WillisBack/dataset-financial-user-claim huggingface dataset:
ACS I believe they are a total fraudulent scam of loan service providers if they truly are. They are supposedly servicing my loan from XXXX in XXXX, MA. I have had a few dealings with them since XXXX. They always tell me my address and/or phone number is incorrect. That they have corresponding with me consistently over the course of time by postal mail and e-mail. They also have my mother 's contact information This is not true. I have n't received anything from them except right after I left school and once about a year ago. Since then neither of us has received anything. I instantly received something about a year ago that I was going to have a payment due. I supposedly got a deferment from them from XXXX XXXX to XXXX XXXX. I have called them numerous times over this years time for documentation of some kind and information over the phone but I 'm always given the run around because I always speak to a different person who has no idea what they are doing or anything about my loan except an overdue balance with interest and late fees attached. They informed me over and over again that it is my responsibility that I owe it whether I received any correspondence or documentation from them at all. All of a sudden I get correspondence from them twice after contacting them these last few months and weeks. I have ask numerous times for paperwork to allow my mom to speak on my behalf and they said they have sent it but I 've never received anything. My interest rate is an astonishing 10 % interest rate and I have been told they can do nothing to accommodate me with my loan. I just need to pay the amount due. My recent correspondence states that I am over due by almost 2 months. The next one I received says I 'm only over due a few days. I have been told that I can not consolidate or transfer to a different company. The last two weeks they have called my personal phone numerous times a day 7 days a week while I 'm working. Numerous times I asked for paperwork to defer my loan again to no avail. I believe this company needs to be fully investigated for fraud and scamming individuals financially. The people are very rude and unhelpful. I believe they have purposely misled me and have hung up on me numerous times when I have called asking questions concerning my account and they ca n't answer the questions I ask except with a scripted answer for everything with no concrete answer. Supposedly from what I have read online sometime in XXXX school loans were transferred from this supposed XXXX loan servicer if they are one to other companies so why do I still have them as a true servicer of my loan. Numerous people have submitted complaints about these people and I believe that they should be held accountable to all the financial practice laws. I have recently filed a identity theft report with the Federal Trade Commission about this company. This company has many many different phone numbers and addresses with which to contact them.
As ofXX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX sinceXX/XX/XXXX
Account XXXX/XXXX Account # XXXX was closed on XX/XX/XXXX because of non payment from prior marriage. The company claims last payment to be XX/XX/XXXX which I believe is date sold to collection company not my last payment date. My last paid date was prior to XX/XX/XXXX and should not be on credit report because statute of limitations. I have disputed this with all XXXX bureaus and Transunion is the last to not remove this derogatory. I would like the proof from XXXX/XXXX as to there claim of a XX/XX/XXXX payment which I assure is incorrect and not a generic response from Transunion. This derogatory is hurting my ability to acquire home loan. The statute of limitations has run out and should be deleted. please investigate the issue. 

