WillisBack/dataset-financial-user-claim huggingface dataset:
I have been struggling to work with SPS on keeping my home for several years now. I fell upon hard times when I lost my job of several years and could not afford my mortgage. I eventually fell behind and applied for assitance with Keep Your Home California. I was approved for this program but SPS would not accept the funds from this program and instead placed me into foreclosure. I decided to attempt a short sale but that has not turned out so well, SPS wants alot of money for my house and there is not a buyer willing to pay that much for my home. My home is in need of updating and minor repairs. I started working again and with my wife 's income I can now afford a mortgage payment. Since I have been unsuccessful with the short sale I decided to apply for a modification. I sent in all my documents and they were received by SPS. Now I am being told that due to me having a sale date that they can not work with me. The worst part is that they are unclear as to how much time is needed to review me for a modification before a sale date- I was told it was 7 days, but theyve had my package at least 10 days before my sale date and still refuse to work with me advising that their system wont allow it. I feel like this is the hardest company to work with, I have done everything they asked- I just dont want to live with having a foreclosure on my credit and I can now afford to keep my home. This treatment is very unfair I wish they would just be easy to work with but it seems like all they care about is foreclosing on good people that have come across hard times.
I have been in close communication with XXXX XXXX regarding the reporting and detailed erroneous information that has been applied to my personal credit report for XXXX XXXX, XXXX, and Experian. I have received written information from XXXX XXXX stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with XXXX XXXX, XXXX, and Experian to have these accounts removed from my report as the information is no longer valid. XXXX XXXX, XXXX, and Experian completed the dispute wXXXX XXXX XXXX by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by XXXX XXXX, XXXX, and Experian within this amount of time and this resolution is completely inaccurate.
I have been receiving call at my place of work. And today they started to inform employees I work with about the debt they say I have with them. They called several time including calling me at XXXX on several occasions.
After multiple attempts, this company will not show proof of this debt that suddenly appeared on my credit report. 

They are saying it 's for a lease, but I never signed this lease, nor did I live where it 's saying. I 've been in California. 

It 's not fair that I 'm being held captive for something that does not belong to me.
MY CHECKING ACCOUNT today, XX/XX/2018, # XXXX, had a small ACH deposit. This was the ONLY account activity during the last two ( 2 ) days. however, the online screen reflected {$0.00} available balnce -- the availabel balance should have effectively been {$1000.00}. 

in telehone conversations with PNC Bank ( including XXXX XXXX, Supersivor ), NOYHING is being rectified -- he pointedly said there is some type of unexplained Hold on the account and will NOT remove it. i AM STILL " ON HOLD '' ON THE TELPHONE WITH HIM VERY UNACCEPTABLE AND ILLEGAL BEHAVIOR!!
Around XXXX we consolidated our loans and paid off a loan to Chrysler financial for an automotive loan. In XX/XX/XXXX we applied for a lost title at our local town office in Tennessee. At this time it was made known to us that TD Financial XXXX XXXX XXXX XXXX XXXX lien on our title. I was directed to TD financial XXXX XXXX, then to My title Support XXXX, and back to TD financial to find that there is a " balance due of {$85.00} '' for " charges and fees ''. I have NEVER received any notifications from XXXX, TD Auto Finance or any other representative in the TEN to TWELVE YEARS since that loan was paid off. TD Auto Finance is located in XXXX Maine and I have never transacted business with them. I requested a supervisor call me to discuss the " balance due '' on XXXX/XXXX/15, and 1 week has passed with no response despite the XXXX calls I have placed to their " customer service department '' I find it very concerning and unethical that a corporation can quietly hold a " balance due '' for more than 10 years and then demand a consumer pay.
Over the past six years, I have been serving in the XXXX XXXX. Prior to enlisting, I attended XXXX, where I paid for my schooling by taking out student loans. My father had lost his job during XXXX and was XXXX. I could n't believe how easy and quick it was to get a check in the mail from Navient ( XXXX XXXX ). Literally, a six-minute application and a week later, I had instant money. No questions asked. Even though I had no credit history, no employment, and most of the time, no co-signer, Navient threw money at me. I now know this is immoral and predatory. I saw XXXX XXXX as a means of comfort, knowing that I could focus on my education, and even help out my parents at times. I had no idea what I was getting into long term. 

