WillisBack/dataset-financial-user-claim huggingface dataset:
I filed chapter XXXX bankruptcy and was discharged in XXXX, 2017. Since then, I have made numerous calls to my mortgage company- Fay Servicing , LLC and have not arrived at any solution. Each time, I have been given different information from by loan managers, not the initial loan amount nor the principal balance has ever been consistent. I 've been making payments since XX/XX/XXXX to the address that the bankruptcy court was sending their payments and now the payment has been returned as undeliverable. The manager assigned to the loan makes promises to take action or send the information to another department to get results ( this is on a day that Im able to reach him ) yet, he never calls back. All I need is initial loan amount, principal, payments that have been applied to the loan since bankruptcy and after bankruptcy. 

This is stressful and making me ill to know that since the court has discharged the bankruptcy and close to 80K later that was paid during bankruptcy to this company over 5 years, yet no one can account for it almost 6 months later. I feel that I am being scammed by this company. Fay Servicing , LLC wants us to either a : continue to make payments without any idea of our loan balance or even the initial loan amount was when the loan was transferred to them : b : that we do not figure out current balance is, or what was paid in bankruptcy and continue to pay at the high interest rate of 8.5 %. c : I filed chapter XXXX bankruptcy and was discharged in XXXX 2017. Since then, I have made numerous calls to Fay Servicing , LLC and have not arrived at any solution. Each time, I have been given different information from by loan managers, not the initial loan amount nor the principal balance has ever been consistent. I 've been making payments to the address that the bankruptcy courts was sending the payments and now that last payment has been returned as undeliverable. The manager assigned to the loan makes promises to take action or send the information to another department to get results ( this is on a day that Im able to reach him ) yet, he never calls back.
This is stressful and making me ill to know that since the court has discharged the bankruptcy and close to 80K was paid during bankruptcy to this company and no one can account for it almost 6 months later. I feel that I am being scammed by this company. Fay Servicing , LLC wants us to either a : continue to make payments without any idea of our loan balance or even the initial loan amount was when the loan was transferred to them : b : that we do not figure out current balance is, or what was paid in bankruptcy and continue to pay at the high interest rate of 8.5 %. If Fay Servicing , LLC frustrates a customers enough, makes a mess of their account and the consumer stops paying, the house goes into foreclosure and they still make money, especially in my case where a large chunk of the loan is already paid off. PLEASE HELP! Fay Servicing , LLC is taking advantage me and so many others ( based on the complaints ). PLEASE HELP!
I have been receiving mails from the Discover directly addressed to me with attractive introductory offers like 0 % APR for 14 months on purchases and balance transfers and it had a special invitation number for availing this offer. The expirstion date for availing this offer was mentioned as XX/XX/2017. It was also mentioned that it is a prescreened offer based on my credit report indicating that I meet certain criteria. 

On seeing all these wonderful false promises from Discover, I filed an application with Discover for a new card. And I got approved for the card but to my horror, none of the offers were applied to my account. I called the company to clarify the issue and even provided the invitation number that was in the mail. But they declined to provide me any offers and did not give me a valid reason for declining these. They only mentioned that the offers are based on credit and refused to provide further information. 

The only reason that I applied for this card was to avail the offers they had mentioned in the mail and it is very misleading. Either they should not be sending mails promising these offers or they must keep up the promise. I feel that they use these fake offers to attract customers and once they open the account, no offers are applied to the account and at this point the customer can not close the account as it would negatively impact my credit score. 
I feel that I am being tricked into applying a discover card and I now regret for having applied since the customer service is really poor. 

