WillisBack/dataset-financial-user-claim huggingface dataset:
I applied on Studentloan.gov for an income-based payment plan on XX/XX/XXXX. I received an email from Nelnet on XX/XX/XXXX indicating they received my application for income-based repayment plan from Studentloan.gov. I am still waiting to hear from Nelnet. They already got access to the IRS for my XX/XX/XXXX tax return. Why are they dragging their feet? At present, the current monthly payment is {$2100.00} per month. I can not afford that. If Nelnet refuses the modification of my payment, I will be forced into default. During XX/XX/XXXX, my income was reduced because my full-time employment ended ( see attached ). I attached my last paystubs for XX/XX/XXXX as well.
American Education Services has sent a past due amount ( ~ {$2000.00} ) to collections. I have continued to make good faith faith payments ( $ XXXX/month ), since I am unable to afford the full payment due that was sent to the collection agency. I have made multiple attempts with the company to pay back the past due amount. The company representatives state that unless I pay the full amount due, they will continue to report delinquency to the credit agency. My most recent call to the company was today. Their representative communicated to me that I have no options but to pay the said past due amount in full and making good faith payments will continue to result in delinquency reported. She further stated that there is " nothing we can do '' and " it's not our fault that your car insurance rates have doubled '' ( as a result of adverse credit reporting ). I was then informed that my loans are now serviced for XXXX XXXX  and AES has no ability to work with me for that reason. When I asked for a phone number or email to XXXX XXXX, she stated she does not have any contact information and I should " XXXX it ''.
My Credit Report is showing XXXX hard inquiries that I do not recognize, I do n't believe I authorized these credit checks. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
My loan was sold to the Roundpoint Mortgage Servicing Corporation last year. I received the letter from the city stating that I did n't pay the taxes for the last year and and I am charged {$200.00} penalty fee. My account is set up as an impound account ( have escrow and money is deducted automatically each month ). The Roundpoint told me that they payed the taxes in XX/XX/XXXX they will research this and will get back to me by XX/XX/XXXX. Second issue is my mortgage increased in the amount of {$210.00}. 
The Roundpint told me that my home value went up. Looking at the public records the last time property value changed was in XX/XX/2011 when I purchased my home. I asked them to send me a detailed report so I can understand how did they get to the amount of {$210.00} increase and the proof of tax payment. They told me that this conversation is recorded and they can not send me anything in writing. I feel that this amount of {$210.00} is wrong and they are lying to me about taxes being paid. The customer service representative XXXX did not let me to talk to the supervisor.
CMRE FINANCIAL c ontinues to report  XXXX  accounts on my credit report. I paid these accounts &amp; they agreed to remove them as part of the agreement ... They are damaging my credit &amp; I need them removed per our agreement ... I 'm attaching the report for proof they 're reporting as of  XXXX   XXXX ,    2017 ...
My House Primary Residence : XXXX XXXX XXXX XXXX, XXXX, MD XXXX PennyMac misinformed me that I can not re-instate my home mortgage or make payment on my past due account, # XXXX, despite Maryland law that provides me with the right to reinstate my loan by making past due payments at least one day prior to the foreclosure sale. I spoke with XXXX XXXX on XXXX XXXX, 2016. I asked for re- instatement of my loan, I was told that this was not an option because my account was in " foreclosure '' proceeding. Despite my willing and ability to bring my loan current, as a permanent loss mitigation option, and all my attempts to gain information to bring my account current, PennyMac has refused to assist, instead, I 've given the round around. Notices of foreclosure have not been given to me, instead I 've received letters to 'tenants '' from PennyMac. I learned on Friday, that PennyMac, has been sending personal and confidential correspondence to an incorrect address. I have told PennyMac that the address of the property is my primary residence. I have not received notices regarding foreclosure, and have been denied a legal right to reinstate my loan. Please help, all I 'm trying to do is bring my loan current!
I have a scheduled foreclosure sale date on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I was informed by XXXX to submit a letter to request a postponement of my foreclosure. This letter was faxed by a non-profit housing counseling agency, XXXX, on XXXX/XXXX/XXXX. Later I spoke with Ditech to check on the status of my postponement and was informed that this letter was not reviewed and no assistance was granted because there was no packet to review. This is contradictory to what I was informed and has prohibited me from pursuing much needed mortgage assistance. I spoke with Ditech on XXXX/XXXX/XXXX and requested a reinstatement amount as of XXXX/XXXX/XXXX I still do not have this figure. It seems as if Im being given the run around and I am only trying to find a resolution towards saving my home. I believe that proper communication and accurate information is not being shared, unfortunately to my detriment.
Discover bank offered a promotion of {$300.00} to ALL customers who set up a new discover checking account, if they had a previous relationship with Discover, and had XXXX direct deposits come in of at least {$250.00} within 60 days of opening up the account. ( they later changed the terms, however stated since I opened my account before the change, I was grandfathered into the promotion ) Their terms stated that the bonus would be " automatically '' applied 30 days after fulfilling their requirements. However, it has now been more than 30 days since I had the XXXX direct deposits go into the account, and no bonus has been applied to my account. Discover Bank has violated the terms of their agreement, and has not paid out the {$300.00} that was guaranteed by the bank. I would like my {$300.00} bonus to be paid out immediately.
