WillisBack/dataset-financial-user-claim huggingface dataset:
During a span of 6 year span. I have had difficulty with my private students loans. Having not worked from XXXX i informed Navient/XXXX XXXX of my issue only to get the response to say it wasnt their problem. Along with the fact I was threatened wit phone calls day and night to my home and my sick grandmother who was my co-signer. About taking her house and taking any wages I wasnt able to find a job a year after graduating from college and Navient harassed me throughout out that time period. Once I was able to land a job I was hit with high monthly payments of 700 hundred plus and that I couldnt qualify but for interest rates payments I wasnt allowed to get my sick grandmother off as the co-signer after I had established my credit and set up payments so they wouldnt threaten her anymore. Past two years only been forced to do interest based repayments only to never qualify or be offered lower payments because I wasnt making enough money in my current job to give Navient basically half of my check every month. I have been forced to go into deferment and go back to school in order to find a higher paying job to Navient and them not constantly ruin my credit. I know I am responsible for my loans but I was never more humiliated or threatened by people from Navient and XXXX XXXX before in my life over the past 5 years I have dug my self out of a hole after being unemployed for 3 years prior only to be manipulated and scammed by Navient they even tricked me into sending my loans to XXXX only to have them mess up my credit and deny me every program for my federal loans. Thanks for your time I hope this helps someone not to go through this.
I have a credit card serviced by Synchrony Bank. I have always paid my bill in full and on time every month. I gave my daughter permission to use the card. A couple of times she paid prematurely from her bank account and had her payment denied. Instead of sending a warning or charging a fee for bouncing a check, Synchrony closed the account without warning and dinged my credit with a charge of NSF. I feel they treated me worse than people who are late payers. I repeat that my bill was always paid in full and on time. 
I have other credit cards and do not care about this card, but I do not like being treated in such a disrespectful manner.
I walked in Chase and met mortgage manager. 
I signed mortgage application on XXXX XXXX and gave them most of documents the next day they requested and more additional documents on middle of XXXX. 
I mentioned closing date is XXXX XXXX and they said okay. 
I brought {$100000.00} from XXXX and they requested document regarding this money again so I sent it on XXXX XXXX and I told them if they needed clear XXXX, let me know right away. 
But they never contacted me until XXXX XXXX. 

I got an email from loan proccesor on XXXX XXXX that she needed clear document about korean money which I sent on XXXX XXXX. So I sent it on XXXX XXXX because it was Satuday in XXXX. And they kept asking me more documents and failed closing date without noticing me. 
There were plenty of time to request this. But they never contact me until XXXX XXXX and kept asking me more documents. I did n't know I should prepare lots of documents if I bring money out of state but if they contact me earlier, I could have prepared everything perfectly like I did. I sent every documents the same day or at least the day after they requested. In this process, I tried to call mortgage manager I contacted at the first time, but he did n't get my calls, sent me text " I am in the meeting. I will call you asap. '' and never called me back. 
Anyway, chase failed closing date and told me " Do n't schedule the closing date until we notice you ''. Seller asked me to pay seller 's cost and I accepted. It is {$45.00} per day until XXXX and {$90.00} per day after XXXX. 

Then, I got an email from my attorney that the lender contacted closing coordinator and they can close on XXXX. I was happy and all parties set up the time and are waiting closing date. 
And today I got an email from my attorney again that Chase want to close XXXX. 
I have got lots and lots and lots of stress because of the loan and I thought now it is all done but then again, they changed the date! 
It was the lender who set up the closing date, XXXX and now they have changed the date. 
Now I have to seller 's cost three days more because it is XXXX weekend. 
And I am not sure if the lender really want to close this case. 
I ca n't trust Chase anymore. I chose chase because I am chase private client and I have had chase account for 9 years. I ca n't do anything because I am in weak side and the lender has money I need. But this is too much. 