I would like to demand an explanation on why those letters are sent specifically to me and why I was denied these offers later. How did you get my information in the first place for sending those info and what did you mean by prescreened offers? What is the reason for making these false promises of you are not going to provide them in reality? I am sure that I am not the first victim and but I wish to be the last.
I am filing a complaint against Synchrony Bank ( XXXX XXXX XXXX, XXXX, FL XXXX ). Synchrony Bank is affiliated with several companies that I have or had credit with, namely JCPenny Credit Card, Amazon, Old Navy, Discount Tire, Walmart and PayPal. My complaint with them relates to account ( s ) limits authorized with them and their reduction of my credit limit without warrant. It is not the fact that the credit was reduced, but sometimes reduced below my original credit line which ultimately negatively affects my credit score. In the case with Old Navy, the account was paid in full and Synchrony failed to notify me. Around XXXX time, I attempted to make a purchase and my card was closed by Synchrony. In another case with Amazon, my credit was reduced causing a credit on my account because I had already paid the balance in full. Synchrony kept the credit on my account and did not refund me the difference. In another case with JCPenney Credit Card, the credit limit of {$210.00} was reduced to {$100.00} which negatively affected my credit. I strongly believe that the posture that Synchrony has taken with my accounts has negatively affected my credit causing me hardship and XXXX on my family.
I got an email from my loan consolidator that my monthly payments are going to be changed because my " original loan servicer notified us that the amount we sent them to pay off your loans did not match the actual amount due. We have adjusted your balance accordingly. '' I did n't receive any information about which servicer sent this notification, how much my balance would be changed, etc. I paid over {$7000.00} in interest last year on student loans and my balance moved a minuscule {$1000.00} from {$110000.00} to {$110000.00} balance. Not to mention I receive no tax deductions for paying this interest.
I was attending a private college, XXXX XXXX College, for XXXX. The school is closing and I am unable to continue due to their closure. I have accumulated a large debt from financial aid and needed to figure out how to pay it off. I thought I was dealing with the actual Department of education about my loans, trying to consolidate them. The company The Student Loan Help Center ( TSLHC ) said that I needed to pay {$790.00} for this service. Of course I ca n't afford this so they set up a payment plan of 4 monthly installments. After the second payment went out I recieved a notice from the Department of Education ( DOE ) stating that my Power of Attorney was declined. I called the DOE and was informed by XXXX of the reps that they provide this service for free and the TSLHC is a 3rd party debt relief company scam. I called my Bank and faxed the letter stating the declination of my Power of Attorney. My bank reversed the charges and changed my account # so they would not have any further access to my funds. 
I was contacted by the TSLHC asking for the third payment, I stated I needed to discuss this with the DOE. I then called the DOE and again was informed not to speak with TSLHC, to call the State Attorney General and file a complaint of a 3rd party debt relief company scam. I did this and was redirected from the Attorney Generals office to contact the Consumer Financial Protection Bureau and place a complaint with them. 
If you need any further information you may contact me. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX New Mexico XXXX XXXX XXXXXXXXXXXX
