WillisBack/dataset-financial-user-claim huggingface dataset:
In approximately XX/XX/2015 I contacted Navient and requested the total amount due to bring my account current. The Navient representative provided me with a specific sum that needed to be paid to bring the account current. However, the information given to me was wrong and I was not advised of this fact until approximately 3-4 months later. At that time a different Navient representative advised me that I was given the wrong amount due XX/XX/2015 and that for the past 3-4 months I was past due and would be reported to the credit bureaus. Essentially, I relied the the Navient representatives representation to my detriment. This detrimental reliance caused me to suffer financially and has now directly impacted my FICO score and my ability to refinance my home loan. It is noted that this is not the first time that a series of actions like this have occurred and in fact this occurred approximately 3 times with Navient 's predecessor XXXX XXXX. The worst part is that Navient acknowledges that they made a mistake but takes absolutely no responsibility in remedying the problems they caused.
On XX/XX/XXXX I bought a prepaid debit card through NetSpend from my local grocery store ( XXXX ). I purchased the card for {$4.00}, and put {$130.00} on the card to pay my car insurance from my computer. Once I got home I attempted to activate it. I put in the necessary information ( SSN, birthdate, full name, etc, ). Once I completed this process and put the inactive card number in, I received and error message and was instructed to call the company. I did not see anything strange with this as I have had my identity stolen before. I called and attempted to complete the process over the phone and was directed immediately after entering my number to a customer service agent ( which I use this term very loosely as you will soon realize ) and was first informed about a previous charge on my card from five years ago that resulted in a negative balance of {$XXXX}. I was then told that until I cleared this debt, I could not activate my card. My only other options were to of course let them take the funds " owed '', or to get a refund on my purchase and wait 20 days for it to come in the mail. In addition to that I would be charged a fee for them to do this. In retrospect I did not react well to this news. I became quite the person to deal with and I ended up hanging up the phone because I was so frustrated. After I had calmed down just a bit, I called them to try to find out about their policies and where it stated that they were allowed to do this. I still have not gotten the answer to that. I was then told by a representative, that I would need to submit my ID, SSN, and proof of residency. I have done this countless times from this past Friday until now, but they keep saying different things like I did not receive a reference number, my copies were incomplete. Today I have scanned the documents in versus taking a photo from my phone, so hopefully this annoyance will cease. As for them taking my money, I have researched and researched. From what I have gathered, they can not legally do this, especially since they made no attempts to collect said debt from XX/XX/XXXX. Their response is that they treat me like any bank would when there is a balanced owed. My response was that a bank would attempt to collect said debt, through email, snail mail, or phone call. It is even more frustrating since I have told them they may collect said debt, and they still refuse to activate my card. I have repeatedly told them that I would no longer be bothered with their company or their services once this has been done. Why can I not have access to my own funds? Why am I punished for a debt I have no knowledge of from XXXX years ago? Please let me know if I have missed some legality.
I have two mortgages with Ocwen Servicing LLC. I place  one of the property on the market for sale in XX/XX/2016. It was discover my the buyer attorney that the title was not clear. I work to find out what the problem was. During this time I got behind in my monthly payments. The property been sold was multi-family and paid the mortgage for both properties. I contacted Ocwen ask that they investigate, they claim the title was clear. I send them documents from my research sure what they will do. This company has a bad history.
XXXX services was sold my 2nd mortgage account from XXXX XXXX. I filed bankruptcy and it was discharged in 2009 with XXXX. XXXX services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX
On XX/XX/XXXX I sent a dispute letter to Armada collections agency and as proof I sent the letter with a certified mail receipt. Armada responded on XX/XX/XXXX not with verification but just a print out of charges of the alleged debt. The letter sent by me plainly said to provide viable evidence bearing my signature as proof of the debt being reported to the major credit bureaus. I sent a second letter certified mail on XX/XX/XXXX I was sent the same information as before just a print out. It is now over 3 mos and they have not sent the proof I requested. I did notice they removed the item from my credit report temporarily but has since added the item to my credit report once again. Armada has violated the FDCPA { 807 } and { 15 USC 1962a }. They have not placed the clause ( Account information disputed by consumer, meeting FCRA requirements at all or within the 30 day period. I will be filling action against this company in small claims court as stated in the letter I sent on XX/XX/XXXX and XX/XX/XXXX. I have since been denied credit because of such error and this has been frustrating because it has effected my livelihood.
