honored their word and accepted the {$11000.00}. 
What is the point of any program if they can change the amount I owe right before it 's due and put my house into foreclosure even while I 'm participating in the program? This feels so unfair because I did what I agreed to do and worked very hard to catch up. It feels like they want to force me to lose my home.
I had a nightmare happen to me years ago that I was not aware of until this year. Instead of giving you my sad story here are the nutz and bolts someone very close to me stole my identity and I didn't even know until he was in jail ... .then he died ... .my step dad I am going through crazy emotions and all I want is they must block these fraudulent accounts. I have tried 3 times in 90 days. XXXX & XXXX took them off immediately when I ask them what I am submitting incorrect all I get is " sorry we can't disclose that sir '' I thought they were suppose to help me? I nee to get this fraud off my report. the following are the fraud accounts XXXX/XXXX Agency XXXX XXXX XXXX Account Number XXXX XXXX Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account Number XXXX XXXX XXXX XXXX Agency XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Account Number XXXX XXXX Agency XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX XXXX Account Number XXXX XXXX Agency XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Account Number XXXX
I sent the collection company three letters of validations regarding this, pursuant to 15 USC 1692G SEC. 809 ( B ) of the FDCPA. They have refused the certified letters the three times. I called over the phone and also requested a validation letter. They have not done so. 
They damaged my credit and the longer they don't respond, the longer my credit is being damaged.
On XXXX XXXX, 2015, I contacted Navy Federal Credit Union regarding the Line of Credit and talked to XXXX, customer tepresentative and also requested to speak to her supervisor, XXXX. Arrangements were made that I was supposed to make less than {$330.00} a month. XXXX told me that I am being charged {$190.00} for the interest rate and I told her that was high. I told her that am being overcharged and that I already made arrangements to pay the Line of Credit. I had made this arrangements because we are in a fixed income and both retired. I was not satisfy with her providing the information so I requested to talk to her supervisor XXXX. He did n't seem to assist me at all instead he corrected me went I said the supervisor and he said I am A supervisor which is unprofessional and he had a bad attitude. I told him I will file a complaint to Consumer Financial Protection Bureau and he said go right ahead. He then said I will make sure your loan goes to Collection. Prior to this, I was going to make my line of credit {$230.00} which was online. Apparently, I pay my bills using the Navy Federal Credit Union. I disagreed with XXXX and he did n't assist me at all. As a supervisor, you need to assist the customer not threaten or retaliate by telling me that he will make sure my loan goes to collection.
I took out a student loan with XXXX while studying in XXXX. The debt was sold to American Education Services, which is supposedly run by the government of Pennsylvania. The company contacts me incessantly about paying my student loans, which I do pay in the full amount every month. They are very frustrating because their website does not work and they do not send out paper statements about the details of the loan. They only send an email reminding me to pay, but no other details. Since I can not use their website to pay I have to pay through my bank. Recently they have increased my monthly payment but I have no idea by how much. You should see the complaints about this company, just look at the website XXXX and look for the company. I would like to pay off the loan in full and transfer the debt to XXXX where I now live, but I am afraid that I wo n't even be able to do so since there is no paper trail.
Company Transunion still reporting incorrect debt that has been settled and I am no longer liable for. XXXX, XXXX.
This bank is charging their monthly fee of {$6.00} into my checking account on after hours ( after XXXX ) XXXX and the next day they want to charge me a {$36.00} overdraft fee because they pushed their fee after hours in my account which was higher than the {$5.00} treshhold and they want to penaltize me for it too ... 

This is TRUE ROBBERY ... my account was not over draft or any thing and it is ver draft because they are pushing their own fees and then want to tackle another {$36.00} to fatten their own pockets ... 

I want the {$36.00} removed ASAP ... my account was pushed into the red only because of the monthly bank fee not that they paid any amount for me rejected any thing ... .it is all because of their own fees. 