I opened my account with Bank of America, here after referred to as BOA with a {$100.00}. I spoke in length, approx 30-45 min because was very leery about the bank, that I am getting some large checks due to a settlement from my lawyer and want to make sure that they will clear within reasonable time. She told me it would be fine, walked me to the teller and printed out the holds and sates of release. If applicable, i have the printed receipt that i can enclose or forward to you. It was a type A Hold on {$4800.00} until XX/XX/XXXX and a type D Hold untilXX/XX/XXXX for $ XXXX+. That was agreeable because I was to get married on the XX/XX/XXXX and i could pay the caterers, the photogrpher, cake, reception place, etc, plus get ourselves an apartment because we just moved here into south carolina. When I contacted them, they now are holding my money until theXX/XX/XXXX, even though it was from my attorneys office. I cant pay anybody with promises, they demand to see money up front. i tried multiple times to have managers call the risk department and they wont budge. I even told them just give me $ XXXX {$800.00}, and my social security check with is still linked with the bank is more than that and they can hold against my ss check, but not to screw up my wedding, please.
I received a letter from the CBE group today stating I owe {$460.00} for XXXX XXXX Account XXXX with a date of service XX/XX/XXXX. I  am contacting a Lawyer tomorrow! I read through this notice and saw on XX/XX/XXXX XXXX XXXX is saying I still owe {$97.00} after {$3400.00} has been paid! I called them and told them I paid this account in full in XX/XX/XXXX by settling with the collection agency. They then REMOVED THE COLLECTION from MY CREDIT! WHY IN THE WORLD ARE THEY NOW TELLING me I owe {$97.00}. This is not all! They send me a notice, same day stating I owe {$370.00} for account XXXX. THIS COMPANY AND XXXX XXXX HAS YET TO PROVDE ME AN ITEMIZED LIST OF WHAT I AM BEING BILLED FOR WHICH IS A VIOLATION OF FDCPA! The have an auto dialer call me with an automated person speaking! I can never speak to anyone! They have time and time again ruin my credit! They place accounts in collections and then after months of fighting to prove them wrong, the accounts are removed. But my CREDIT is already impacted! I have a higher rate on my loans due to their erroneous credit reporting! This is still not all! XXXX also has account XXXX, this is for my Son. I have issued TWO CFPB complaints XXXX, XXXX where XXXX has FAILED TO ISSUE ME WITH AN Itemized list of the charges! Someone really needs to look into the charges for XXXX account XXXX and XXXX!!! There is medical billing fraud with these two accounts. There is also violation of FDCPA and TCPA as well as UDAAP. The department of Justice needs to investigate XXXX XXXX, XXXX XXXX and The CBE Group! I have spent countless hours asking for a list of all charges and disputing the amounts owed and no-one is doing one thing! All they do is call 20 times a day, they are rude and threating! My Husband gets harassing calls every day for account ending XXXX! Again along with ago XXXX, I HAVE PAID FOR THE ACCURATE AMOUNTS OWED! I am being charged for items that I DO NOT OWE!!!! This is being proven by their content lack of ability to provide me a line by line list OF ALL CHARGE! It is really said I am being abused like this! I have XXXX XXXX who NEVER answered my request! They sold the account to XXXX who then sold the accounts to The CBE group! I think they look for Women to take advantage of! I really do!!!! They threaten my Credit when I ask for the itemized list! Again FCDPA violation!
Loan was received back in XXXX. Yes I 'm late to pay it, but I receive 4 to 5 calls a day even at work. I have told them not to call my work because thats grounds for termination but they still call
In XX/XX/XXXX I was given 2 separate Parent Plus loans. XX/XX/XXXX {$22000.00} and XX/XX/XXXX {$15000.00}. In XX/XX/XXXX I Consolidated but those loans, XX/XX/XXXX {$38000.00}. {$22000.00} + {$15000.00} = {$37000.00} + interest = {$38000.00}. I have no clue how this happen but they took the 2 loans that I consolidated $ XXXX {$15000.00} and the new consolidated loan {$38000.00} and added them together. $ XXXX/ {$15000.00} + $ XXXX= {$76000.00}. I 'm collecting interest on all of this and I need this resolved. I called Navient/XXXX XXXX for months to fix this and they just gave me the run around. I ca n't pay on something that is wrong. I Do n't know how to fix this, I need help. I feel like my hands are tied on this, I want to resolve this so i can pay on it. Thanks for your Help!
I have an account on my credit report Experian and XXXX from XXXX  XXXX XXXX XXXX that was settled in court. As part of the settlement this account was to be removed from my credit report. XXXX removed the account but Experian and XXXX will not. I realize this account has little impact on my credit score but it is the principle that counts to me. 

