WillisBack/dataset-financial-user-claim huggingface dataset:
I have an American Express card connected to XXXX. I had a platinum card for a year, with a {$150.00} annual fee. When I got the bill with the coming year 's fee, I called and asked to have the card changed to a XXXX card with a {$95.00} fee. That was done and I was told that I would be charged {$95.00} for the year and the {$150.00} would be credited back to my account. I paid the {$95.00}. When I got the next bill, the annual fee charges were prorated so I was charged XXXX month at the higher fee. I called to have that corrected and customer service person was extremely unhelpful and patronizing. I asked to speak to a supervisor and after considerable resistance I got someone else who was also patronizing. He kept repeating, " XXXX XXXX, you must understand .... " I understood extremely well, but he refused to acknowledge the issue or what I had been told in my previous call. I asked to speak to his supervisor and, again, after resistance I was told someone would call me within 48 hours. I have not received that call. I was going to call back but have no hope that I will be able to reach someone helpful. The amount of money is under {$5.00} but I find the lack of accountability and the difficulty in getting acceptable customer service or any remedy extremely troubling.
This mortgage was modified some time back. It was transferred in XXXX of XXXX to Nationstar Mortgage for loan servicing. There were some '' lender paid expenses '' apparently sent with the loan servicing from the Modification. Every month since XXXX of XXXX, Nationstar, the new loan servicer, keeps taking part of my normal payment and apply towards these " fees '' instead of to my mortgage payment. 
( I was told that these fees can not be collected up front, if XXXX did not actually roll them into the modification balance that I signed for, they could be collected when we either sold the property or refinanced it ) Every month They keep taking monies from my monthly payment, then reversing it, then adding it again.. 
Now they have sent me back a check, copy imaged in for {$940.00} because they took XXXX applied towards Lender Paid Expenses, again Now I am behind again and they told me today, that I owed another XXXX with the XXXX check I have returned from them to Complete my XXXX XXXX XXXX payment/
I received a notification from XXXX stating that my credit score dropped from XXXX to XXXX. When I further investigated the matter, I found out on my own that Nissan stopped withdrawing my auto pay unbeknownst to me. Apparently, I am two months behind without any notice from Nissan. I believe that they are in direct violation of the FCRA.
To whom it may concern : In XXXX of this year I initiated a loan request to purchase a home. I have jumped through hoops to satisfy the bank we are dealing with. We had a credit card that had not been paid for {$1100.00} that they required we pay off. We paid that last Friday thinking that was the last hoop to jump through. Then they required that we deposit XXXX house payments with the bank to get approval. In addition we already made a down payment of {$4800.00} and {$100.00} in earnest money. Also paid for the appraisal. 

The house was originally priced at {$130000.00} by the realty company but has been reduced to {$130000.00} to meet the lower appraisal. We are requesting a 30 year loan which when the down payment is applied the loan will be less that {$130000.00}. Short of requiring our youngest child to be used for collateral we have done all we can to meet this requirement. 

We may not be the perfect or usual?? American family. We have XXXX children and we are both in college. XXXX has completed his first 2 years of college in XXXX and recently graduated. He is attending college part time working towards a XXXX and had has a permanent full time position as a XXXX. 

I am also enrolled in college pursuing a degree in XXXX XXXX XXXX. 

Our landlady is putting up our house for sale. At the time we leased from her it was difficult to find adequate housing because of the number of children. We rent a XXXX bedroom XXXX XXXX bath house with a large fenced yard for {$900.00} a month. The house is well kept in a nice neighborhood. In addition, the house has a large yard fenced in back yard with a garage and oversized patio. Perfect for our family. 

Schools are nearby as well as shopping and access to highway and major streets for easy commuting to and from work, shopping, library, hospital and other services in the community. The perfect house for a low income family and an opportunity to raise our kids in a no crime area. 

We have had challenges and have responded honestly and transparently and yet we are unable to get approval for this loan. We have had a closing date since the XXXX of XXXX and every few days are we are given a potential new date. This last request added on at this time to deposit 3 months of house payments which we did seems a ploy to sabotage us and discriminate against us and prevent us from getting a loan at all costs. At closing they are still requiring taxes and insurance in addition to whatever other fees they discriminately impose whether usual and customary or not. 

We are forced to form an alliance with our families to provide monies to now comply with any other financial requests. I respectfully request your assistance and let me add that time to ask start this process all over again with a new application with a new bank is not an option for us as we have put the landlord/owner off time after time. As they continue to ask for more and more information and documents we have to continue to pay rent. Thank you for taking the time to look into this. 

