WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently behind on a loan with Regional Finance in XXXX. I left my job for another and was promised more money at the new job and that did n't happen. When I went into the office, like I had promised to do, to talk about getting my loan caught up, I was told to take all mine and my boyfriend 's money, pay all my bills ( as in get everything caught up ) let his car payment with XXXX fall 3 months behind and then leave him and move back in with my mom. Now I do not have a bad relationship in my personal life but giving advice like that is not okay. So I was informed if I do not make a payment by Friday then they would continue with collections. That is fine but they do not need to constantly call my work, I have a personal phone and if they can not reach me there then they do not need to constantly contact references more than once in one day. That is not how a loan company works.
XXXX XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : XXXX, XXXX XXXX, XXXX, XXXX XXXX, Bank XXXX XXXX, XXXX XXXX, Bankruptcy, The XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And XXXX has never been late
Hi my name is XXXX XXXX I am from XXXX I opened a business account in Chase Bank XX/XX/XXXX that was my first visit to USA I register my business as XXXX XXXX XXXX in XX/XX/XXXX and open a business account, Business account runs only one week after that bank close my account bank need work permit or business permit that time I dont have and they close my bank account but some money was in my account XXXX XXXX  Now I returned to USA after 4 years and went Chase bank to get my money back but nobody helping me every one telling a new story new talk but no one helping and its almost 2 week I call online customer services but they said bank issue a cheque but I never received on registered address if I ask give me cheque detail they dont know they dont have in system I check with XXXX XXXX  State unclaimed fund too but they dont have anything on my name I went 2 chase bank branches too but they not help only gave me customer service help no when I phoned they say always we dont have record where I go who can help me to get my money back its almost two week Waiting your reply
On XXXX XXXX 2016 I lost my home to a fire. It was a total loss. My insurance dispersed a large check for the total loss of my home and it was placed into an escrow account at Loancare for the amount of {$350000.00}. At this time im trying to recieve disbursements so I can rebuild. I have recieved 2 small disbersments, one to my contractor for {$11000.00} and the other to the company that prefabs the dwelling for {$29000.00}. The company that is doing the prefab will not ship the materials until 50 % of the bill is paid and 100 % is paid upon delivery. The contractor insists due to the shady practices of my financial institution that a draw schedule be signed by Loancare and it is law to cover intrests involved. This financial Institution is saying that the policy is they will not disperse anymore checks until the first inspection of 50 % completion and that is impossible with the amount that has been dispersed. The amounts that have been dispersed to my contractor will not even cover materials needed to repair my foundation, preperation for the dry in and the labor needed to start the job. It will only cover permits and other minor tasks. I am a XXXX veteran that will be homeless if this matter isnt fixed in a timely manor. I am still making mortgage payments of over {$2000.00} a month on a VA loan.
In early XX/XX/2014, my mother applied for a student loan from Sallie Mae to finance college. She was in a hurry to get a loan, as she waited too long to apply, and looked to Sallie Mae to get a loan. It offered her very high interest rates, which she was inclined to accept so that I could go to college. Over the last 4 years, Sallie Mae has consistently raised the interest rate on the loans despite both my mom and I having a credit score of over 700 and never missing any payments. The interest rates on the two loans are now at 11.25 % and 10.125 % APR!!! Sallie Mae has been raising the interest rates in 0.125 to 0.25 % increments every 6 months or so. I also have reason to believe that payments are not being disbursed correctly between interest repayments and principal repayments. I believe it may be applying parts of payments that should be deducted from the principal and recording it as interest repayments. 

I am not sure if what they doing is even legal for a loan servicing company in the United States. Interest rates are increasing for no apparent reason on loans that are already at levels way above the average interest rates for student loans. Consistent payments each month are only deducted from accrued interest regardless of the amount we pay. We are planning to refinance the loans with another company once I graduate this year.
Upon examining the statements received each month from Ditech we noticed that the amount taken automatically from our account was more than the amount on the statements. We contacted Ditech and were told that it was authorized. We asked for the written and signed copies of said authorization and were told it would be mailed to us. On XX/XX/XXXX we called again, talked to XXXX XXXX who stated they can take more than the statement amount. We asked for the same documents as well as a pay off statement, loan origination documents, and a statement of all payments made to date. We received e-mailed documents of the insurance coverage and the amount paid to date. Today, XX/XX/XXXX we again called Ditech as they attempted to withdraw more than the statement amount twice ( Statement amount {$470.00} attempted to take {$580.00} ). XXXX took the call and stated that the extra amount was for insurance, which is listed as having already been paid. XXXX transferred us to Supervisor XXXX. Suddenly XXXX is stating that there is a fee for auto pay with is not listed anywhere on the statement nor on their website and that was the extra money withdrawn. 

