WillisBack/dataset-financial-user-claim huggingface dataset:
The company providing the loan, Argon Credit, has discontinued all web access to their accounts. This is the second time they have done this. They declared bankruptcy last year. This loan was entirely electronically based, and no option for paper statements, so I have XXXX background or information for my loan now. 

Also, they initiated an electronic check payment on Friday, XX/XX/2017 without my authorization. I have also never provided my checking account or routing number to them, beyond what is printed on the paper check payments I mail in on a monthly basis. I am not behind on payments, so there was no reason for them to do this. 

I 've reached out to them several times in the past via every email address and phone number I can track down. It took me filing a complaint with the Better Business Bureau to finally get a response from them WEEKS later. 

How does the fact that they 've gone bankrupt and actively withhold loan information affect me? What recourse can I take?
Portfolio Recovery has re aged this XXXX XXXX account. The account was opened in XX/XX/XXXX-XX/XX/XXXX yet they are reporting that it was opened XX/XX/XXXX. In addition they have not sent any information regarding this account and nor have they given me the opportunity to dispute.
According to my Experian credit report number XXXX dated XXXX XXXX, XXXX, the XXXX XXXX account number XXXX ... ( XXXX ) indicates in the 'Status Details ' section that " This account is scheduled to continue on record until XXXX XXXX. " According to my Experian credit report number XXXX dated XXXX XXXX, XXXX, the XXXX XXXX ... indicates in the 'Status Details ' section that " This account is scheduled to continue on record until XXXX XXXX. This item remains unchanged from our processing of your dispute in XXXX XXXX. " I have disputed this credit item with Experian several times to no avail.
The XXXX XXXX XXXX information listed incorrect. States that high limit is {$3800.00}, which state I went over the limit by XXXX dollars. This is an issue because credit score dropped XXXX points.The bank has sent a request to have this information corrected to the credit agencies, but the credit report still shows I went over the limit. Here is the " Control Number '' from the bank to have to information corrected # XXXX ( XXXX XXXX XXXX account # XXXX ). Please have this info updated ASAP as this will affect my ability to obtain an loan. 
Thank you!
Continued attempt to collect debt not owed. I do n't owe any medical bills and had   XXXX   on the date this collection opened. I have disputed this information prior and this error continues to be reported inaccurately on my credit reports.
I called about my VA loan to Citimorgage trying to get ahold of XXXX XXXX who was assigned to my loan. When I asked to be connected to his extention XXXX. The personnel answering phones asked my SSN and Loan number. I said I was trying to get this extention and did n't see a reason for her ( XXXX ) to have this info. She said FCC requires her to get info. She could n't help unless I gave her info. I did then she asked me my intention on my morgage. I said she did n't need to know that either. So I asked to talk to supervisor -- he said the same. I asked to schedule a phone call back from XXXX. It took 45 Min. I kept being asked to give my SSN number and loan. number and other personal info. The reason I am told is it is to protect my account from Fishing -- -how is that? I give me personal info to several people who have no reason for it and it is to protect me? When I complained -- I was told it was required by FCC rules. That is stupid. Everytime I call Citi and I complain -- they hang up, put me on hold, ignore my requests. It took me 45 Min to get a call back scheduled. When I finally talked to XXXX XXXX and complained -- he hung up on me. I sent him 3 emails requesting paperwork on how to send deed back to morgage co. Since they are not cooperating with my Short Sale request. XXXX has ignored my requestes for the paperwork. The VA said I can do a short sale for VA loan or give deed back in lieu of forclosure. But Citibank wont give me paperwork.
A duplicate report appears for the loans.  XXXX  set of the loans says they are with   XXXX   XXXX   XXXX  /  XXXX   and were opened   XXXX   2011. The   XXXX    set of loans is showing FedLoan Servicing and opened  XXXX  2011. This happened after I completed a Loan Rehabilitation program. They are the same loans, there are not  XXXX  loans, just  XXXX . I tried to dispute the information with credit reporting agencies, FedLoan,   XXXX   XXXX   XXXX   and received no help. The disputes are always declined and the false information stays, which is causing damage to my report by showing extra sets of loans with late payments. I have even tried to have a credit repair person help and they have been unable to have the loan servicing companies correct it. The FedLoan Servicing report is even marked as " Account transferred to another lender '' so it should n't still be there while the other lender is reporting the loans, also.
Chronologically, XX/XX/XXXX I purchased a home at XXXX XXXX XXXX, XXXX, PA XXXX. The mortgage was arranged through a mortgage broker, XXXX and the mortgage was through XXXX. It was a variable rate mortgage that I was steered into as the only available option to me. I never fully understood the ramifications or consequences. The mortgage was apparently sold quickly to EMC Mortgage. We took out mortgage protection insurance offered by the lender, but with the soon to be shuffle, problems within the housing bubble and selling of the loan which got worse and worse, somehow the insurance just disappeared. As it was an adjustable mortgage, it got to the point where I could n't afford the payments. Concurrently, other financial institutions got involved who I had no idea of, such as XXXX and XXXX. Actually, the first I heard of XXXX was when they filed a foreclosure against me. Shortly thereafter, Chase took over from EMC somehow ( very confusing ), and began a push to to have me modify the loan. Scared, and figuring I had no other choice, I followed their instructions, and modified the loan. Again, I did n't really understand the ramifications ; and it was n't until I sold the property in XX/XX/XXXX that I realized how bad a mistake this was for me. The original mortgage loan of {$240000.00}, which I had paid down to {$220000.00}, was now {$340000.00}! I was shocked to say the least! I ca n't understand the how and why of so many banks and deceptions in this convoluted mess. I did subsequently learn that EMC Mortgage and Chase were one in the same - they have the exact same address. I believe that I was initially forced into a bad mortgage situation by the mortgage broker, and when it adjusted to a much higher level than I ever anticipated, I was ultimately forced again this time into a loan modification which had an astronomical cost to pay off. I tried to secure a complete file of all documents including the mortgage insurance, but I can never get everything - Chase says that the loan moving from financial institution again and again, these documents are lost. I think they are conveniently lost so that Chase/EMC can strong arm me while giving the appearance of not being culpable for anything. Please help!!!
XX/XX/XXXX I paid off my mortgage. I have called and was promised multiple times that I would get the paperwork for my mortgage. 