I want the {$36.00} to be removed asap!
XXXX XXXX, XXXX amount of {$7700.00}. I have sent XXXX XXXX, XXXX a debt validation they did not respond. XXXX XXXX, XXXX then took me to court and then voluntary dismissed the case. XXXX XXXX, XXXX is also reporting on my credit reports with XXXX, XXXX  and XXXX.
I disputed three inaccurate 30 day late payments on my credit report directly to Experian. I submitted all documentation by certified mail on  XXXX   XXXX ,   XXXX   to Experian including : record of my payment due date (  XXXX  each month {$840.00} ) along with printouts of my Bank Statements, verifying the date the funds were withdrawn from my account for payment of my vehicle loan to  XXXX   XXXX . I noted the inconsistencies between the  XXXX  reporting bureaus of this account. I noted inconsistent accounting of the actual payment amounts listed on the account that were displayed in my credit report. I asked for the amounts paid and dates they were paid to be updated on my report. I explained that the credit union my loan was with got bought and the new credit union was not applying my payments correctly. I requested they look at my account of the prior loan company it was with :  XXXX   XXXX   XXXX  and take notice I never had a late payment before the buyout. No follow up to my request by experian giving a response. The file should be updated noting no late payment and all payments made accordingly to on time status.
I was denied credit by lender XXXX XXXX. My XXXX  score is XXXX. But, XXXX XXXX XXXX was also contacted as a CRA by the lender, and it reports " delinquencies '' ( I have none ) and gives me a score of XXXX. XXXX XXXX XXXX also notes " limited history for this phone. '' I am XXXX years old and have had credit history for about 45 years, and have had all of my phone numbers for many years. XXXX also says " proportion of satisfactory trades too low. '' I make no trades that I am aware of. I called the number on my denial notice but only get a recording at XXXX. I left voicemail but not optimistic. So I'm wrongly denied credit because of XXXX. I also reviewed their website, and they require me to mail them my SSN and other information, and copy of my ID, just to get a report from them so I can dispute it..
This concerns a private student loan that I obtained during my first year of XXXX school in XX/XX/XXXX at XXXX University XXXX XXXX XXXX, XXXX, Oregon. As a condition of obtaining the loan, I was required to obtain a guarantor. My now ex-wife 's grandmother agreed to be the guarantor. The loan was for about {$4000.00} to cover tuition and living expenses. The loan was issued by XXXX XXXX and has been continuously serviced by XXXX XXXX, now Navient. 

Since the loan has been in repayment, my guarantor has been making {$75.00} payments every month directly to XXXX XXXX, which is significantly higher than the minimum monthly payment. I have reimbursed her for each of those payments. She has done this to ensure that, despite any fluctuation in my ability to pay, the loan will be paid and will not adversely effect her credit. A few years ago, I calculated that this accelerated repayment schedule would pay off the loan in full in about 18 months. That was now at least two years ago. 

In addition to the $ 75 monthly payments, I have also been paying the minimum payment as an auto-draft from my checking account. This minimum payment is around {$6.00}. 

After remembering my calculations last month, I checked online to see why this loan was not yet paid off, and I discovered that in XXXX XXXX ( around the time that XXXX XXXX changed to Navient ), the {$75.00} payments were no longer being credited to this loan, even though my guarantor was mailing checks in every month, using payment coupons provided by XXXX XXXX to the address provided on the coupons. There were about {$1300.00} in payments that were missing, which was more than enough to cover the outstanding balance. 

I called Navient on XXXX XXXX, XXXX. The agent was able to tell that the {$75.00} payments from my guarantor were being made, but that the payments were being applied to my Federal Spousal Consolidation Loan. My guarantor has no connection with that loan. I instructed them to correctly apply the payments, and they assured me that it would be done within 7-10 business days. 

It has now been nearly a month since that conversation, and my loan still shows an outstanding balance of {$300.00}. 6 of the {$75.00} payments that were made between XXXX XXXX and XXXX XXXX are still not showing as having been made on this loan. This amounts to {$450.00} in mis-applied payments, which is more than enough to pay off this loan. In the meantime, I have continued to make principal and interest payments ( of about {$6.00} ), when the loan should have been paid in full months ago. 