Upon examining the statements received each month from Ditech we noticed that the amount taken automatically from our account was more than the amount on the statements. We contacted Ditech and were told that it was authorized. We asked for the written and signed copies of said authorization and were told it would be mailed to us. On XX/XX/XXXX we called again, talked to XXXX XXXX who stated they can take more than the statement amount. We asked for the same documents as well as a pay off statement, loan origination documents, and a statement of all payments made to date. We received e-mailed documents of the insurance coverage and the amount paid to date. Today, XX/XX/XXXX we again called Ditech as they attempted to withdraw more than the statement amount twice ( Statement amount {$470.00} attempted to take {$580.00} ). XXXX took the call and stated that the extra amount was for insurance, which is listed as having already been paid. XXXX transferred us to Supervisor XXXX. Suddenly XXXX is stating that there is a fee for auto pay with is not listed anywhere on the statement nor on their website and that was the extra money withdrawn. 

from bank statement : XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00} XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00} XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00}
inquiries that should be deleted due to their customer services would not take care of the negative inquiries reporting to my credit report.

1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX 2.SXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  DATE XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX & XX/XX/XXXX 4.XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX  DATEXX/XX/XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   DATEXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX, XX/XX/XXXX
Nationstar Mortgage has denied my modification twice. The last time in XXXX 2017. DENIAL REASON: NEGATIVE DISPOSABLE INCOME. I have attended two sessions with two separate HUD approved counseling agencies, both of which reviewed my budget. The last budget done ( today ) by the second HUD approved, non-profit agency shows {$500.00} SURPLUS at the end of the month even after paying my mortgage payments. I do not have negative disposable income, therefore the denial reason is invalid.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX is reporting to Equifax and XXXX a 60 day late in XXXX XXXX. <P/>The account was NEVER late. The account was in forbearance mode, and then refinanced and closed. <P/>I contacted XXXX XXXX/XXXX/XXXX. Transition updated their information, but Equifax and XXXX continue to read a 60 day late in XXXX XXXX. <P/>XXXX/XXXX/XXXX I contacted Equifax and XXXX. They told me to contact XXXX. XXXX/XXXX/XXXX I contacted XXXX whom told me the information was updated and sent to the credit reporting agencies. XXXX told me to contact the credit reporting agencies.
I was contacted by mail from a debt collector, Penn Credit, claiming that I owe {$69.00} for a traffic citation. 
I called their XXXX but they claimed I still owned the debt. 
This traffic citation was paid directly to the XXXX XXXX XXXX on XX/XX/2018. 
I have proof of payment.
It is XXXX XXXX in America. After sending supporting documents supporting my case to Experian and XXXX  reporting unverified and inaccurate reporting Charge offs From XXXX XXXX. They continue to Parrot this WRONG information. Still NO CONTRACT WITH MY SIGNATURE OBLIGATING ME RESPONSIBLE FOR THIS MIXED FILE. In a Previous document XXXX XXXX admitted they had NO contract but believed their information was accurate refusing to remove the WRONG information. XXXX XXXX  left the DECISION up to the CRA who decided to PARROT the INACCURATE information. Thank you Veterans YEAH RIGHT!
I received a call from a woman stating that they have a " pending claim '' against my XXXX checking account ; some sort of " bad checking ''. No name of the lender or anything is given. She states that I have some charges pending against me as to what they do not give. These people have called my dad as well as my sister under the business name of Integrated Services at XXXX. I looked up this number on another web source and other consumers have had the same issues with these people ; they harass, can be rude, and have multiple numbers in which they have used. I believe they are attempting to fraudulently collect monies from me and/or my bank through old payday loan information they obtained.
this company PROMISED to take my name off there list ..they keep calling and harassing my pre-paid cellphone i just bought  XXXX  weeks ago for baseball for my son.   They are wasting my minutes by calling for someone that does n't exist.   They call many times a day and keep leaving message 's which runs down my minutes.   I have told them wrong number and they continue
I have NEVER opened an account with I C SYSTEM INC ( Account Name ) XXXX in XX/XX/XXXX or any other time. I have asked for proof of the debt twice, my signature, date that I signed the contract, etc. via XXXX  dispute resolution program and have not received resolution as of XX/XX/XXXX. The debt remains and is noted to remain on my credit until XX/XX/XXXX. I have no other recourse but to contact you because the credit bureau dispute program is not of value to me.
I had signed up for college at XXXX. Around XXXX. I realised that i didnt have the time or money to be able to proceed so within a couple of weeks i opted out and dropped my enrollment. I had no knowledge of any loan at that point due to the information not being there yet. i also had not started classes at all i wasnt fully enrolled at that point. Years since then ive had tax returns/paychecks garnished. ive called and tried to make them stop. They did. it remained on my credit report Until XX/XX/XXXX when they took my entire refund of {$1800.00}. Im not impressed at all i never had a loan to begin with. But navient seems to say otherwise. I would like my money back and this " loan removed from my credit. They have not notified me of any withholding until after my refund had been garnished.
I requested a withdrawal by check and it was to be sent to me with my name as the payee. I have not received the check. The check was made on XX/XX/XXXX in the amount of {$100.00}. Transaction ID XXXX. 