Since joining the XXXX, I have made great headway by saving and paying off large loans, reducing my interest rates with SCRA, and living on a very tight budget. When I got married two years ago, those attempts were compounded, and as a family, we saved and paid off even more debt. To date, we have paid off over {$60000.00} of my original debts. 

My wife 's name is XXXX. XXXX XXXX. She has worked very hard all of her life to become XXXX. She even earned a XXXX at XXXX XXXX. Her first job in our marriage was with a XXXX that we both found XXXX, she also was paid a healthy salary of $ XXXX/year. 

However, due to the uncertainty of our upcoming military move ( XXXX ) and an unforeseen reassignment due to my wife 's medical condition, my wife sacrificed her dream job to follow me. She has since been rehired as a XXXX for XXXX XXXX, dealing with XXXX on a daily basis. Her new salary is less than half of what she originally made. However, this job will end with our XXXX to XXXX XXXX, TX in XXXX 2016. Leaving her with no employment openings or opportunities in her field of expertise. 

XXXX. 

XXXX months after arriving at XXXX XXXX, our current student debt payment ( $ XXXX/month interest-only payments ), will skyrocket to over $ XXXX/month when the interest-only payment schedule ends. Due to my wife 's salary reduction, we have not been able to pay off as much as originally planned. This jump in payment will put us in severe financial hardship. Even if XXXX is able to secure a low-paying job, we will not be able to pay our bills. 

I am asking for help. Please help my marriage and my family. I am very afraid that if our current situation continues any longer, my marriage may fall apart. I want to serve our country as well as my wife, but this financial situation makes it impossible. I also want to know what my rights are as a U.S. Serviceman, to help stand up against this student loan corporation. With part of our financial burden alleviated, I have no doubt that our health will improve, our marriage will strengthen, hope will return to our lives, and I can carry on with the mission. Navient has been uncooperative, I have exhausted my XXXX resources, and I do n't know where to turn. Please help save our family. Thank you for your time and consideration
Upon recently checking my Equifax credit report, I noticed an XXXX point credit score drop and investigated the cause. The cause was a duplication error on a derogatory mark/collections account on the report. The collections account from XXXX XXXX for XXXX dollars has been duplicated and caused a significant drop in my score. I attempted to correct this on the Equifax website but was met with a requirement for a case number that I do not have and have no way of generating.
Within 120 days of the Effective Date, not call a particular phone number related to an account if any person has requested, orally or in writing, that DriveTime XXXX stop calling such number or has stated, orally or in writing, that the consumer that DriveTime XXXX is trying to contact can not be reached at that number ; Must not communicate with any person including references. Requested to do so by the person after the account has become delinquent or DriveTime XXXX reasonably believes that the earlier response of such person is erroneous or incomplete and such person now has correct or complete location information ; and DriveTime XXXX has not had contact ( meaning outbound call with right party contact or inbound call, email, or letter ) with the consumer in 30days or more. Must not communicate with third parties, including references, after the third parties have requested, orally or in writing, that DriveTime XXXX not communicate with them must take the following affirmative actions within the time periods provided : Within 30 days of the Effective Date, not adopt and implement reasonable policies and procedures to prevent communications that would be violation damages to the accountholders. Must not communicate with consumers at their workplaces if consumers have requested that DriveTime XXXX not communicate with them at their workplaces fully aware DriveTime XXXX knows that the consumers ' employers prohibit communications to their workplaces XXXX of FL adhere no personal use company 's property business lines, fax, copier, email and computer system etc.. 