I have emailed Navient about the issue, but they have not yet gotten back to me. The last time I called them, it took well over an hour.
I have been in contact with drive-time only because i gotten a vehicle financed by XXXX  which i already received an inquiry on my credit report. I been at drive-time multiple times for personal reasons in regards to my financing, payments, warranty, ect. I've talked to sales reps at one point about getting another vehicle and i was shown how to apply on phone apt with sales rep indicating its wont hurt my credit or lower my score because its only getting information what ill pay if i get another vehicle. I was told it only counts once i get the vehicle. That moment i was receiving calls from other drive-time location bugging me like fly 's. Once i explained to one individual that i have a location im dealing with and explained i was there already she decided to look up my information informing me i cant get a vehicle until after a year has passed. I ran my credit report in XX/XX/XXXX even calling the information provided for the inquiry on the report. I was given the blaim game point the finger not being able to explain. I have not been provided proof of validation or proof of verification. 

XXXX XXXX XXXX XXXX  XXXX XXXX AZ, XXXX XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer Section 1689 of the fair credit reporting act indicates the monetary damages i can claim for this up to {$1000.00} dollars for inquiry not authorized by me.
I went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
turned into collection agency from XXXX/ for a debit I was handling with my insurance company. debit turned over to Credit Adjustment XXXX Inc. XXXX XXXX XXXX XXXX XXXX AZ XXXX acct XXXX XXXX XXXX, clt..acct # XXXX 
Arrangements were made and a monthly payments has been in a timely manner for months. Please remove this issue so I can regain my credit score. XXXX is the lady I spoke with at credit agency stating to contact you as a credit report was done yesterday with poor rating. Please call me as XXXX if any further questions or email me at XXXXXXXXXXXX matter needs to be resolved asap. 
thank youXXXX XXXX XXXX XXXX XXXX, AZ XXXX
Was never notified of this debt. Wasnt allowed to write a check on XX/XX/XXXX. When I first called I was told that there was no debt on file and my account with them was clear. They then came up with 3 checks they said needed to be paid and it would take days to clear before I could make any purchases. They are trying to collect on a debt from 7 years ago. The debt is not even on my credit report but they are denying my purchase. Originally they said I didnt owe them and there was no records saying I do. Then they kept transferring me to different people who had bad phone lines where I couldnt understand what they was saying then I was transferred to the XXXX where she did not speak clear and her phone line made it even more difficult to understand her. Each time the representative kept requesting payments for 3 checks that are 7 years old. I just wrote a check last week to one of the stores they claim I owe money to from XX/XX/XXXX. I got it verified and it went through with no problem.
Santander Bank had a promotion for a {$150.00} bonus with opening a checking account. To qualify for the bonus, some terms must be met which included a direct deposit of {$500.00} or more within 90 days of account opening and keeping the account open for 90 days. Santander 's te rms and conditions of the offer state that the offer is not available to current or former customers who OPENED a checking account between  XXXX  2016  and  XXXX / XXXX / 2016 .     I have met all the conditions above listed and advertised in  Santander 's promotion. I met the direct deposit requirement soon after account opening and did not have an account or opened one with Santander betw een  XXXX / XXXX / 2016  and  XXXX / XXXX / 2016 . I have very clearly met the terms outlined in their qualification s. Santander refuses to deposit the {$150.00} for unknown reasons, and attempts to reach out to Santander ha ve been unsuccessful in achieving a resolution
This company decided to close my account after I have consistently paid my bill since I opened this account. I feel that this is not fair because I opened this account to build credit when I had almost an 800 credit score. I never once missed a payment and now they are closing my account after I took a credit dip for opening this account and utilizing it. This is unfair, especially since at no time did they ever reach out to me to discuss this matter. If this is how they want to conduct business then it should not reflect poorly on me when I was consistent with this establishment.