Every chase person has this quote in their email " If you are not 100 % satisfied with my service or your experience with Chase at any time, please let me or my manager know right away. Our contact information is below. Thank you for choosing Chase. '' What a silly joke!
I file bankruptcy and the discharge was XXXX XXXX, 2015. TransUnion and and XXXX both report open accounts for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. It is dragging my credit score down. I have spoken to and requested that both agencies correct the error and they have not. It has been over six months.
I get repeated calls each day for a few yeas now, from Transworld Systems, no debt owed, they want payment over the phone to get my card number.
Repeated phone calls from Carrington Mortgage Company during grace period of harassing nature. Mortgage payment due on XXXX and have until XXXX before late and late fees incurred. Carrington representatives began calling on XXXX and have been harassing and rude in nature. Have outstanding credit and payment history. Mortgage previously with XXXX and no issues - never late, no foreclosures, no delinquencies, payment history is outstanding to the point where have over paid on mortgage and decreased mortgage payment and have begun to pay on principal. Mortgage was sold in XXXX 2015 to Carrington and have been dissatisfied with their service ever since. In addition to harassing phone calls, have recently received a completely inaccurate escrow analysis.
These two debts were with XXXX XXXX XXXX in XXXX Georgia. One is a hospital bill one is an Ambulance ride. Hospital bill is XXXX.The ambulance ride is for XXXX. These bills were paid by my insurance prior to the medical center going bankrupt and out of business. I never received a bill for either of them an they showed up on my credit for collections by XXXX XXXX XXXX XXXX on XX/XX/XXXX an XX/XX/XXXX. I have disputed threw credit buereu and also XXXX XXXX all they tell me is the debt is correct.Another ambulance ride in XX/XX/XXXX from XXXX XXXX XXXX XXXX Tn XXXX $ was turned in threw XXXX. This was a result of a condition connected to my XXXX As I am a XXXX XXXX XXXX veteran an the Ambulance ride is their responsibility. They paid my hospital bill for my week stay. I have disputed to credit buereu an told them its VA responsibility but no help. XXXX XXXX XXXX XXXX $ for XXXX in XX/XX/XXXX with XXXX XXXX XXXX. My XXXX was paid by insurance as well as XXXX  but the XXXX  part was turned in. I have been disputing this for the greater part of 2 years now an any assistance would be greatly appreciated as I am a XXXX vet trying to fix my credit to by a home. Thank you for your time.
We closed on a house on XX/XX/XXXX, but title agent said we still can file complaint. 
Initially we licked our rate at 4.6 %. Then I asked about lender credit to cover pmi and some closing costs. We increased interest rate to 5.25-5.5 %. And this would have covered upfront pmi and all closing costs and prepaid items. So, the only item we were responsible for is our down payment ( {$11000.00} ). 
We paid {$4000.00} as an earnest money, so remaining cash to close amount was {$7500.00}. 
3 days prior to closing lender released CD where cash to close amount due was almost {$11000.00}. When we tried to clarify this, lender said this is not final amount and it will be corrected. Couple days later we received another CD reflecting little bit more than {$17000.00} as cash to close and our rate was increased to 5.75 % without our knowledge and consent. That triggered our payment increase by almost {$100.00}. 
Than a day before we received another CD, with increased rate and little bit more {$12000.00} cash to close amount, I tried to connect with Consultant, supervisor and manager regarding this. The only answer I got is that pmi all of the sudden increased. No one disclosed pmi amout to us. 
We submitted documents 3 weeks before closing and lender waited until the last moment to disclose this info. I still dont know what is increased pmi amount is. It was never disclosed to us. 
We spent all day at closing table and did not know what is the final cash to close is. 
When final CD appeared we noticed that lender increased rate even more without our consent and agreement and final cash to close was {$5000.00} more than discussed. 
This triggered ur to liquidate our savings. 
I had expressed my concerns to title company and said that current CD is not accurate and was told that we should sign and I still will be able to file complaint. I strongly believe that rate can not be increased without customers consent. Additionally, full disclosure should be provided in advance. Please help to resolve this problem.
I opened up a credit card with terms that if I spent a certain amount I would get a bonus of XXXX miles. I did that and the credit card did not honor the bonus.
I recently checked my XXXX credit report and found negative accountings on my account that should not be there. The one to which i am currently reffering is my mortgage with XXXX XX/XX/XXXX- XX/XX/XXXX. I was covered under the SCRA law during this time and have enclosed the orders as well as the law for you to correct this mistake as soon as possible. I also have several other issues including XXXX, XXXX XXXX, XXXX, XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX XXXX. I was covered under SCRA starting XXXX XXXX XXXX XXXX XXXX and a year after that as well as, XX/XX/XXXX- XX/XX/XXXX and a year after that, as well as, XX/XX/XXXX- XX/XX/XXXX a year after. Attached are all of the orders for these dates and all negatively affecting credit reports for said dates should be removed.
In XX/XX/XXXX I was contacted by a con artist posing as an employee of XXXX offering me the opportunity to participate in a market research study regarding consumer satisfaction with a new XXXX card. I was told it was a gift card, and that I should apply for one. It would be " loaded '' with XXXX 's funds so that I could make sample purchases from the XXXX site. I would be interviewed about my experience with using the site and the card. In return for my participation, I would receive {$50.00} per interview. 