The written consumer information furnishing policies and procedures that Furnisher Rule in compliance effective date cease furnishing information related to a voluntary or involuntary repossession verified the information is falsehood written that must be permanently block the refurnishing of the inaccurate information the accountholder motion name XXXX instance that Motion Consent Order requires the Board to ensure adherence to, or undertake to perform, certain obligations of DriveTime XXXX, the Board must : a. Authorize whatever actions are necessary for DriveTime XXXX to fully comply Motion with the Consent Order ; Require timely reporting by management to the Board on the status of compliance obligations ; Require timely and appropriate corrective action to remedy any material non-compliance with any Board directives related to this Section and more.
Westlake Financial has stopped my access to online bill pay, making the only way that I can pay them through the phone. There have been two incidents in which Westlake Financial has acted in bad faith through verbal communication, causing me to no longer be able to communicate with them through the phone. Additionally, any attempts to email them have not gone addressed with a personal response, only their automated response.
Received an online payday loan from XXXX XXXX in 2008. Loan was paid back but lender kept debiting my account, causing hundreds in fees for overdrafts and my bank closing the account. For several years I 've received threatening calls from their various debt collection agencies, mainly out of XXXX, NY. The original {$300.00} loan that was paid in 2008, ended up as a {$1000.00} collection account on my credit report. After disputing this ( again ) and speaking to the current debt collector, they agreed to remove it ( again ). After the loan was paid off, the state of Missouri declared they were illegal and void, as they had no license for business in the state. Missouri is the state I lived in when I took out the loan. Every time a different debt collector contacts me, the balance changes along with the supposed date of the loan, that way they can avoid the statute of limitation. This seems to be the only company that has avoided your wrath but is as bad as they come. Hidden fees in the hundreds of dollars, threats of jail, calling neighbors, employers and in my case distant relatives several times a day and disclosing every detail about this supposed debt and claiming I was wanted. They were supposedly searching for me yet knew all of my contact information. I was an XXXX to take out the loan then, but I was waiting for my military XXXX to be approved and I have many kids. By changing the details of the loan, they keep listing it on my credit report and use yet another shady collection agency to try to take my money long after the time barring took effect.
I pulled a copy of my credit report and noticed there was a collection from two companies that I was unfamiliar with so I disputed with the credit reporting agencies. They sent back their response as valid. I still wasn't familiar with the accounts so I sent a request to the companies directly and they have not responded and I mailed the request in XXXX. The first company is XXXX XXXX XXXX XXXX the other is XXXX XXXX XXXX. Again I have no idea what these two companies are collecting.
I opened a Credit card account with Santander in XXXX and took a Promo Balance Transfer of {$4500.00}. I also did some purchases and keeps on paying all by purchases in full plus any fee and minimum payment on Balance Transfer. According to guidelines, the payments that I am making should be first applied to Fee & Interest then higher APR bucket. But, they apply payments to my Promo Balance transfer which does n't clear my Purchase balance and then apply Interest on my Purchases. 

I would like to explain this based on my XXXX 2016 and XXXX 2016 statements, which I will be attaching. In XXXX, I made {$4500.00} in Balance Transfer, XXXX in Purchases and {$130.00} BT fee and paid {$700.00} in payments even before statement is generated. 

In XXXX 2016, statement I have payments of {$1100.00} which is made before my XXXX Statement Due Date of XXXX XXXX 2016. Based on these payments, my Purchases and Interest & Fees of XXXX XXXX should be cleared and minimum payment on Balance Transfer should be covered. But, since they applied good chunk of payments to Promo Balance Transfer, Purchases are not cleared and it is rolling over and charging me interest on purchases in each statement. 