I had the Walmart in store credit card for over a year with 100 % on time payments. I never maxed the card out.. My credit score went down a few points so Synchrony lowered my credit limit. At the time I had about {$400.00} owed on the card, and the following month I paid my balance in full. The same exact day my payment was processed, Walmart closed my account. Their reason was I was high risk, not much has changed since I opened the card, so why all of a sudden am I " High Risk ''???? Why issue the card in the first place then?!?!
World Finance Corporation This Debt Was Settled For Less Than Original Amount And This Company Promised To Report And Remove From All Credit Companies
In XXXX I had an over due electric bill of {$430.00}. I was incarcerated until XXXX. The billed was turned over to a collection agency. I was paroled XXXX/XXXX/XXXX. I went to have my electric turned back on and was informed I owed them {$430.00} for the past due bill. I paid the {$430.00} directly to the electric company so they would turn my electric back on. I checked my credit report in XXXX and found that the collection for the past due bill was on my credit report from a collection agency. I submitted a dispute via XXXX with experian. I got a letter from the collection agency about my dispute, they said it was a valid debt that I had to pay. What do I do now?
Overnight on XXXX/XXXX/16, my Santander checking account received multiple " hits '' from an unknown source in XXXX XXXX, XXXX. Most were duplicate, repetitive charges which now total more than {$3000.00} on my account. As of this morning, my account is overdrawn - {$1400.00} and growing. I contacted the bank at XXXX this morning to advise them of the fraudulent charges, and my ATM was cancelled. I was then told that the money would stay OUT of my available funds, leaving me overdrawn and without money, until such a time as the vendor requested payment and they " post '' to my account. I 'm supposed to check my account daily, contact them when these charges " post '', and open a claim to have each charge reversed which can take 7-10 days for a provisional credit. For now, my money remains in some limbo account belonging only to Santander. The vendor does n't have it but has up to 30 days to request payment. I ca n't have it, even though the bank LP advised me that the charges are clearly fraudulent. Even when I see it post, I have to wait to have it reversed and made available. My money - clearly part of international hacking/theft - is being held by Santander and not being made available to me even though this was clearly a theft. I have asked that all charges, pending to XXXX XXXX, be noted as " void '' and all my funds be made available to me, but have been advised that it is not their bank policy. I desperately need intervention to move the needle on this chess match. If the vendor holds these pending charges and does n't post them for days or weeks, I may be without appropriate resolution for weeks. Please provide assistance immediately.
That by law since the account was purchased from the original creditor, the XXXX paid your debt. Thus making the original terms, conditions and legal obligation to pay the alleged debt void. Since the alleged debt was paid off to the original creditor that under certain sections of FDCPA, paying the debt without an agreement with XXXX to pay the debt, voids any claim. Under the FCRA and FDCPA, provides that adequate validation be provided. They did not provide adequate validation that the account is in deed yours and that you owe this debt.
the answers should be clear in the attached memos from Experian deleted the account in collections from my report a year or two ago. Its back. Its very upsetting and frustrating since it has negatively impacted my credit score again! I want it removed and fixed please!!
I filed a case with CFPB on XX/XX/XXXX, case CFPB case number XXXX. 
This case is showing resolved in your website but I never received anything from CFPB stating how it was resolved and would like a copy. Wells Fargo sent me a letter dated XX/XX/XXXX and  XXXX showing a debt discharged of XXXX in XXXX XXXX. This is incorrect, I made a payment of XXXX to Wells Fargo phone payment on XX/XX/XXXX. I would like to know if Wells Fargo wrote the XXXX balance off so they could receive full TARP money on this loan that was originated with XXXX. Next question has and is Wells Fargo been doing this with all Tarp loans that they received. I can send you a copy of the XXXX
There is information on my report that is not mine. I live in XXXX, and have all my life. There are adverse accounts that originate in XXXX.
I attempted to purchase sports tickets through XXXX  on XXXX2018 in the amount of {$110.00} and never received the tickets. I sent the money through XXXX   ( which I thought was backed by Wells Fargo ) and when I contacted the seller by phone it was shut off and I never received the tickets. I immediately contacted Wells Fargo and they stated there was nothing they could do, because they do not own XXXX.
Experian Credit Monitoring ( formerly XXXX XXXX XXXX.XXXX ) I have been trying to cancel my account for over a year. I can not get through to them and they keep charging my credit card XXXX per month. They are supposed to be a credit monitoring company that helps people. No the XXXX XXXX
In XX/XX/2014 I cancelled services with XXXX XXXX and received Confirmation numbers. After services were cancelled XXXX XXXX sent me a collections notice. I contacted them, attempting to reference the confirmation numbers they had given me. The collections officer said the confirmation numbers were useless and that I owed money. Long story short I paid. Now, 3 years later, they have turned me over to collections for a modem I returned. I called the collection agency who referred me back to XXXX XXXX. XXXX XXXX confirmed that the modem was returned and assured me steps were being taken to resolve the collection agency notice. 
I want this company held accountable for their oversights. What good are confirmation numbers if they say they do n't matter? These amounts they hit you for are small enough that it appears they are fraudulently trying to make you tap out to not hurt your credit.
EXPERIAN is reporting the following accounts with incomplete and inaccurate information. 

XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX Reporting the accounts with no DATE of LAST Activity -- -- -- -incomplete Reporting the accounts with worst delinquency as CHARGE off -- -- -inaccurate REPORTINg 90 days late XX/XX/XXXX7 -- -- -- -- -- -inaccuarte REPORTING PAYMENT HISTORY AS XX/XX/XXXX FAILED TO PAY -- -inaccuarte
My loan payments were always sent on time. I keep explaining this to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX
Was advised on XX/XX/19 that a higher up in executive management over the managers of escalation analysts would give me a call on XX/XX/19, in which I did not receive a call on XX/XX/19. I was called on XX/XX/19, missed the call and was not left a voice mail. On XX/XX/19, an escalations analyst called me when this was not the request.
Discover is a card company who process application for applicant who are in need of credit. Discover is falsely advertising that they have millions of dollars to offer consumer ( s ) who qualify for instant credit. My complaint is against Discover card and the card company ' affiliates.
Since Nationstar became a XXXX sub-servicer of my mortgage loan 3 months ago, the company has failed to post my monthly mortgage installment payments against my account in a timely fashion. Each month, I receive a call from Nationstar inquiring as to where my payment is when, in fact, the company had received my payment well in advance of the due date. I received another such call yesterday ( XXXX/XXXX/2016 ) inquiring about my XXXX XXXX payment. My mortgage installment payment ( due XXXX XXXX ) was electronically sent to Nationstar on XXXX/XXXX/2016. I also received a letter in the mail stating that I would be assessed a late fee if Nationstar did n't receive my XXXX XXXX payment by the end of my grace period. Nationstar has my XXXX XXXX payment! How can this happen month after month? I have reason to believe that the company is failing to post payments in order to access late fees on its customers. This practice is reprehensible!
I have an inquiries with XXXX XXXX on my report that I never applied for. I already fill up an Identity Thief documents and send to all XXXX credits bureau. I need this inquriries to be removed from Equifax.
In the year 2013 my identity was stolen, unbeknownst to me, someone use my government issued social security number to obtain goods and services using my personal information. this theft took place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to each creditor and the credit reporting agencies via certified mail as advised by my council with no response A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THIS COMPANY REFUSES TO RESPOND AND REFRAME FROM REPORTING THIS INVALID ACCOUNT TO THE 3 CREDIT BUREAUS UNDER MY NAME. ALSO THE CREDIT REPORTING AGENCIES CONTINUE TO REPORT AFTER BEING SUPPLIED WITH THE INFO AS WELL
I worked with my mortgage existing lender Suntrust Mortgage to refinance my house. I spoke to XXXX XXXX to make a long story short. XXXX told me I did n't qualify for the new loan modification but that he can do regular conventional loan and give me good rate and payment would be at {$2100.00} with tax and insurance. I verified with him to make sure that it was correct amount since I was paying before $ 1800+ dollars a month. He said yes and I signed up to refinance. Now he had all my information taxes insurance because they were my same lender. A year later comes, and I get a bank statement under new account XXXX telling me I have a escrow shortage of {$4600.00} and I had to pay by XXXX2018 or my payment would be {$2800.00}. If I did pay it I would still be paying {$240000.00} every month. They were deceptive and to me they committed fraud to get me to signup on a new loan. If they told me upfront the payment would be this much, I would of never refinanced. I do n't have that kind of money saved to pay back outrageous shortage fee and higher payment a month. I trusted this bank to do the right thing. I called them and spoke to XXXX of client solutions at XXXX XXXX XXXX and she sent it to higher management to investigate what went wrong.