thanks XXXX
I work at a XXXX, when presented with an opportunity to further my education and advance in my department in 2006 I enrolled in a XXXX college in XXXX XXXX, CA to do so. I applied for what I understood to be a Federal Loan via the internet in order to support my self, wife and ( at the time ) XXXX children. While in the program I would not be able to work as many hours in order to attend school and would have XXXX to perform. Unable to finish the program due to a medical condition with XXXX I was forced to return to my previous position and lacking the ability to repay the loan properly. My family has since after a very long and hard decision filed personal bankruptcy two years ago attempting to make a fresh start and going back to what we thought was ground zero. We now find ourselves below zero with the current garnishment from XXXX XXXX XXXX XXXX. I was first made aware of the garnishment as I received papers from my HR department notifying me of the garnishment. The papers were never received by myself at my place of residence nor was I personally contacted by XXXX XXXX XXXX XXXX and XXXX in an attempt to negotiate with us. The impending garnishment on my check will in fact force us to move as my income pays our rent for myself, wife and now XXXX children. Only any additional money my wife makes puts food on the table, gas and utilities etc. We consider ourselves responsible people and arrived at the decision of our personal bankruptcy very arduously and after a great prayer and consideration. Only after discovering the loan with XXXX XXXX XXXX XXXX was NOT Federal and that there is seeming absolutely no recourse as a consumer we are simply at a loss. I feel we will be in indentured servitude for the unforeseeable future as we have explored any number avenues with no foreseeable avenue for a solution. My mother lives locally and is reaching an age where she will need care limiting our options of moving to a less expensive area of the county, in addition I am reluctant to leave my current employment as it has excellent medical benefits and my children as well as my wife have immediate medical needs which our plan covers completely. My child is enrolled in resource at her school with a XXXX and i am reluctant to changer her environment as well thinking of her future. If I were to loose medical it would be disastrous. I am simply at a loss and need help. I am not one to evade responability but feel not all of the lending practices exercised here were forthcoming and upfront or conducted properly. I ask for your scrutiny in this situation as I have already sought legal help which again was fruitless. Thank you for your time and consideration.
I went to the Capital One web site to apply for XXXX XXXX XXXX. By the time I finished the application, I realized it was for a credit card not XXXX XXXX. I already have a Capital One Venture Card and dont need another. Every time you apply for another credit card, it damages your credit score. This is a highly deceptive practice by Capital One. Please remove this inquiry from my credit report.
I am submitting this complaint about experian credit reporting agency and XXXX credit reporting agency. I have been disputing an account XXXX XXXX XXXX for months now. XXXX   finally deleted it off my credit report today. It is an account that has fraudulent charges that I had reported. This account does not belong reporting on my credit report and XXXX and experian are still not deleting it off my credit report.
I received a letter from SunTrust mortgage that I was going to be referred for foreclosure unless I paid {$3900.00}. The last payment I made to SunTrust was on XX/XX/XXXXfor {$1000.00}. When I called to set up payments, the agent stated that I could " try '' to make payments, but there was no guarantee that SunTrust would accept these payments. I called the next day ( XX/XX/XXXX ) and asked to speak with a supervisor because I was told that my payment of {$1000.00} was held because I was past due and this payment would not be applied until I brought the account current. I asked the supervisor to apply the payment and to not hold it and he stated that he would not and that my loan paperwork stated that payments could be held until the account is current. SunTrust is not the original loan holder and I have yet to receive a copy of this signed paperwork that I have requested. I have since mailed them {$2000.00} on XX/XX/XXXX and another XXXX today, so the loan is current. SunTrust also calls excessively, sometimes up to 8 times a day and never leaves a message. All agents of suntrust continuously pushed Loan Modification on me even after multiple statements that were made by me that I would be bringing the loan current by the end of the month.
I am currently a customer at Wells Fargo. For the pass few months there have been an excessive amounts of over draft fee 's. This is a result of pending transactions not being processed in the order that they occurred. They are also pulling duplicate debits to charge a late fee. I have noticed that they well have a pending transaction, then remove it because of not have more then XXXX over draft charges in one day. Then the same charge will appear on my pending transactions the next day that they had removed the day before. I have overdraft protection but the limit is {$310.00}. Wells Fargo well reorder transactions to put my in over draft, and reprocess debits that will put me way past my overdraft limit. 

In the last statement ending XXXX XXXX,2016 I had a total of XXXX in deposits, and XXXX in debits. There can be seen to be an excessive amount of over draft fees during the month. I currently have over {$1100.00} in overdraft fees, and over {$450.00} in returned item fees for the year to date report. In the statement before that, ending on XXXX, there was a total of {$420.00} overdraft fee, and {$140.00} returned item fee. With the overdraft protection they have allowed to go way over the supposed limit.This month they have continued to re pull transactions from weeks before to put me further into overdraft, despite my direct deposits. 

On XXXX XXXX, 2016 I called customer service to see if pending transactions could be canceled. The customer service rep said no because the money was already taken out of the pending transactions. However, they are able to cancel other pending transactions and then pull them to try and process again the next day causing more fees.
I have been receiving phone calls from an XXXX number. They leave an automated message asking to call back XXXX, informing me they need a legal statement from me and failure to do so will result in them collecting my wages, employment, and liquid asset information. There is no mention in the message of the person 's name or the company they are calling from. I have not received anything in the mail from this company trying to collect a debt. I do not want to call back because I have read more than several bad reviews about these phone numbers that they are scam artists threatening the person they call and relatives.
Correct insurance was provided to the hospital. The hospital used expired insurance instead and we were never informed about it. We monitor our medical claims and nothing came through medical claims and we were unaware. Suddenly this collection claim showed up on the credit report ( claim amount = {$2400.00} ). Once we investigated we found out that the charge was incorrect since insurance was never used. If insurance is used this amount will decrease by 80 % or more.