Hunter Warfield failed to contact me after they received dispute letter with in the 30 days. I disputed the debt from a lease because the dates end date of the lease was before the start date of the lease. The lease we signed on XX/XX/2015 and it clearly said the lease started XX/XX/2015 and ended XX/XX/2015. There is an error in the way this lease was written by them and I 'm not at fault for their error. I feel they had a professional duty when creating this leases to be sure all the dates are listed correct. I also ask in my letter to them to notify me in writing by mail and email immediately when they have receive my letter. I only recieved the intial from them and was never mailed anything else about this debt.
I 'm receiving daily debt collection calls from General Revenue Corporation, from a " XXXX . XXXX. '' Last year I also received daily calls from them for over a month until I called them. They were trying to collect a debt from a family member of mine. I informed them that my phone number was never associated with that family member and to stop calling me. They said they would remove my phone number from calls. And they did, for about a year. And then they started calling again about XXXX XXXX, 2017. Their phone number is XXXX.
On XX/XX/2018 I had deposited {$50.00} to my account. Later I attempted to withdraw {$40.00} from the ATM at this location with my prepaid AMEX-Bluebird Card which the machine indicated to contact my bank. It did not dispense any Money to ME! I went 5 miles to a XXXX to see if I could get a cash back and was told that only {$4.00} WAS ON MY CARD I called AMEX-Bluebird which the first customer service woman said Contact the bank ''. I called back moments later and received another Customer Service representative XXXX who indicated that I should not contact the bank and their Dispute Department would handle it. '' The dispute department filed a claim which I sent the necessary documentation. 
AMEX- Bluebird Investigation reply Hi XXXX XXXX XXXX We received your recent inquiry about the following transaction : We have completed our review and have determined that no credit is due. The transaction will remain on your account because : Transaction Details : Date XX/XX/2018 Amount {$43.00} From/To XXXX XXXX - XXXX VA The ATM provider confirmed the funds were dispensed for the amount requested. 
If you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX.
Hello, My mother-in-law received an unsolicited pre-paid debit card from netspend.com. My mother in law is elderly and very upset and concerned about the card arriving unexpectedly in the mail and the potential effect to her credit. After, explaining to her the nature of the solicitation she is now aware of the tactics used by such unscrupulous companies. Netspend.com is practicing in predatory behavior by sending these un-requested cards to individuals, especially the elderly. This behavior can not be allowed. 
Thank you.
IN REGARDS TO TRANSUNION XXXX. XXXX XXXX XXXX P.A. XXXX I HAVE TRIED SENT CERITFIED AFTER CERTIFED LETTER TO THESE GUYS TO TRY TO GET WITH PROPER DOCUMENTATION TO ADD AN EXTENDED 7 YEAR FRAUD ALERT TO MY FILE AND THEY HAVE YET TO DO SO. THEY HAVE NOT EVEN ANSWERED ANY OF MY DISPUTES BACK WHICH IS BECOMING VERY TIRESOME FOR ME AT THIS POINT SO I TURNING TO MAKING A COMPLAINT. I HAVE A LAUNDRY LIST OF THINGS THAT NEED CORRECTING. IM A VICTIM OF IDENTITY THEFT AND I HAVENT BEEN TREATED LIKE SUCH WITH HAS ME VERY XXXX AT THIS POINT. WRONG FRAUDULENT NAMES AND EMPLOYERS AND CREDIT INQUIRIES AND IDENTITY THEFT ACCOUNTS.
For the last several years my loan service provider ( Bayview Home Loans ) for the XXXX has been lying about the fact that the XXXX on our mortgage 'agreed to a $ XXXX buyout ' on the loan if sold or short sale or DIL. All the while denying us an assistance whatsoever over the years saying 'we ca n't do anything but foreclose because your XXXX has not responded to the buyout request ' This is unacceptable, not even mentioning all the other tactics, but this one was the last straw. I found out when she let it slip out on one our our rare phone calls that " all we 've been waiting for is a {$200.00} bill you need to clear up because the XXXX signed off long ago ''. 
When I called her on it, she admitted it but did not stop the many foreclosure attempls on our home, which we fight off with skeleton Chapt. XXXX filings, in hope they will come clean before next sales date, but no, they continue to nothing other than try to sell the house at auctions. What can I do? Where'sre more than 3 years behind on our mortgage because of these and other tactics they have played on us over the years, but to know they lie to just to try to sell our home! No! Over the years they claim to have lost our essential paperwork at least 8 times, continued to put us on a merry-go-round of 'loan reviews ', which only serve to push us deeper into depth over the months of processing and no trial payment periods ... then use the fact that we are now 'too far behind, you now owe more than the guidelines require for help, .. we do n't have to help you ' But, this bold face lying about the XXXX not responding is beyond the normally terrible, anti-home owner service you normally see. 