On XX/XX/XXXX, I spoke with XXXX at American Express. XXXX. I requested a stop payment of the check. XXXX told me that an investigation would need to occur that would take 10 days. I told her that I wanted to file a dispute and was told that an investigation needed to occur. I told XXXX that an investigation was not necessary as the check was made out to me, sent to my address, and that I did not receive it. Absolutely, nothing but it will at least take 10 days for the investigation and another 10 days to appear in my account. 

I can not get through to these people, that this is not how it should work. It is purely unethical how they hold onto funds. 

This company is purely unethical. Because their agreement states that they can hold funds for 7 days+, they do. 

Another example of unethical business is XX/XX/XXXX I made a return to XXXX XXXX in the amount of {$180.00}. The transaction appeared on my XXXX statement XX/XX/XXXX ; however the funds were not available on XX/XX/XXXX. I called and asked and they told me that they needed to do an investigation. I requested what the investigation was as I was concerned that perhaps my information had been hacked. Then I was told that my cardholder agreement states that they can hold onto the return funds and they did for 10 days. Although it " appears on my card '' as a transaction of XX/XX/XXXX, it was actually 10 days letter before the funds were available. 

This company is sitting on consumer 's money for their profit. The money is making interest for American Express not the consumer. Very unethical.
This debt collection company just recently inserted a debt for {$290.00} for creditor XXXX under account number XXXX. I have cut and pasted my original dispute with this creditor from 10 months ago. I have no knowledge of debt/fraud. The original creditor should have notated this in the records or the collection agency by accident listed this account on my reports. 


XXXX XXXX, XXXX Completed XXXX Reported on XXXX XXXX, XXXX {$290.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This account was fraudulently opened by someone who stole my identity.
Equifax lack of security controls exposed my credit and identity information to hackers. This is unacceptable. Their after-the-fact protections are highly lacking and leave the responsibility in my hands to correct and monitor all activity going forward. This could be extremely costly, time-consuming and ineffective at protecting my information. Unacceptable for a company that should be solely concerned with this as their mission.
am filing this complainant because Transunion has ignored my request to provided me the documents that their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete information Which can not be verified * that I have disputed please resolve this manner as soon as possible Thank you
I am trying to pay my car loan off sooner and I have paid extra online and I called before I paid and after I paid and checked online to see where the money posted. Gmfinancial made the money post to 2 months and sent me a statement with the next month bill a zero amount due.But they charged me extra interest. I called them to fix it and they then placed in all on XXXX month and then made my bill be late. I called again to fix it they then put it back to paid in advance and not put the extra on principle. They act like they do n't want me to pay extra to principle monthly.
I filed for bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. Select Portfolio is reporting delinquency in XX/XX/XXXX of more than 180 days. I have notified the mortgage company and all three credit reporting agencies and none will correct it.
Mr Cooper Mortgage Company reported us to the credit bureau as being late on two mortgage payments. We have never been late on a payment. I have made multiple phone calls to them. Every time I speak to someone they tell me they will have their research department fix the error. They never dispute what I am saying, rather, they say it is a glitch in their system. Meanwhile, our credit is impacted greatly as they show us to be in " 60-90 '' days not once but twice.
Both accounts below are settled and closed. Should have a zero balance on credit report along with a zero past due amount. Please investigate and update credit report. Accounts are shown on both transunion and XXXX credit reports. 