I worked for XXXX XXXX at the time and they filed bankruptcy and I had to take an {$8.00} an hour pay cut with zero notice. My car got repossessed, I almost lost my house and I had to sell many of my possessions to make ends meet. But I never filed bankruptcy, I paid all my Debts. Its been 12 years and it is still impacting my credit. 

Why is it that the people who filed bankruptcy or simply just walked away from their house have better credit than the people who weathered the storm and paid their bills. 

I ask that you please remove this Item from my Experian and XXXX credit report thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
XXXX XXXX is repeatedly robo calling a number that they were not given and were not authorized to use. I have no idea what they are calling about but my mother in law, whose phone number I dont even have, states that this bill collector calls her everyday several times a day into the night even after they have been told that I do not live there. Apparently this company uses search engines like XXXX to locate relatives. Again, I do not know what debt this company is trying to collect and I do not care, but they will not continue to harass relatives that they have not been authorized to contact without immediate and significant legal consequences!
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. The breached information includes SSN, home address, birth date and drivers license number.
I accidentally transposed XXXX numbers on my direct deposit form with my company, the routing number was correct but XXXX numbers on my account had been transposed. My card service, serve by American express is refusing to return my direct deposit funds to me. Can anyone help me? I 've talked to them and they 've claimed there 's nothing they can do, they spoke with my payroll as well.
On Monday I sent a email to the CEO of Capital One asking for a goodwill forgiveness on my auto loan for a late payments being reported to the credit bureaus since I had suffer a financial hardship for a short period. The next day I was contacted by a gentleman by the name of XXXX he was following up with my email he stated he would do everything in his power but would n't make any promises to get this taken care of. Well today i receive a call from a woman calling from a unknown number. i answered it she said she was calling from capital one doing a followup call on my request she then begins to state to me that they do n't have a goodwill program and that i basically need to deal with the late payments being on credit and continue to pay extra on my car loan every month. I just do n't understand if that was n't something they did n't do why would the first person give me false hopes?
I have reached out numerous times to midland funding concerning an account that I asked them to VALIDATE. I faxed numerous times a request to validate this debt and Midland credit has failed to respond to my request. The letter that I faxed them states : To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank You This account has been removed from all XXXX credit reports and now the account has been reinserted without the validation that I have requested. This account is to be removed immediately. For there is no application with my signature on it agreeing to this account. I want this account removed immediately.
This is regarding an adverse account item logged to my XXXX credit report on XXXX/XXXX/XXXX in the amount of {$190.00} filed by Aldous and Associates on behalf of XXXX XXXX XXXX XXXX, and the resulting recalculation of my FICO score from XXXX to XXXX. The derogatory credit item is invalid and I disputed it with XXXX in XXXX as soon as I was alerted by my bank. They responded back that the item was verified as accurate. When I called to get the particulars about the investigation, as disclosed as an entitlement in the letter, the associate responded that the investigation is purely electronic. They simply contact the collection agency electronically for verification without any independent evaluation of the accuracy of the disputed charge. Whatever is reported is assumed to be accurate and as a consumer I have no ability to refute the claim. 

The circumstance of the disputed charge is as follows : I signed up with XXXX XXXX for month to month membership at a cost of $ XXXX/month. After an unexplained XXXX on the treadmill on XXXX XXXX, XXXX, resulting in a visit to the Emergency Room, I was advised by my doctor to discontinue my workouts until a full XXXX exam and XXXX test could be scheduled. Upon receiving that advice, I immediately called XXXX XXXX to terminate my membership. I had paid in advance for the month and had no outstanding balance. They urged me to come in to speak with an associate regarding the termination but after explaining the circumstance of my situation, the associate agreed to terminate my membership on the phone. Approximately 7 months later, I received a collection letter from Aldous and Associates on behalf of XXXX XXXX claiming a delinquent balance and collection fee in the amount of {$250.00}. I made multiple calls to XXXX XXXX and to Aldous Associates in attempt to resolve the dispute. They were unable to explain the charge and were extremely rude to me, talking over me, threatening to destroy my credit, and even hanging up on me. They did not respond to my letters. 

Attached is a copy of the Explanation of Benefits from my health insurance company documenting the emergency room visit and XXXX testing from XXXX XXXX, XXXX. An examination of the XXXX XXXX records will show that I have not visited the XXXX since that day. Also enclosed is my credit card statement showing two payments to XXXX XXXX for {$10.00} covering the months of XXXX and XXXX, XXXX. 

I request that this false item be removed from my credit report immediately, and that my credit score be restored to its prior-calculated value. I have had over 40 years of perfect credit, and it is inconceivable to me that an unsupported claim by a disreputable collection agency and local fitness studio for an erroneous {$190.00} charge should be allowed to diminish my credit score which has been consistently over XXXX for many years.
Ally Finance XXXX XXXX XXXX, XXXX Ally Finance XXXX XXXX XXXX/XXXX/XXXX XXXX Ally Finance XXXX XXXX XXXX, XXXX The majority of these are doubled, back to back dates and inquiries that I have no idea about, if you go through my hard inquiries youll see that they arent even something that I dont even understand. But, the list above is just a few inquiries that shouldnt be on there that have been posted multiple times.