WillisBack/dataset-financial-user-claim huggingface dataset:
Call XXXX to ask about why my payment was not being pulled out after I called they told me that I have to finish my recovery repayment plan, I was told that now I have to start a new payment plan with their company call Navient and based on my income I have to pay exactly what they say even though me and my wife both have to pay back student loans to do two different companies I explain to them that my budget is pretty maxed and I needed to go a different route to get away lower payment when I was paying the recovery payment plan I was able to pay five dollars for now Navient raise my payment to be around XXXX after calling multiple times and asking for more assistance on flexibility to least give me down to {$50.00} a month something I can actually afford they basically told me to kick rocks saying that I was going to become delinquent if I can not set up a payment plan that they basically choose for me with no options at all if you can help me sort these things out he seems a little abusive just because he look at my income they decide on how much I can pay that and knowing how much I actually need to survive month to month The only reason Im complaining because they have not given me the option for flexibility to basically acting like a dictatorship
I have an inquiry from XXXX reported 5 times on my credit report. I don't know why that was authorized. I have called the fraud department at XXXX in XX/XX/ and XX/XX/ to have it removed. They were difficult and did not resolve the issue. I have called the XXXX number and spoke to someone that could not resolve the issue. It has been extremely frustrating between being constantly transferred on the phone through many representatives, but no one can fix the issue.
I am filing a complaint against Bank of America because on XXXX XXXX 2017 I had a wire from prosper market place in the amount of {$33000.00} and I also deposited a check from a line of credit that was approved in my name in the amount of {$10000.00}. Bank of America is claiming that they received a call from XXXX Bank in reference to the valid deposit. The loan is in my name and valid yet XXXX wants to do further research. I have already provided XXXX with proof of identity and gone in to the branch but they are giving me a headache after the check has already cleared with Bank Of America. Because of this Bank of America has place a hold of {>= $1,000,000} on my account and is not letting me access any of my funds. This is illegal that they are holding even the wire that has nothing to do with XXXX bank deposit of {$10000.00}. I need my funds released ASAP.
I have twice made large payments. I called and made payments over phone to tell them specifically how to pay the loan once i verified payment amounts. Both times after i paid off loans there was overpayments that were redirected in a way beneficial only to the loan company. First there should have been no overpayment because i called and verified the amount i needed to pay. Second I was not asked how to direct any overpayment. The response from Navient was that there was a way ( well hidden on the website ) where you could select the options for overpayment. The links for this area to select options are impossible to find.
I received forms from a collection agency called RCB Revenue Collection Bureau , Inc. representing the City of XXXX. The agency did not list an amount owed. It sent forms that would divulge personal and private tax information that they would use to see if I owed any debt. The forms contain a fake letter from the City of XXXX, Department of Revenue. I refuse to give this company any information. I would assume that if this collection agency was working for the City of XXXX that the city would have provided them with my Business tax account number and any debt I may owe. I am currently up to date with my taxes and do not owe anything to the City of XXXX. I want other business owners in the City of XXXX to be aware of this fraud. I would like you to contact this agency and tell them to stop this fraudulent activity. The forms were mailed to my old address not my current address.
I have been sending letters to the bureaus since XXXX 2015. I am not sure if the bureaus are doing proper investigations but the XXXX on my report keeps a new date of last activity even though I settled this a long time ago. This date being updated is illegal and hindering me from moving on with my life and crushing my scores. Please intervene and make them remove it
My car loan company is automatically ai n't a late fee to my monthly payment saying is just in case i do n't pay on time. However, the amount with the fee shows the amount of my monthly payment. When i asked them if the extra charge goes to my principle when i pay on time, nobody claims to know. So, every month, they ate putting the {$50.00} wherever they choose which is not fair based on the fact that I am paying on time. 
Additionally, I have paid my car note late and there was an additional charge so it 's {$50.00} is the late fee where is there an extra charge over and above the {$50.00} if I pay it late? And when I pay it on time based on the statement I should only be paying {$460.00}.