Thanking you in advance, XXXX XXXX
In XX/XX/XXXX I received a letter of collection from XXXX XXXX XXXX. They claimed that I owed a little over {$110.00} to XXXX that was outstanding. This debt was attempted to being collected by Convergent. At this time, I checked my XXXX   account and did not see any recent transactions matching the amount owed. Then, I wrote a letter to Convergent disputing the debt.

Convergent replied back on XX/XX/XXXXwith a packet that stated the debt was valid. There were many details that were suspicious.

First, in the packet from Convergent, there was given a " XXXX XXXX Account Number '' which I did not recognize. In fact, XXXX says on their website that they do not give account numbers, rather accounts are identified by associated email addresses.

Second, there was given an " Account Creation Date '' that is very recent. I opened my XXXX   account much earlier than that and I have statements recording purchases in XX/XX/XXXX.

Third, some of the listed information was unclear - monetary numbers that did not add up to or relate to the {$110.00} or actual amounts in my XXXX statements.

Due to the fact that I can not access the account and do not have statements that reflect the amount owed, I can come to only two conclusions. One, someone opened an account in my name with a bad credit card or bank account number. Or Two, XXXX XXXX XXXX. is a fraudulent organization.
I paid XXXX XXXX and XXXX XXXX to XXXX balance, and all credit reporting agencies are not reporting that I paid these accounts to XXXX
My complaint is against Carrington Mortgage Servicers LLC. On XX/XX/XXXX they denied an offer for a short sale that was submitted. I received a letter dated XX/XX/XXXX stating that the short sale was declined. There were two other offers previously submitted the bank did not process any of the offers in a timely manner and was not responsive to the offers submitted. I believe this to have been an intentional willful act to further subject me to intentional emotional distress. The foreclosure proceedings began on or about XX/XX/XXXX and started shortly after the sale of the home. I've produced personal documents including bank statements and pay stubs several times and the bank was not responsive in processing the short sale offers. I believe they intentionally delayed processing of the offers. The last communication states that the loan is now governed under the Hud SLFS. Had they processed the offers timely the property would have been sold. Now they continue to send me collection notices the last one dated XX/XX/XXXX stating that I owe in excess of $ XX/XX/XXXX. They sold the home to me for $ XXXX the home is valued on or about $ 160k. I would like them to be investigated in relation to their negligent acts.
I pulled my credit report and found inquires that i did not authorize on my credit report iv contacted these companies listed below by phone, email and mail and know has reached out to me or further more no one has even sent an updated report advising me they would be removing these unauthorized inquiries.   Paramount Residential Mortgage Group   XXXX   XXXX    XX/XX/2017      XXXX     XXXX   XXXX   XXXX     XXXX   XXXX
Equifax has reinserted an account on my credit report without a 5-day notice which is against the FCRA. The credit bureaus must notify you within 5 days of the re-insert date. Equifax has continuously done this on my credit report and its greatly affecting me and my credit. I 've attached the re-reported account to this complaint. On XX/XX/2017, I discovered XXXX XXXX XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
In XX/XX/2016, after reviewing my credit i decided to face that GIANT and do something. I began writing out letters to all outstanding debtors and asking to pay back at reasonable increments. Once one stone is gone I'll increase and knock down another. I was excited. Few months go by and I'm now receiving letters of garnishment, one agency was already garnishing me without notification. I fell ten flights backwards. My rent fell behind, i wasn't eating properly cereal or hot dogs, now getting sick medical bills, copays can't pay. I almost regretted my move BUT i knew there was a way better than the way these lenders and collection agencies were going about business. I have read that federal loan lenders can work with you. Private lenders are much harder once defaulted. I tried any way and federal and the privates spoke to me with such insensitivity. One agent actually told me to " STOP paying rent and eating for a year and my loan would be paid. '' I just want to pay back at a $ $ amount I can afford. No longer avoiding just resolving. 
I literally had to tell myself to breathe.
The check my bank sent for the regular XXXX payment using XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX was not cashed, and the mortgage payment showed on the RCS website as past due. 
I noticed and called them around XXXX/XXXX/XXXX. I was told that they had problems with the mail this month, not to worry, many customers were in my situation, and the late fee will be waived for all their customers. 
I called again around XXXX/XXXX/XXXX, and was assured again that all is well. 
on XXXX/XXXX/XXXX the payment was still not posted yet. I called RCS again because I was worried that a 30 day delay in mortgage payment will be posted to the credit agencies. That would be a credit disaster. 
I received no promise that such a report will not be filed. I therefore offered to pay again for XXXX over the phone, about two weeks earlier than my regular payment in XXXX, to make sure that the XXXX payment is credited before 30 days are over. 
The agent told me that while the penalty will be waived, a " transaction fee '' varying between {$5.00} and {$12.00}, charged by XXXX XXXX, will be charged to me. He said that he has no way to waive this charge. 
My suggestion that this is an RCS problem and therefore they should pay the charge got us nowhere. 
I ended up paying again for XXXX through their website, paying a {$5.00} transaction fee. I still have to see tomorrow whether the payment without the penalty will be credited to my account. 
RCS is not taking responsibility for their problems. I see no reason for me to try and work around their issues. It cost me {$5.00} this time, but I had issues with them in XXXX and in XXXX where my payments were " lost '' in their system for a few days at a time. This is the only servicer I had issues like this with. 
They need adult supervision before they cause a lot of damage and a lot of work for other people.
I took a loan from cash call in XXXX 2014. When I was contacted I voiced my concern that the lowest amount they funded was {$2500.00}. I only wanted a loan for {$400.00}. I let the gentleman know that I was uninterested. He informed me that I could take the loan and there would be no penalty for prepaying the loan and that he had customers do this all the time. I agreed to the loan but was never clearly aware of the outlandish rate of 139 % interest. The way the person on the phone explained it was once I prepaid the loan {$2000.00}, all my payments would go to the principal. I was financially in need so I agreed and sent the email back agreeing. 