On top of all this, the home was built 'Defective ' by XXXX XXXX ... and they do n't want to pay for repairs, so a class action lawsuit has been going on for four years.
I have not had XXXX XXXX for approximately five years. I have never had Dish call me or send me mail stating I owed them money, and I do not agree that I owe them anything. Suddenly after all these years Diversified consultants began calling me, however they refuse to give me information without me telling them my social security number when they are cold calling me.They have not sent me a single notification by mail though it has been more than a month since they first called me.
I received my annual escrow statement from Carrington Mortgage Services who took it over from XXXX in XXXX XXXX. It shows two shortages, one for increase in taxes and the other to meet the minimum required balance. There is an escrow payment missing in their analysis that creates the short fall, another error that I can not identify and they have also created a shortage by projecting a winter tax payout due on XXXX XXXX being made in XXXX of the previous year. I called and was disconnected three times. I finally spoke to someone who did not understand the schedule and could not explain the shortage to me. She ended up telling me I needed to file a complaint with their complaint department. I have sent three emails with no response and just tried to fax them and their fax machine is not answering. My discussion with their representative was horrible. She originally told me the property taxes are paid 2 months in advance because it takes XXXX township that long to process payments. I spoke with XXXX XXXX and they post in 24 hours. In addition, the summer taxes due in XXXX are paid in XXXX or XXXX. This has been a horrible experience and I do not know what to do. My mortgage payment have increased by {$620.00} per year of which only {$250.00} is related to actual cost increases. The remainder is due to them missing an escrow payment in XXXX XXXX. They are also projecting the payment of property taxes two months early before the escrow has replenished ( summer taxes paid in XXXX, winter in XXXX )
AWA Collections, of XXXX, has acquired a debt of {$640.00}, plus {$32.00} in interest, from XXXX XXXX. This is a debt XXXX alleges I owe after renting a car last XXXX in XXXX. 
I attempted repeatedly to inform XXXX, and then AWA Collections, that I have already paid part of the fee and the rest is being charged in error due to mistakes by XXXX. Specifically, the company shows me renting a car different than the XXXX I actually rented and returning it three days later than I actually returned it. I provided documentation showing both errors by XXXX, but to no avail. AWA Collections was similarly disinterested in the truth when contacted by mail. 
I have already rightly been charged, and paid, {$380.00} for the car rental. I should not have to pay the remaining debt charge of {$260.00}, much less the combined amount ( plus interest ) that AWA Collections is seeking. 
I appreciate any assistance the Bureau of Consumer Finance can provide, and am glad to submit supporting documentation upon request.
Dear Blackhawk Network ( BHN ) : After finding out my gift card 's entire balance of {$500.00} was fraudulently / unauthorized used about 1 or 2 days after the activation, I successfully emailed & faxed a signed dispute form along with supporting documents on XX/XX/XXXX. As I did have a chance to verify the transaction activities with a BHN 's Rep. that the unauthorized charge occurred on XX/XX/XXXX at XXXX store # XXXX. After contacting XXXX office, I learned that store # XXXX is located in Michigan ( MI ). I  hereby attest that I did not visit any XXXX either in store or online on XX/XX/XXXX. As I wish to also file a police report, the dept. stated that I need an Affidavit of Fraud ; therefore, please provide an Affidavit so I could complete a police report. <P/>I 'd appreciate a prompt review & an issuance of another card with a full balance of {$500.00} that I had paid for but did n't get a chance to use. Thank you for your cooperation & prompt resolution to this issue. <P/>Sincerely, XXXX XXXX
TD Bank failed to provide timely and accurate information regarding the mortgage process. Further, TD Bank stopped responding to e-mails or requests for information once we expressed concern about the misinformation that was provided and their latency. XXXX examples include : ( 1 ) When we completed our mortgage application, the loan processor referred to the new law but assured us that TD Bank could complete the mortgage process in 45 days. Additionally, the TD Bank website states that " generally, your mortgage will be ready to close in 30-45 days. '' Although our closing date was scheduled for over 45 days from the start of the process ( and we provided all requested information in less than 24 hours of the request ), TD Bank did not complete the mortgage process by the closing date and did not inform us of their processes with regard to the new three-business day rule for us to have the Closing Disclosure forms. In fact, TD Bank did not inform us that we would not be able to close until 1 business day prior to closing. This poor communication resulted in financial loss to us because we had already transferred utilities ( costs not yet known ) and paid for city parking for the moving truck ( {$60.00} cost ). 