This is not a {$100.00} mistake. This is a $ 400.00+ a month mistake and a {$4600.00} bill. What she found out so far was she said that suntrust did n't make a mistake it was a 3rd party they hired. I didnt ' hire the 3rd party. I hired my same back to give me honest deal. I feel I was lied to and fraudulently given a wrong rate to get me to signup with them on refinancing. This shows them doing another loan and now I 'm struck with an outrageous loan. they have to do something. They lied to there consumer.
This is my second complaint against my loan service, being made one week after I filed the last. 

I have been harassed with phone calls for over a month, being prompted with inaccurate billing information. Today, the representative who contacted me uncovered even more issues with how this has been handled. 

On XX/XX/XXXX I made what I believe was my final payment, only to be later called asking for {$110.00} dollars, and upon investigation the account shows only a {$4.00} balance. However that is from a late fee processed before requesting a final payoff amount. Every call since has requested the {$110.00} still despite being inaccurate. 

Today the service representative shocked by my situation, found that the late fee they have stated I owe was itself improperly processed and in fact I have overpaid my account and should have been issued a refund of {$0.00}. 

So I have received many calls, prompting me to pay {$110.00} when my balance was only {$4.00}, which I was told would be addressed. Only to find out from the 13th person I have spoken to about this, that not only was the {$4.00} mistaken, that it was improperly processed on my account and that I have in fact overpaid. Worst of all, none of the other reviews I have requested where ever actually targeted towards disputing that fee. 