I tried to pay back the loan but was told I could only pay on my due date of payment. I call on the XXXX and they say I need to pay on the XXXX. I call back on the first and was told I could not use a credit card but I could use it online. I tried to pay online and would be charge a wiring fee and could only pay {$800.00} per wire so it would have taken me XXXX wires at {$20.00} a piece. I feel that the information I was told when I initially obtained the loan was false. I was never told about how difficult they make the prepay process and all the rules. Cash Call has made it impossible for me to pay back my loan so they can continue to charge me 139 % interest. I feel they were negligent and are committing fraud. I also feel that these high interest loans should not be allowed in the US. If I complete my loan, will have paid {$10000.00} for a {$2500.00} loan. I want this company investigated.
experian should remove the following accts ... XXXX  XXXX ... XXXX XXXX XXXX ... .XXXX XXXX XXXX ... .XXXX XXXX
I recently signed up for a Chase Sapphire Preferred credit card. The promotional offer on Chase 's own website said you receive XXXX   bonus miles by spending {$4000.00} within the first three months and that the annual fee of {$95.00} would be waived in the first year. However, about a month after I opened my account, I was charged the annual fee of {$95.00}. When I called, they said it was because only one offer was applied and not all offers are available at the same time. I find their advertising false and misleading, because it does not state that only one of the offers will be applied. They refused to waive the {$95.00} fee, even though that is what was advertised to me when I applied for the card ( and what is still advertised now ). The website needs to reflect the actual promotional offer.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and. I have always made my payments on time. For some reason I realized that there was a lat with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.
I disputed an account with the credit reporting agencies about an account I see on my credit report. they claimed the account was verified and when asked how it was verified the credit bureau said " we take their word for it '' complete disbelief when I heard this. so I contacted the collection agency ( XXXX XXXX XXXX  ) my self and asked for physical proof the account was mine. a contract with my signature on it, photo id used to show proof that I was me opening the account and any other identifying information used to show it was actually me. the lady claimed they don't need that nowadays to open an account. so I asked did she not find nothing wrong with that? she said that's how they do it nowadays. that's also how identity theft occurs. nobody wants to get or see physical proof of the person who is wanting to obtain goods, they just let anybody use anybody 's information.
XXXX canceled my contract because I was on roaming, so I should n't be responsible to pay them, they canceled me I did n't cancel.them.
Continuous phone calls from company referred to as HFS trying to contact someone who does not live at this address/phone number. Each time recording directs me to hang up if I am not the person identified by the phone call. I have done that numerous times to no avail. I would like these harassing calls discontinued.
First, let me says I have been inundated with fraudulent accounts, credit inquiries and companies opening account that I did authorized. 
On XX/XX/XXXX,2018, there was a voicemail introducing herself as XXXX XXXX ( OFG-Oracle Financial Group ) proceeded by my name and date of birth. She says this pertaining to 2 civil issue which was Internet Fraud and Breach of Contract. If I do not call, they make the decision to file with the courts. I don't know what she is talking about and do not plan to pay for anything that's not mine. She left phone # XXXX or XXXX XXXX to contact her or her supervisor XXXX XXXX @ XXXX. I called this lady and she placed me on hold for 10 mins so I hung up. 
This company is calling people to scare them into paying a debt they've purchased unvalidated debts.
I was contacted by a third party consolidation company who I thought was with the government but I was mistaken. I provided personal information in hopes to consolidate all my loans to one payment/interest rate. After I was given a quote he said it would be a couple days to process and after doing some research discovered I could consolidate my loans through the department of education myself for FREE and this company was charging me XXXX dollars. After calling him back to confront him he responded with a yes you can do that in a smart aleck response. I gave him my FSA ID, SS number, bank statements, and contact information and after talking to the Department of education was a huge mistake. Company is called Student Loan Care or XXXX.
I have disputed the federal tax lien on my credit report with all XXXX agencies. Experian has removed the file from record but XXXX and XXXX refuse to remove the lien even after i have given then written proof of its dismissal. I have enclosed a copy of the Certificate of Release that is on file with the XXXX County Recorder. I would appreciate any help in removing this from my credit file for good.
I thought I was speaking with a Navient Department of Ed agent over the phone, but I was n't. It was XXXX XXXX ( although very kind woman ) representing Navient XXXX XXXX XXXX, XXXX who told me to pay in advance the amount of XXXX dollars in order for me to qualify for a lower interest of my loan. She gave me the option to pay XXXX for three consecutive months, which I agreed. Supposedly after either paying the XXXX or the XXXX dollars my montlhy payments would be as low as XXXX dollars. This application was described as XXXX. I scheduled a payment of XXXX and provided her my debit card number. Few days later a received a call from the origianl Navient. The agent wanted to remind me to make a payment to avoid being called, etc. I told him I was confused and told him I previously scheduled a payment already. He said he could n't see that on my account. It was until that moment I knew something was wrong. According to the original Navient agent I can not be charged for something that Navient offers me for free. I was suggested to avoid any calls or emails from tbe other company and fortunately I had enough time to cancel my debit card and replace it at my bank. This Navient XXXX XXXX XXXX, XXXX are scam, they charge people to qualify for repayment programs/options.
Dear Sir or Madam : There was delay in repaying my account with XXXX XXXX, now Navient, and other accounts during the year XX/XX/XXXX - XX/XX/XXXX, because my household income went from XXXX incomes to XXXX. 