( 2 ) TD Bank failed to inform us of the option to receive mortgage disclosures electronically. We learned of the option when it was time for us to receive our Closing Disclosure ; however, TD Bank would not allow us this option because we had not opted for this option at the start of the process. TD Bank acknowledged that they did not inform us of this option at the start of the process, but said the law did not allow us to opt in late in the process. TD Bank refused other options that appear to be allowed by the law ( e.g., e-mail or fax ) and insisted we wait for regular U.S. postal mail. The failure to inform us of the electronic option or allow for other avenues resulted in financial loss because it further delayed the rescheduling of the closing date. 

TD Bank appears to need more guidance on how to implement and communicate about the new law to customers. Different associates provided us different information ; we remain uncertain which interpretation is correct or what it will mean for us. We will be submitting more information to TD Bank directly on our experience, but thought it prudent for future customers if we shared our experience regarding TD Bank 's handling of this new law.
XX/XX/XXXX I applied for a Lowes Credit card at the time of applying my credit score was XXXX no lower then XXXX and Lowes approved me for a credit card in the amount of {$500.00} dollars I have since then paid my bill on time and had a balance of {$120.00} dollars. On XX/XX/XXXX I received a letter from Lowes stating they were closing my account immediately for having a low score. I called and spoke to a representative who stated yes my account was closed and I will be reported to the credit bureau immediately and did not give any further information in regards to my concern. In XX/XX/XXXX I was released from bankruptcy and my credit had no existing marks or denials, at this time I had to improve my credit score. I have two other credit cards that I have been approved for and have not experienced this concern, I feel I am a victim of discrimination! when Lowes who approved me for the credit card in XX/XX/XXXX new what my score was and approved me for credit at the time and for 3 months I was not contacted nor sent any information concerning this issue. This issue has effected my credit score including the derogatory remark that has been added to my report. I am trying to refinance and I am looking forward to buying another home since I have been in my home for over 15 years. I am a XXXX XXXX man who is being held back when I should have the opportunity to move forward seeking a quality of life towards social growth. Please help!
I live in Louisiana during Hurricane Katrina the address that I received a govt grant for was XXXX XXXXXXXX XXXX  XXXX, LA XXXX. The govt requested that I provide proof of residency which I did. Several people in different cities claimed that they lived in my home and the govt said that i did not live there that's why i have to repay the grant money I received and this is not correct. I verified I live at that property, so this should be removed from my credit report.
Have asked and contacted Equifax Several times about the erroneous information on my credit Record. XXXX XXXX XXXX XXXX and XXXX XXXX, never did business with XXXX . There 's no Written nor copy of any information supplied to any of the above collections agencies.
I have been having health issues and while I, XXXX XXXX, was in the hospital XXXX bank charged-off my loan to a XXXX-party debt collector. SRA in Hi-XXXX, NJ on XXXX/XXXX/2015. On XXXX/XXXX/2015 my Co-Signer received a call regarding the loan and was offered a XXXX settlement. I then called back to get information about the loan and physical address of the agency when the Manager XXXX XXXX, kept talking in circles telling me I was only allowed to have the physical address if I was disputing the Debt. At this point I had not even received a validation of debt letter and asked for said letter as well as a breakdown of my balance, I was interrupted multiple times as well as I was told I MUST make a payment within the month of XXXX, which does n't even give me a full 30 days to receive the information to even dispute of part of the balance since I did n't know how a XXXX loan that I was previously paying before I got sick, became {$26000.00}. The agent I spoke to previously to manager could n't tell me what the interst rate was either, stating that it was " about {$3.00} '' per day. The agent, XXXX XXXX, was n't able to offer me a payment plan option either. When i spoke to the manager I was only offered the balance over 6 months ( about XXXX ) each month or a settlement of XXXX. Refusing to be upright and honest about what my options even were and leaving me more confused than when the conversation started. I also asked that they did not call the cell phones on the account but he refused to even tell me the cell contact numbers he had, instead i stated the only good contact number for me and the co-signer was the landline XXXX. I was under the impression i was going to be dealing with the creditor XXXX about this who i was trying to work with for payments and now i feel even more hopeless because this collection agency wo n't be upfront with me.
The agency does not have my balance and limit accurate on my credit cards through XXXX XXXX XXXX XXXX XXXX is $ XXXX and balance is below $ XXXX XXXX XXXX XXXX balance is {$9300.00} NOT $ XXXXThe inaccurate limit is causing my ratios to be high when they are really not. Disputed but still not updated. The agency MUST report inaccurate information correct? I feel no one even read my dispute or even my request.
I informed them that I am unable to pay back the amount at the moment and I can no longer receive personal calls at my place of employment and they continue to call me at work and are jeopardizing my employment. On XX/XX/2019 at XXXX XXXX  they called my place of employment and asked to speak to my immediate supervisor.