As I have participated in other market research studies, this did not seem unreasonable. I applied for the " gift card '' and was told by the thief that I should call XXXX to make sure it was " loaded '' with funds. I asked if they wouldn't notify me by email and he said they would not. I called an was told the card number and that I had {$1800.00}. 

I then followed instructions to purchases 6 gift cards totaling almost {$1800.00} which were delivered to me in the next few days. Each time I received a delivery, I was told to notify the thief, who asked me questions about the packaging and timeliness of delivery. He then told me to send photos of the cards, including the number on the back requiring me to scratch it off. 

On XX/XX/XXXX I received an email telling me that my XXXX credit card had been approved with a credit limit of {$1800.00}. I immediately realized I had been scammed and notified XXXX and Synchrony Bank, the issuer of the card. Since then I also made several phone calls and sent a letter to Synchrony on XX/XX/XXXX regarding the scam. I hold XXXX and Synchrony responsible for making this crime possible by failing to inform me promptly that I had been approved for a credit card. Clearly the thief knew about this weakness in their procedures and was experienced in exploiting it. 

I received a letter from Synchrony dated XX/XX/XXXX in which they said my dispute with the merchant had been resolved in the merchant 's favor. They included many pages of proof that gift card had been delivered to me. My complaint never said that I did not receive the gift cards. Therefore I do not consider the complaint resolved because they never addressed the substance of my complaint.
There is a collection listed on my credit file through a company. I do not recall owing an amount stated I do. I would also like to request some validation as the old account I recall having with XXXX was many many years ago and was paid.
In XXXX 2013 I received letter from Oxygen Recovery Group demanding {$7300.00} ( attachment XXXX ) Of course I requested any documents concerning this demand. 
They mailed to me papers with cover letter ( att. XXXX ) :1. Statement of Deposit with my name but without any signatures ( att. XXXX ) 2. Letter that some XXXX XXXX intend to vacate apartment XXXX and authorizes XXXX XXXX to hold security deposit (????? ) ( att. XXXX ) 3. Lease Renewal Application with my name on it but with unknown to me address as well as unknown phone numbers. With name some XXXX XXXX as cousin. 
With no other information filled in. 
In addition this document signed by somebody but the signature even does not look like mine. ( att. XXXX ) That was entire package of documents. Without any real information but my name. 
I informed the Oxygen Recovery Group by fax that it is fraud based on my identity theft ( att. XXXX ) They answered me and requested " proof that this is not me " ( att. XXXX ) I have an idea how to prove that me is me but I have no clue how to prove that anybody else is not me. 
Recently I learned that Oxygen Recovery Group put this money for collection to my account. 
As I am sure it is situation of conspiracy based on my identity theft for exaction. 
Of course I filed compliant with the Federal Trade Commission as well as with Credit Bureau. 
Now I look for an attorney to file Legal Case of exaction.
This Debt keeps appearing on my Credit Report and i do not have any dealings at all with XXXX. Its now showing that i open XXXX XXXX accounts in 2014, I have no XXXX accounts, On my XXXX credit file it was removed but now it appears on my XXXX credit file. I have NEVER received and collection letters from Debt Recovery Solution so i dont see how they are reporting debt on my credit report. Let me be Clear, i have no XXXX accounts at all, no home phone, cell phone, internet etc, Please address my compliant. I would like to receive a written validation notice showing the date and time, where and when, i open these accounts, As i stated before, I have XXXX business with XXXX.
2 years ago, we had water damage. The insurance dropped us and we had about a month to fix the house so we can get a new policy before the insurance expired. The old insurance paid for the claim BUT my bank didnt want to release any funds to me so I can fix the house. I used my own money and loan some money so I can fix the damage in my house. The mortgage company didnt want to release funds so I can finish the work and get new insurance. The new insurance wanted to see that the damage was fixed before they can insured me, which took 4 more days from the day of the cancelation. I was stuck with having no money to fix and the time I needed to get insurance. I spoke to XXXX at the bank many times, he told me to XXXX XXXX and it is his rules and if I want to get funds, I needed to finish the houseI had no money! I explain to him that without releasing funds I can not finish the work.well he said it my problem. NOW, 2 years down the road the bank is trying to bully me to pay insurance worth {$8900.00} that I dont need or want. After back and forth they now reduce it to the 4-5 days that I didnt have insurance due to them holding my insurance money. They did that on purpose as XXXX said he will teach me a lesson. Because of them not releasing MY FOUNDS it took me 4 more days to finish the work so the new insurance see that its all fix and I can get a new insurance. This mortgage MB Financial is something else, the worse mortgage company I ever had. Unfortunately there is no one to talk to about this and I understand they have the right to go into my impounded account and take the claimed insurance. I dont authorize them to do this! I want to take them to court if they will charge me. This is crazy!! They want to charge me for 4 days of insurance from 2 years ago.