However, when I was able, I made arrangement with XXXX XXXX and made a payment of {$2600.00} starting XX/XX/XXXX and a monthly payment of {$120.00} until today. 

According to my records, I am current on my payments as of my last statement for loan # XXXX on XX/XX/XXXX. My current payment is {$120.00} per month and my balance is {$17000.00}. 

According to my credit history no changes had been made to my credit report and the account # XXXX is in a Charge-off status when it should show 'in payment '' as agreed. 

In addition please rescore my bureau score to align with the corrected credit report file. Please send edited version credit report to my address XXXX XXXX XXXX, XXXX XXXX XXXX
citi mortgage contact me on XXXX/XXXX/2016 regarding a mortgage payment due XXXX/XXXX/2016 I made an arrangement to pay on XXXX/XXXX/2016 citi mortgage contacted me again on XXXX/XXXX/2016 again regarding the exact same payment I just made a arrangement for the day before. 
citi mortgage contacted me on XXXX/XXXX/2016 XXXX XXXX regarding payment due on XXXX/XXXX/2016. I made an arrangement for payment XXXX/XXXX/2016. citi mortgage contacted me again on XXXX/XXXX/2016 XXXX XXXX regarding the exact same payment. I spoke with manager XXXX id # XXXX and manager XXXX ID XXXX. I was advised my only option to stop being contacted twice within 24 hours regarding the same payment was to send a cease and desist.
Applied for a XXXX credit card, have excellent credit, not a great card in terms of interest rate, however I like flying XXXX and the bonus miles offer is intriguing. Submitted my offer and they demanded a copy of my social security card, a utility bill and my drivers license. I have never had to go through this for a mortgage loan, I said no way. The card is managed through Barclays Bank
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax, and XXXX  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX , XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} XXXX XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.
After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters but they refused to investigate and remove the inquiries. They said that the burden of proof was on me and  I needed to contact the creditors. I even contacted the Presidents of the companies via email ( all who had a Representative call me very quickly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said  that they were mine but without any form of verification.