This has been grossly mishandled, to the point that the rep I spoke with today agreed this all has been " highly inappropriate '', and has only now after a dozen calls actually assisted me in filing to have it properly disputed. Apparently every other representatives assuring remarks ( save for one supervisors condescension ) have been hollow as none of them actually investigated my account to uncover the extent that it was mismanaged.
I applied for a mortgage loan with Amerisave. While the loan was in underwriting process, I switched to a different lender. The loan was an FHA. I had paid for the appraisal. XXXX which is the currently lender I am working with requested the FHA case number and appraisal to be transferred to them. Amerisave transferred the case number and refuse to lease the appraisal. By law, Amerisave have to release the FHA appraisal report since I had paid for it. They lied to XXXX big time. Amerisave said the appraisal was not complete ; which was untrue. they also said the appraisal was not an FHA ; which was also untrue. I am requesting Amerisave to refund the full appraisal fee of {$420.00} that I paid.
Navy Federal Credit Union sent settlement letter dated XX/XX/XXXX. Offered settlement amount for debt owed. Full defaulted credit card debt {$12000.00}. They offered upon receipt of letter to settle account in full for {$3600.00}. I had full intention of doing so. They took the full {$12000.00} out on XX/XX/XXXX They did not honor their settlement agreement. I had withdrawn my 401k for a full amount of {$24000.00} and the day following without notifying me. I am in default on my home. I am a service connected XXXX  veteran deemed homebound by the VA.

I called today, and they said the funds will not be returned to my account. I was also told after speaking to the same person on the phone. that I would be able to get a credit card again trhough the company to help fix my current situation.

I called to sign up for a credit card immediately following and was denied.
American express ( along with other credit card companies ) have a policy of updating merchants who post recurring transactions with new consumer credit card numbers as they change ... so that the merchant and consumers do not experience the inconvenience of having to update accounts each time a credit card changes. I get this ... but there is a major downside that I am surprised no one has challenged yet. 

The below may be generalized statements ... but they help paint a picture : The issuers generally do not allow the consumer to opt-in to this program The issuers do not allow the consumer to know who has been provided access to the new credit card number ( no notification ) The issuers make it difficult for consumers to manage who can hit their credit card with recurring transactions. ( you have to call and tell the issuers who to block - assuming you know which merchant has the new information ) There is a huge potential for fraud with this process, and it seems in this day and age, the idea that someone can provide my personal updated credit card information to vendors I want to stop doing business with seems outrageous. At a minimum, i should be allowed to opt in or out.
At  XXXX  in the morning, Saturday,  XXXX   XXXX , I received a call that went straight to voicemail. I checked my voicemail and I get an automated message telling me that it 's regarding my Synchrony credit card account ( for  XXXX .  XXXX   ). I  did miss a payment but one payment does not mean that they should send me emails, which they did on Friday,  XXXX   XXXX , then call m e ( twice thus far ) to let me know that I need to make a payment. Synchrony bank is notorious for bombarding their customers with phone calls the moment they do n't receive a payment the day that it is due. If they will employee such tactics, then I have the right to report them just the same. Most credit companies give you a grace period if missed one payment after not missing any. I have not missed a payment with this company so they should n't jump the gun by pestering me with phone calls just because I forgot to set up a payment with them. It 's not necessary. It will get paid. They do n't need to bother me about it. On top of that, they raised the minimum due. This is how people get into debt. Again this company is notorious for making their customers pay the price for missing only one payment. They need to be investigat e.
I applied for a loan modification through my mortgage company, to avoid foreclosure. The Mortgage company denied my request. The reason is because they can not verify that I live in my home. I have sent proof that I live in my home as well as my pay stubs showing that I have the required amount of {$300.00} left over, after expenses are subtracted, including my mortgage payment. I have submitted a written Appeal, on XX/XX/2016, along with proof of occupancy and pay stubs.