We contacted collection company on XX/XX/XXXX and they advised us to call back in two weeks. We called them today ( XX/XX/XXXX ) and their agent with very hostile attitude responded. She wouldn't let me talk. She promised to contact us when the correct amount is settled or if they have question but no estimate was provided. I asked if they will fix the credit report since the charged amount is incorrect due to hospital not using the provided insurance they said it will be at the discretion of her manager. If it is incorrect charge they should fix it as they claim to report correct information, which is the case here.

In summary, the charged amount is incorrect and we didn't know about it since insurance claim was not filed. Now they are being rude and instead of trying to help they are ignoring the fact that it is their fault to begin with. We are requesting them to process correct insurance as they should have to begin with and remove it from credit report since it is their fault.
XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX 2017 Dear XXXX Experian/ XXXX : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; XXXX has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted XXXX/ Experian XXXX XXXX 2017. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX
On XX/XX/2016, I requested a cease and desist letter with the lenders of my car loan, Consumer Portfolio Services. I have also requested that I do not receive and text or automated call from this company. I have never been over 15 days late on my car loan and while I understand that this company has a right to inquire on a debt but the numerous calls, sometimes 3 or more a day is simply out of control. This company has continued to ignore my request and I want it to stop.
Numerous letters and appeals to SPS Servicing requesting loan modification or reduction in mortgage payment as I 'm financially strapped. They send the same paperwork repeatedly after I 've completed and faxed to them many times. They continue to say this is in process after 7 months. Calls have been placed, with the same statement of completing paperwork that was previously completed & faxed. They have my condo listed as vacant, I live here. I 've provided utility bills as proof.
First of all this company makes it an inconvenience to its customers needing to make some type of arrangement for a late payment. They want their customers to come to the office to make the arrangement and refuse to do it over the phone where as all other financial institutions will gladly do it over the phone. This company wants you to leave your employer to come in the office possibility of their customer losing their job. Second this particular branch calls you a day before the arrangement has been set for saying that the arrangement day was missed. You tell this particular branch you mailed the payment and it takes one day to get from the customer 's house to their office via mail. They still call 6+ times a day after 3 days you mailed knowing they have the payment and want to harass you anyways very unprofessional and rude to their customers.
My fiance and I are in the process of closing on a XXXX bedroom XXXX in XXXX, NY. After doing our research, we chose Citibank due to the closing cost assistance program they offer to first-time home buyers. Since starting the process in XXXX ( 6 months ago ) we have received very poor customer service. Our first representative ( we are currently working with a 3rd set of representatives ) would n't email us in a timely matter, sometimes going weeks at a time without a reply. Since we needed to submit an application to the XXXX board for approval, his delay caused us to miss our first XXXX deadline, potentially having us loose the bid on the property. Since XXXX, we have had multiple errors on our file including address, identifying information, misspelled names, etc. We are now having trouble receiving information regarding our mortgage lock, interest rates and a date to close.
Starting in the year of XXXX I began to have problems with my student loan. At that time they would not allow me to make payments on the loan because they had put a bankruptcy on my account. It took them about a year of me and my mom calling them to get them it figure out that they had put the bankruptcy on the wrong account. The whole time during XXXX, they would not allow us to make payments but continued to charge interest to my loan. Ever since then my payments have been more than what I can make and more than the original agreed upon amount. When I called to try and get a lower payment, they kept telling me that " a forbearance was the only option for me. '' Not knowing that this would increase my payments, I had no choice but to do it in order to get a few months of relief in an attempt to catch up. I would constantly get email notifications from Navient telling me that I had options to lower my monthly payments, but when I called they would just tell me that the forbearance was the only option and they were unable to lower my payments. Recently, about two months ago, I noticed that my account said that my minimum payment was {$0.00}. So, I had assumed that they put a forbearance back on my account, but today I logged on to my account, I noticed that it was still at {$0.00} for the due amount when today should have been when the payment was due. I called Navient to see what was going on with my account and that is when they informed me that my account is on hold do to a law suit that was in progress. They told me that I can still make the payments on the account but the interest will continue to accrue. My loan balance has increased by {$500.00} in the course of two months. I then asked about lowering my monthly payments and he told me that I would n't be able to until XXXX and informed me that once XXXX came, I would need to start making a {$200.00} payment, which again is raising my payment and not lowering it, unless they can lower it for me in XXXX. Due to finances in the home, I can not afford a XXXX XXXX monthly payment nor can I afford to have my loan to continues to increase the way it is, I need monthly payments that are more affordable. I feel like I am being taken advantage of and I can not afford for this loan to keep on increasing, it started at {$12000.00}, and now it is at {$15000.00} plus, even though I have made many payments. If this continues I will be trying to pay this loan off for the rest of my life
I recently opened a Barclaycard because of its zero percent balance transfer rate. Barclay attempted - succeeded - in a balance transfer for twice the amount I actually owed on my XXXX XXXX card. In addition, while Barclay shows the balance now on that card there is still the original balance on the XXXX XXXX card. So now I have gone from a $ XXXX debt to $ XXXX debt simply by attempting a balance transfer. Both banks claim the other bank has to resolve the issue. XXXX XXXX says there is no payment from Barclay but Barclay shows the two erroneous balance transfers. I have tried getting help from both companies to no avail. Both say " wait and see it if it fixes itself. ''
There are  XXXX  wide ranges of credit worthiness, with Transunion varying almost  XXXX  points.  XXXX  shows "  Good '' while Transunion shows " Fair  '', dispite both having the same information. My derogatory credit goes back as far as  XXXX . I have disputed every derogatory remark, with results of removal from record. However they still posted on report.     Here is where the conflict occurs. My credit history has been resto red after over 8 years, yet credit history report reflect  s 4  yrs. and 10 months. Why are negative reports going back to  XXXX  still showing after ov er 20  yrs.!?     Any inquiries that have been resolved and proven paid, still show on payment records.     XXXX   XXXX   XXXX   XXXX  :  XXXX  incurred, paid in  XXXX . Finally acknowledged and disputed in  XXXX  and determined paid, only after requesting  XXXX  send paid verification back in  XXXX ?    XXXX   XXXX  : Initially with   XXXX   XXXX  , then sold to  XXXX , Settled with Deed in Lieu, sol d 2 m ore times to other companies, each time moving time of incurrsion at the date of transfer to other company ( ie.  XXXX ,  XXXX   XXXX   ).      This Debts all " removed ' and inquiry completed and removed with {$0.00} liability. Yet negative reports go as far back as  XXXX ?
Disputed the validity of this entry on my report and never have been provided account details as requested. Send notice that account was paid in full and funds to original creditor. The account delinquency was XXXX and according to law once a debt is paid and XXXX is paid then the collection agency no longer has an account to report. Please delete this item immediately as I have waited over 60 days to get this resolved and numerous calls. The debt was a duplicate also to another debt collector, causing several inaccurate entries to my credit report. 
It is sad that I have to cause stress to myself to fix this problem .Collection accounts that are closed and returned to the original creditors are to be deleted from the Credit reporting agencies, as these accounts are no longer in collection. 