I am reaching out to you in regards to a loan that I paid of with Citi financial. My loan has been paid in full since XXXX XXXX and I can not get the proper releases from Citi to be filed after 7 months of asking for them. The original loan was taken out with XXXX XXXX XXXX XXXX Of Oklahoma. Citi bought XXXX out and I was notified that my loan was included and transferred. After years of my loan being transferred from one company to another and state to state, I made the decision to pay them off. I contacted Citi for a pay off by XXXX XXXX, a verbal quote was made and I also received a written letter. Citi was sent a check and paid of on XXXX XXXX, XXXX. I in return received a check for the difference of {$24.00}, with the envelope being stamped XXXX XXXX, XXXX. With the understanding that Citi had 30 days to release my property. The lien against my property consist of 2 different counties, I reminded Citi of this and ask for a releases in both counties. On XXXX XXXX, XXXX an attempt was made to release the land in XXXX county, but according to an attorney the release does not meet the Oklahoma Statues for proper format because the release was done by Citi and the mortgage was originally made with XXXX. There has to be an Assignment filed moving ownership of the XXXX XXXX to Citi. On XXXX XXXX, XXXX I sent Documents via Certified Mail and return receipt of signature to Citi. The packet included 1 ) A letter 2 ) Copy of recorded mortgage for XXXX County 3 ) Copy of recorded mortgage for XXXX County 4 ) Copy of release of mortgage which is not done with proper authority 5 ) Copy of Oklahoma Statues for lenders to get proper release of mortgages filed within 50 days of receipt of funds. Note penalty starts within 10 days of this letter. <P/>I received a return signature card from Citi. But they still did not file the Assignment of Mortgage and Release of Mortgage in both Counties. After contacting Citi again  on XXXX XXXX, XXXX, they said they did not receive the documents I mailed. So I Faxed them 11 pages of documents on XXXX XXXX, XXXX, same ones I mailed and they signed for in XXXX. I then receive a Assignment of Mortgage filed in XXXX County stamped XXXX XXXX, XXXX, but no mortgage release in XXXX County. On XXXX XXXX, XXXX I contacted Citi again, once again explaining that I need both papers filed in both counties. Citi informed at this time they had 30 days to get the release 's filed, I informed them that they have had 7 months to get this done and I was going to file a complaint with the Consumer Financial Protection Bureau. Citi then argued with me and said they filled a mortgage release in XXXX County on XXXX XXXX, XXXX and was working on XXXX County. I went to XXXX County Court House the next day and there was no release filed. I do n't know how I can explain it any clearer to them, they refuse to get this matter taken care of. So this is why I turned to you. Thank you
I submitted a complaint about Nationstar Mortgage to CFPD ( case number XXXX ) regarding their refusal to work with us regarding modifying our mortgage payments due to the hardship suffered pertaining to my husband 's job loss because of the sudden closing in XXXX, XXXX of the company that he had worked for years. Nationstar 's response was to submit to CFPD our payment history and a repayment plan from XXXX. The XXXX repayment plan was entered into prior to a XXXX illness which nearly killed my husband in XXXX XXXX -- and the subsequent loss of his newly aquired job ( XXXX XXXX ) due to the duration of the illness, XXXX, and XXXX assocated with the severity of the illness in XX/XX/XXXX. Nationstar was apprised of the illness and job loss -- and the XXXX my husband is required to undergo 3 times a week due to the XXXX XXXX he suffered as a result of the acute but devestating illness he endured. ( all of the aforementioned medical history is documented, and can be sent to you if necessary. ) In addition to continuing to flatly refuse to work with us to assist us in becoming current our loan -- in their reply to our complaint -- Nationstar defended its practice of continuing to send the intimidating foreclosure letters, harrassing phone calls, and the reports to all XXXX credit bureaus every 30 days -- and also erroneousy states that we are " approximately two months '' behind on our mortgage -- when in fact, we are only one month behind. In closing, since we submitted our first complaint, we were informed that Nationstar has an " XXXX '' rating from the XXXX with XXXX complaints rendered against them in the last three years. ( ratin scale is " XXXX to " XXXX ''.
LVNV Funding llc continues to send me letter asking me to pay on loan that has been taken off my credit report. They are thereatening to return this loan as 'Active Collection '. 
The account was charged off is XXXX. 
My detailed credit report was pulled in XXXX and nowhere was this loan showed and now LVNV is harrasing me by sending me letters that I owe money.
In XXXX 2015 Capital One Bank USA NA credit card balances were paid off by XXXX XXXX XXXX company in which I am paying them off in the form of a loan. The payments to the bank were considered a charge off and a zero balance exist yet they are still leaving negative comments on XXXX credit report bureaus. Because of the negative comments I am unable to get a loan or open a line of credit with my bank.
Used BB & T Investment services. Invested {$30000.00} into XXXX indexed brokered CD product starting XX/XX/2010. At maturity BB & T claimed that there was no return whatsoever, despite a colleague checking on the product annually to see how it was doing. Would like bank investigated in regards to this.
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX XXXX contacted my place of employment to collect a debt.