My husband and I have always paid our mortgage. Included with each payment is an amount to go towards escrow. This includes taxes and our homeowners insurance policy payments that each are paid once per year. The amount paid towards the insurance yearly is {$1300.00}, which comes from our monthly mortgage payment of {$1500.00}. Our servicer/mortgage company, Rushmore, was responsible and has been making the insurance payment for the last several years. 
On XXXX XXXX, we received a notice from the insurance company, XXXX, that they would be cancelling our policy due to non-payment. I got on the phone right away with XXXX, speaking with XXXX, who then put me on a XXXX call with Rushmore, rep. XXXX ID XXXX. XXXX confirmed that Rushmore had sent the insurance payment on XXXX XXXX to a XXXX, XXXX address. XXXX stated their only address for payments was in XXXX, XXXX. He also wanted to know when they could expect the payment. XXXX said they would need to track down the XXXX XXXX payment, and then would send a new check.She said it would take a couple of days. 
I called XXXX to confirm payment had been received on XXXX XXXX. No payment received and they did another XXXX call. The Rushmore rep. XXXX ID XXXX said that they still had n't found the first check, but that they would issue another XXXX and wanted to send it overnight to XXXX. I called again XXXX XXXX, but XXXX had n't received anything. Another XXXX call with Rushmore rep XXXX ID XXXX, produced the same scenario, he said they had n't found the old check, but that they would send another one right away, and needed an overnight address, which the rep from XXXX gave. I had another call on the XXXX, speaking to XXXX, and her supervisor XXXX ID XXXX, who assured another check would be sent, and still researching the old check. She again got the overnight address from XXXX. XXXX XXXX, XXXX and XXXX calls on those days produced the same results, with no check being received, but promises to send a check overnight, and asking for the overnight address. On the XXXX call, XXXX asked for me to send a no loss letter. I sent it the next day on XXXX XXXX. On XXXX XXXX call, they asked for another no loss letter, and I sent that XXXX XXXX. I called back XXXX XXXX, again no payment received, XXXX call with Rushmore, with a promise to send the payment overnight. As of today, XXXX, no payment has been received, and XXXX notified me that my insurance policy can no longer be reinstated. At this point if I want the same insurance coverage, my premium will go up from {$1300.00} to {$1400.00}. That may not seem like much, but we would n't be in this position of not having homeowner insurance or having to pay a slightly higher premium had it not been for the carelessness of our mortgage company and servicer, Rushmore Loan Mortgage Servicing. We have always paid on time, with the expectation that they would do the same for escrow items.
I purchased a drone from XXXX on XX/XX/2017 using by AMEX Blue Cash Everyday card for {$1000.00}. On XX/XX/2017, I returned this item bought back to the merchant. A prepaid return label was provided to me by the merchant, XXXX. Using the prepaid return label provided, I dropped the item off on XX/XX/2017 at an XXXX store in XXXX, CA. Starting XX/XX/2017, there has been no movement/update of this shipment. Contact was made with XXXX to gain more information in regards to this return shipment to no success. XXXX refused to cooperate in an investigation into this missing package. Furthermore, the merchant also refused to cooperate with this return shipment. As of present day, the returned shipment mailed back under XXXX tracking # XXXX has had no updates/movements. In any case, I do not retain possession of this item anymore. The item was handed off to the shipping carrier, XXXX, using a return label provided by the merchant. Furthermore, a missing package criminal investigation has been started with both the XXXX Sheriff 's Department and my local city police department. This is the absolute most I could do in this situation as I returned this package to the merchant in my maximum capabilities. There is absolutely nothing more that I could 've done in this situation. I have no control over the shipping carrier 's warehouses or other operations. Multiple disputes have been filed with AMEX against the merchant as no one is willing to cooperate in this matter. I expect a full refund in this as I fulfilled my maximum duties in returning this item back to the merchant. As previously mentioned, there is absolutely nothing I could 've done better to ensure the safe delivery of this returned merchandise. As this now pertains to a lost package, it should be the responsibility of either XXXX or XXXX, or both. The merchant, XXXX, paid for my return shipment which resolves me of any liability of this package. I do not retain any control over this shipment as I was not the party paying for the shipping cost. Having said that, I expect a full refund of {$1000.00} out of this as I went above and beyond, contacting the merchant, the shipping carrier as well as law enforcement in regards to this shipment. Furthermore, I do not possess this item anymore.
Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act 1970 against { }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act 1968 because its a consumer. 
XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.
The credit Card company ( PNC BANK ) has charged me a late fee because I paid my bill at XXXX XXXX  instead of XXXX XXXX on Saturday. They charge me XXXX dollars. This is very arbitrary because Saturdays are considered weekend and payments at XXXX XXXX eastern time versus payments at XXXX XXXX makes would not create any undue burden on the credit company.
did received a payment notice from collecting agency RSI ENTERPRISE, INC for the amount of {$110.00} due for service non received at XXXX Texas to clarify that XXXX XXXX XXXX XXXX is Under investigation for insurance fraud .complain filed by myself to Texas XXXX pratics askin RSI stay out of my life till the above is resolved also a letter of complain XXXX was filed XX/XX/XXXX 2015
Contacted the lender ( SPS ) regarding documents for a refinance. After months of attempts. XXXX XXXX - XXXX XXXX XXXX we were stalled on various recorded phone conversations regarding an ACTUAL HARD COPY OF THE MODIFYING NOTE Itself. SPS has produced a copy of the loan modification application, and they have the hardship letter in their possession ( submitted by the borrower, me ) however to date they are unable to produce the actual signed document regarding the loan modifications. We did apply for a loan modification on XXXX/XXXX/XXXX and SPS informed us that the government program regarding the loan modification was no longer available. To date there is no change or was never a change in the mortgage payment to account for a loan modification. SPS has stated on XXXX/XXXX/XXXX that a " REQUEST FROM THE PRIOR SERVERS ( of the loan ) TO PROVIDE ACTUAL COPIES OF THE LOAN MODIFICATION. We are quite frankly finding it hard to believe that they have all copies of the loan modification documents except the most important part of a loan modification ( the very document that explains the financial workings of a loan modification ) We were also told that this was an open ended time frame for acquiring these loan modification documents and that we would just have to wait. We have come to your agency in hopes that you can assist in resolving this important issue within agreeable/allowable/lawful timeframes. Any and all immediate assistance would be greatly appreciated.
Over six months ago, I received a request for detailed financial information from Chase Bank, where I have 3 credit card accounts - XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX cards. As one option was to take the information directly to a branch, I did so. I was concerned about someone requesting this detailed personal financial information fraudulently. The bank associate told me he was unfamiliar with this request, and that I should ignore it, as it did not look like a valid request. I did so, and continued to use my credit cards and pay the entire balance off on time as I have done each month for years. Today, XXXX XXXX, XXXX, while attempting an online purchase, I discovered that the bank had closed all three of my accounts without notice because I did not provide this information. My discussion with the bank was useless. I want the fees that I paid to have these credit cards refunded to me, as they have closed my accounts without notice and without valid reason.
Equifax has had my account frozen and ... '' In Dispute " ..for over 2 months. I can not even get a response. I am on hold till they obey the law.
my federal loan was with direct plus. When they consolidated all my loans my new loan was w ith Navient.  My loans went from  XXXX  to  XXXX . the fees are through the roof. I tried to set up payments under the student loan forgiveness program. The told me not possible because they purchased my federal direct federal loan. I explained that I was a public service member for the united states  XXXX . the only options that have provided is a forbearance. I saw in the news about  the Navient law suit  issues and was given this site to file a complaint from   XXXX   XXXX  .
To whom it may concern, I am inquiring about removing a few late payments off my credit report. During XX/XX/XXXX, I had XXXX XXXX XXXX XXXX causing me to miss work for 8 months or so, my I come was severely reduced causing me to fall behind on my mortgage payments. Thankfully, Ive resumed work and caught up on all my payments, paid every late fee and have been current without missing a payment for 8 months. Ive asked to have my lates removed due to the hardship I endured and as I stated, all payments were made and fees were paid. I was 30 days late on XX/XX/XXXX ( mo th I had my XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days in XX/XX/XXXX and XX/XX/XXXX .... since Ive made every payment on time and have never had an credit issue previously or after those dates. 
If you could please assist in clearing up my report due to the nature of my situation it would be greatly appreciated
In XXXX XXXX I received a general credit card XXXX not store credit card ) from Nordstrom 's I did neither apply for nor want.