Account # 1 {$850.00} BalanceXXXX XXXX XXXX XXXX XXXX ( Agreed to settlement and account should be closed with a zero balance ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Account # 2 ( Agreed to settlement and account should be closed with a zero balance ). 
{$620.00} BalanceGE XXXX XXXX XXXXAgain, all accounts were settled and agreed upon by both parties. Both accounts should be closed and show a zero balance ... .. Please see attached report from credit Karma ( transunion and XXXX ) show this balance still.
I called Navient due to be being unemployed and unable to make my student loans payments. The company told me it was nothing they can do for me and marked my payments as being late. I had to keep on calling 15 times a day to speak with someone who was willing to help me out. I advised that my payments were not late and that it was being reported in error. No one has gotten back to me about the error and the lack of options for struggling borrowers like me. the only option they gave me was to pay.
Payment application practices are predatory. I graduated in XXXX, and entered graduated repayment. The original servicer was XXXX XXXX. I always rounded up my payment, and had the additional applied toward principle - this was automatically available, and a permanent choice I had made. On my ~ {$250.00} payment, I would over pay $ XXXX {$20.00}, providing funds for students through my repayment. My loans were sold to/split off with Navient, and I am wholly unhappy with their predatory schemes. I am unable to make a permanent choice that all overpayments are applied to principle ; instead any overpayment is immediately applied to future payment. This was resulting in what initially was only $ XXXX $ XXXX/mo of  additional interest, but over the life of a loan this could easily be in the $ 1000s. This guarantees difficulty in getting control over my loans, takes advantage of ALL customers. Additionally, Navient makes it difficult to apply any amount extra towards the principle, access any additional account information, and misleadingly advertises 'income based repayments '. I had entered into income based repayment for 3 years, and was luck to return to an extended repayment plan - I exited when my standard repayment was LESS than the income based and interest would no longer be capitalized. Additionally, while in income based repayment, one can not pay additional on principle OR capitalized interest. This is extremely detrimental to the consumer - if a consumer, on limited income, has the ability to pay down capitalized interest and start to get payments under control this would be beneficial. Instead, consumers in repayment are tethered to their repayment amount - over payment is applied to future payments ( again ), and any overpayment can/will kick you out of the payment plan, and demand capitalized interest all due within 3 months. NO STUDENT LOAN CUSTOMER CAN AFFORD THAT.
Collection agency is reporting on my credit report, but has not provided the requested sufficient information about alleged debt. 
I initially contacted SW CREDIT SYSTEMS L.P. on XX/XX/XXXX after I noticed a strange entry on my credit file that I had no knowledge of. I emailed the company at XXXXXXXXXXXX and also at XXXXXXXXXXXX. I received a response back asking to verify my address and some information about this account will be mailed to me. I did receive this piece of mail, but it was just a random bill. A bill that I had no knowledge of. I did not recognize the account or the charge. I then asked for SW CREDIT SYSTEMS L.P. to provide proof On XX/XX/XXXX. I outlined that by law they must exhibit an authoritative copy of the obligatory instrument or record, timed and date-stamped, which identifies SW CREDIT SYSTEMS L.P. as the assignee of the alleged Secured Party as the assignee of the record or records. To be valid, copies or revisions that add or change the Assignee of the authoritative copy can be made only with the participation of the secured party pursuant UCC 9-105. This was not received. They also had an additional account number on file, which I never held a contract at any time with SW CREDIT SYSTEMS L.P. and believe this may be identify theft due to the fact that the requested documents were not received and  they have my personal information reporting on a debt to which I have no knowledge up with an account number. Please help me remove this information from my credit file ASAP. It has been well over 30 days and proper verification/validation has not been established in addition to the identity theft. This is damaging my credit file and is restricting me from obtaining items based on my credit worthiness. If not removed I will be seeking damages as outlined under the FDCPA which are {$1000.00} per each occurrence.
Chase Bank has chosen this portal to intimidate me for their inability to provide a contract bearing my signature obligating me to pay the charge offs they are reporting on my CRs. Instead Chase Bank sends me receipts and checks WITHOUT my  signature verifying the account. Against the law. Chase Bank did not indicate Dispute on my CRs 30 days after the original dispute letter dated XX/XX/2018. Violating FCRA. I am requesting that you enforce Chase Bank XXXX and XXXX   and XXXX to investigate and report in accordance to the guidelines of the FCRA.
I tried to get my free annual credit report online from both XXXX and Experian. It has been more than 12 months since I requested a report from either of these companies. Neither company would provide this info to me online ; both require me to submit by mail or phone and wait at least 2 weeks for them to process and send to me through the XXXX. This is an unacceptable delay and makes me nervous that something may be wrong as I have been able to obtain my credit reports online for the past XXXX years. They provided no explanation for this " change '' on their part. In addition, I no longer keep paper versions of these reports but they will not provide to me electronically. There is no way to contact a human being to investigate this problem so it can be resolved so I can access my info electronically.
I can not get from chase who services my mortgage, who owns it and who has original loan docs and signatures.
I had received a letter in the mail on XXXX XXXX,2017 and it stated that Equifax had suffered a data breach. And that they understand there is a possibility that my personal information might have been exposed. So it said to go to the www.equifaxsecurity2017.comXXXX to determine if I have been potentially affected and to sign up for credit file monitoring and identity theft protection. So I went to that website and it says that yes your personal information has been exposed.