Date for last statement is XX/XX/18 and my statement includes principal {$25.00}, interest {$66.00}, escrow {$56.00} which equals only {$140.00} but then ocwen loan serving, LLC adds an additional {$13.00} charge for optional products, which brings my total payment to {$160.00}. I never signed up for this optional product and want it removed immediately. My monthly bill should be only {$140.00}. I wrote ocwen loan serving LLC a letter, saying I never signed up for this optional product ( XXXX   XXXX ) and want it removed from my account ASAP.
First, I checked my credit score and found that Perfection Collection LLC had placed a collection on my credit. I found out from the company that they purchased my account from another collection agency who settled my account. After speaking to a representative through the BBB, I was informed by Perfection that they never communicated with me by phone or letter, but placed a collection on my account which violated my rights. I never had any signed document with them neither do that have a written document or agreement with me. I am asking assistance to have them remove their name from my credit report ( were my rights have been violated ) and not to place anything or any information pertaining to my name or personal information. Please help with this matter. thanks
My name is XXXX XXXX I am XXXX yrs old. 
In XXXXI got a loan from XXXX XXXX for {$500.00}. the intrest was to be {$87.00} I paid {$71.00} in XXXX, I paid {$180.00} in XXXX, I paid {$210.00} in XXXX {$200.00} in XXXX {$180.00} in XXXX. they gave me an add {$110.00} in XXXX. took another {$180.00} in XXXX. I changed act. as to me this should of been paid in full. they attempted to charge me another {$220.00} the first week of XXXX. and are claiming I now owe them over {$600.00} They have black marked my credit file and thus claiming I did not pay any money on the loan. all I paid was intrest fees. and it is going up and has stopped me from getting a bank loan to keep living. I know my payments more than paid the loan. want something done about it. my address is XXXX   XXXX. XXXX XXXX lot XXXX in XXXX ks XXXX, my phone mess. is XXXX thank you.
I opened my secured discover card account XX/XX/2018 and was told after seven billing cycles, my account would be considered for unsecured. Its been almost 14 cycles and I hasnt been converted to an unsecured account. I have great payment history with Discover. And I love the cash back benefits but every time I contact customer service to speak about my account, Im given the same response of, it takes seven billing cycles .... I explained to the agents that if they look at my account theyll see Ive had it open longer than seven cycles but still Im never able to get a real explanation or reason why.
Since several month ago Rushmore Loan Management Services ( RLMS ), Collection department, is sending me monthly letters, dated the XXXX day of the month, saying that I did not pay my monthly payment. Accord the NOTE I have until the day XXXX of each month to do my monthly payment, and they also put at the monthly billing statement of XXXX, XXXX ( attached copy ) that I did not pay them and I did it. I always send my payment the XXXX day of each month, so they receive the payment in 3-5 days. This is happening since they cut the Monthly billing Statement on the day XXXX of each month, and it showed as I did not pay them, and I did it, so my monthly billing statements should show the payment I done : my concern is that if the payment is not reflected in the Statement, means they can put me in foreclosure eventually. I really did not wish to be in that position since is very stressful, and I did not like it because I am paying them every month according with the NOTE. 
Also they put a clause that mentioned that {$73000.00} as a deferred balance that I suppose to pay at the end of the loan, that also worry me since I am a XXXX, and in XXXX years I should pay them a balloon payment of {$73000.00} at the end of the loan ; for me is a treat to lose my home after several decades of paying it. They also mentioned al the addendum that I have 2 years to refinance my home, and that if I do " probably '' they will eliminate the {$73000.00}. I visited several companies in the refinance marketing, and after they review the documents done for RLMS and they told me that they can not refinance my loan, and that the only one who can do it is RLMS. I sent a letter to them asking for the refinance process.RLMS received {$25000.00} in XXXX and then $ XXXX XXXX, from Keep Your Home CA with the porpoise of maintain the families in their home, and stabilizing the house market, means the government did it their part and effort, I am paying them every month, so I am expecting them doing their part also : refinance the loan and eliminate the {$73.00}, XXXX described at the Loan Modification agreement paragraph XXXX, page XXXX and paragraph XXXX page XXXX, page XXXX Balloon Addendum ( attached ).
The representative that left a message with my son said they were calling with the XXXX County Court. The rep I spoke with alluded to the fact that since it was n't him it was n't a problem.