Upon contacting Nordstrom 's and talking to " XXXX '' on XXXX/XXXX/XXXX, I was told that since I " did not opt out by XXXX XXXX, XXXX '' from getting this card in a letter that they claim was mailed to me, this entitled Nordstrom 's to " upgrade me to a XXXX card ''. 

Not only was I traveling on business from XXXX through mid XXXX and had no chance to review my mail until some time after my return, I do not recall getting such a letter. Regardless of whether I did or not, a company should not be entitled to issue a credit cards without my knowing or approval. As the result of this object able practice, an inquiry showed up on my credit report on XXXX/XXXX/XXXX from TD Bank USA/ Nordstrom .

I have built an excellent credit history/ score ( above 800 before this incident ) over decades and carefully monitor my credit. Having this inquiry on my record lowered my credit score by 19 points, not to mention that, had the credit card been lost or stolen, I would never have know because I did not expect it. 

I immediately requested this unauthorized credit card to be closed - along with my Nordstrom 's store card which I would have retained otherwise. This may have further reduced my credit score.

I strongly object to Nordstrom 's deceptive practice without regard for the consumer 's credit record or risk of identity theft.
Went to Amerisave and I have been having problems getting the loan. I paid for the appraisal {$400.00}, but they are really dragging their feet. I have been trying to get loan since early XXXX. I requested a refund of the {$400.00} appraisal but they would not give it back or give me a copy of the appraisal. They are making excuses and postponing the loan. They keep making excuses that they need more and more paperwork.
A few months ago i noticed a collection account on my credit reports from  LVNV Funding. I had nev er received any communication from this company and my attempts to send them debt verification letters yielded no results. I had attempted to contact them  in  XX/XX/XXXX  and then again in  XX/XX/XXXX  and got  no response. Every time I dispute this account with the  XXXX  credit bureaus it always comes back verified.
This is an amendment to compliant # XXXX. Additional information attached and documents I've provided to Wells Fargo as they requested.
I've been trying to pay this but that company is not willing to negotiate the amount. 

I
The collection agency sent me several notices and I continouesly sent them reply that I had paid the bill in full before we move and I asked them to send me the supporting documents. 

Instead of sending me supporting documents they again send the notices
I am currently in a Chapter XXXX BK and Wells Fargo who is the lender has scheduled a Trustee Sale date of XXXX/XXXX/2016 although my case is pending reinstatement. The Notice was placed on my door while I was out of town Saturday. I have been in the bankruptcy and the trustee payments are taken automatically from my checking account. There was fraud on the account and the bank closed the old and issued a new account. Meanwhile The case was originally dismissed for nonpayment. The trustee has received all the payments and the case is pending. The trustee has received the new account information and the case is pending reinstatement which is scheduled for hearing on XXXX/XXXX/16. I received a letter from ASC who represents Wells Fargo. When I contacted the representative at ASC, I told him that my account was in BK and he said the case was dismissed XXXX/XXXX/16. I told him that he needs to check with the BK department, because the case is pending reinstatement. Wells Fargo would have received a notice from the courts, but they continued with the legal procedures which is against the law. 
I would like to have them investigated for illegal foreclosure procedures.
According to Equifax, my information was likely compromised in a security breach. Equifax failed to protect my personal information, which may now be used to misrepresent my identity and harm my credit or incur costs to me. This has required me to pursue various means to protect my credit and identity which i would not have otherwise been required to take.
Hello I am disputing XXXX different hard inquiries on my credit report from 2015 from Citizen 's bank which are currently negatively impacting my credit. I have tried to handle the matter with the bank directly by sending a letter to dispute the inquiries with no response. I at no time during this period of time applied for credit with Citizen 's bank and there should be no inquiries reflected from this company during that time period. Therefore, I am asking to have these inquiries removed from XXXX of the major reporting bureaus.
I submitted letters to  XXXX , Transunion, and  XXXX  regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lende r ( Consolidated ). I have also called them in regards to this matter as well. I have not received anything, no results.
Debt collection agents from Portfolio Recovery Associates, LLC are calling multiple times a day, using different numbers from around the country in an attempt to collect a debt from me.

When speaking to one agent, they refused to identify themselves as debt collectors and after several attempts to get them to reveal the nature of the call, the agent only stated the company they worked for and asked if I was or knew the person they were attempting to call.

Their harassing calls have come from countless different phone numbers from around the U.S. and none of which are listed as official business numbers on their website or in the correspondence they have sent me. 

Examples of such are : XX/XX/2018 call from ( XXXX ) XXXX XX/XX/2018 call from ( XXXX ) XXXX