Now, its an ongoing issue as I am still making payments higher than purchases, but it is not clearing total Purchase balance. I have contacted them multiple times but they just keep on stating there same policy documents. I have even asked for written explanation of methos the payments have been applied, but they have denied it twice asking me to refer to card opening documents. According to me, they are not following there policy of applying payments to higher APR balance.
This is my second complaint about the same thing. American Express Serve card. 
Complaint number : XXXX The letter answering my complaint talks about a {$1000.00} request for withdrawal that was against their policy. I did Not see any {$1000.00} on the statements they sent and I have No record in my bank accounts of {$1000.00} deposit to XXXX or reverse. How do they know it was n't a scam/fraud on my account? And They never asked me. They closed my account so I could n't look at it. It concerns me that someone used my account since XXXX stated the transaction was complete.
In XX/XX/2016 this account was settled in full during the cancellation period when all equipment was returned to XXXX XXXX. The store and corporate acknowledged that account was paid in full and admitted to being in error. This new collection is also in error and should be removed permanently to remove any liability made against me.
On or around XXXX XXXX I pulled a copy of my credit report after I disputed XXXX XXXX  in which it was removed from my credit report. On or close to XXXX XXXX XXXX XXXX  was added back on to my report and the credit bureau has failed to send me any notice of this change within 5 days like the law states. I am aware that in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.
Rush Card/ XXXX XXXX on XXXX XXXX, 2015 there was a service up that same day the update was completed and service was supposed to be normal. On Wednesday XXXX XXXX, 2015 my employer send my direct deposit in the amount of {$500.00}. These funds are to be available the following day, but this was not the case. From the recording when you call something happened with the update and funds would be available on your regular pay day which is Friday. Rush card offers 2 day early direct deposit is one of the reason I have been with them so long. Today is XXXX XXXX, 2015 and I still have no funds and according to them they have idea when I will have my funds which is unacceptable. Others I know are having the same problem. All I want is my money so that I can close my card out and be done with this company. Since this update no one has been available to anser questions and the line keeps hanging up.
I have a Discover student loan current under repayment. The loan has increased the APRs that are now around 8.75% and the minimum payment is coming to a total of $XXXX per month. The company was providing me with a lower monthly payment ($XXXX) that was basically only paying the monthly interest but not decreasing the total debt at all which is extremely frustrating but at least I was being able to keep the payments on time. Now, they have stopped the lower payment and are demanding me to pay the total minimum of $XXXX. Just to better explain my entire situation, I have another student loan that is paid directly to XXXX University on a minimum payment of $XXXX. So, with both student loans combined, I am required to pay a total of $XXXX in student loans repayment every month. I just graduated from college 1.5 years ago and I'm an XXXX XXXX starting my professional career in XXXX XXXX. This total amount of $XXXX  already corresponds to more than 50% of my monthly salary. I would love to pay the entire amount or even more to get rid off this debt as soon as possible, but right now I just can't. I don't have the financial means to keep up with such a high bill. I still have to pay for other expenses that are necessary for my personal well being such as rent, utilities, food... I have tried to talk to Discover to lower the payment and reduce the APR so I could continue to struggle but at least keep the payment on time but they have refused to provide any help.With an APR 8.75% for the past 5 years, they have already accumulated such a big amount of interest on this loan and they are still extremely greedy about reducing the APR or providing help. I haven't even started to repay the original amount yet. Every payment has been towards interests only. I really don't want to fall behind my payments but I really can't pay their minimum of $XXXX.
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate .My name is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I AM SELF EMPLOYED AS XXXX XXXX XXXX XXXX. 
DBA XXXX XXXX XXXX.
When card holders of Capital One US Credit cards make payments to the account they must do so by XXXX EST. Other financial institutions allow you until XXXX EST. Each time that the payment is made after XXXX you get a {$37.00} late fee and hurt your chances of improving your credit with and increase ( I am trying to remodel my home and was going to ask for an increase ) even when you you make the payment on the due date just after XXXX EST. When you call capital one to talk with them about this, you will get told that is their policy and there is never anyone there to give the information to that would maybe pass the idea along to catch of with the reset of the industry. I have made multiple calls to the but clearly it never goes anywhere. 

I am very responsible and I am a XXXX XXXX XXXX who has been working 7 days a week for 12hrs a day because of the recent hurricanes and when i called them after work at XXXX on XXXX to try and XXXX XXXX the money tonight so i would not be late, i was told that any payment weather XXXX XXXX or through my account, would be considered late after XXXX EST. I have made the payment a few years ago at a XXXX union after XXXX and it was n't late, that has now changed. Why are they making it harder to make payments and punish the consumer for trying to make a payment on the day it is due. 

If you are in PST ( CA, OR, WA ) you only have until XXXX your time. Why is this even a thing? This is XXXX, something needs to change. I am sure if this is happening to me its happening to more people.
IC Systems called about 3 months ago saying I had a collection out for an XXXX XXXX XXXX account I had opened in XXXX XXXX. The calls happened in XXXX and I had no previous notifications about outstanding debts ( i am very good about managing debt ). Naturally, I drove to XXXX XXXX XXXX to resolve whatever was on my account, but they had no recollection of any outstanding balances with them, nor could they trace the amount I was told I owed. I also asked them if they use small, family owned debt collection companies out of Minnesota, like IC Systems. They said no, they go through large, verified companies that collect debt and give ample time to take care of any debts and give several notifications before sending to collections, which was not done. They said I had partaken in a scam transaction for {$84.00} and some change. I immediately went to my bank and cancelled my card and reported a dispute for fraud on my account. 

It has been 2 months since this took place and today XXXX/XXXX/XXXX I get another call from IC systems in another state and city, with a different number and no voicemail left. From the first run in with them I knew they could n't have any credible information on me so I called back and told the man who picked up the phone that they are a scam and I am reporting them to the FBI and the BBB. He tried to tell me that they are a real company but I hung up. Several XXXX searches proved that IT IS A SCAM COMPANY. Some said it is a scam group posing as IC systems trying to get you to make payments over the phone, others said it was actually IC systems and they were scamming people. I am tired of the scares about collections and they need to be taken down.