Furthermore, if the accounts were paid they should not be listed as an open account. 

Your verifcation of the accounts as a " Paid Collection " is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; XXXX XXXX XXXX ( XXXX ) providing false information to credit reporting agencies FCRA violations ; XXXX U.S.C. XXXX duties of furnishers to provide accurate information. 

XXXX XXXX. XXXX - failure to provide accurate information, failure to correct reporting.
I had a Citi Mastercard Platinum and before that another name that was fixed 9.9 % when I called them about another issue the man encouraged me to switch to another type of Citi Master Card that offered restaurant etc advantages, a sales pitch ;, to obtain a Diamond preferred Mastercard, keeping the same number. What he failed to disclose was that by taking this offer I lost my fixed rate to a variable rate. I want my 9.9 % fixed rate back. They also changed the amount of time i was a member with them. These things affect me in that our USA and global economys could go bad at anytime and as a variable rate a credit card company can request market rate which could be exhorbiant. I am worried about them being able to change the rate on me at will. Also, and/or that any of this could effect my credit rating which is extremely good. Please help me get my fixed 9.9 % rate back.
I am writing you to report a TILA/RESPA violation regarding Rocket Mortgage. Per the regulation see information below from CFPB webinar and the CFPB small entity guide no online application can require information other than  the 6 pi eces of information that constitutes an application.  Rocket  Mortgage asks me  all 6 pie ces of information and required more information without allowing me to continue to submit an application. I really hope that this is stopped because it is a violation and they are at a competitive advantage in setting their system up illegally. Pease see the screen shots and regulatory information provided below to support my findings.
This credit card company Kohls/Capital One is reporting on my credit report {$1200.00} of debt. I requested proof bearing my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required.
Selene Finance has given my realtor and myself the go around in order to get a letter stating what is owed on the mortgage. We have had to reschedule our closing on this home twice now. I have called the company every day for the last week, multiple times in a day to get the letter either emailed or faxed to me with no luck.