The latest call XX/XX/XXXX, I was told that the mortgage info for XXXX was not legible and that they requested a clear copy. I was unsure of this since XXXX has been Nation Star for  some time, buying out my mortgage. Now they renamed to Mr. Cooper, I was sent documentation of the loan payments being received.
I contacted XXXX XXXX, a collection agency based out of Kansas who was been reporting I owe them {$650.00} from a SpeedCash payday loan from XXXX. I contacted them in XX/XX/XXXX in which they offered me a settlement of {$500.00} on the debt for {$650.00}, I do not recall them saying anything about it expiring. 
I contacted them again in XXXX of XXXX in which they still had that settlement available for {$500.00}. The representative incorrectly disclosed the existing debt to what would be an unverified 3rd party on the inbound call, which violates FDCPA. 
I called them again last week and asked to pay the {$500.00} settlement, and now they refuse to take it, stating that it expired and now I can only pay the {$650.00}. I asked to speak to a supervisor and received the run around by the rep who was apparently passing messages from myself to her supervisor, and back through to me about why she's not going to take the call. ( This is unprofessional ). 
I ask to speak to the Director of Operations or the director of the floor and was told that there was only one manager in, and it was XXXX. After alot of begging XXXX did finally take the call and refused the {$500.00} payment of the settlement I was offering to pay today. I advised her that one of the reps there committed 3rd party disclosure on the call in XXXX and although she said she can review the call, she did not seem to care much. XXXX XXXX never advised me of the settlement expiring and I feel that as soon as I was ready to pay, they took it away and want the full balance now. 

I request that the CFPB does an independent audit at XXXX XXXX, reviewing every settlement call they have ever had to see if in fact they do or do not expire, and if they have ever accepted a settlement from a consumer after it allegedly " expired. '' I feel that that the {$500.00} COULD still be taken, but they are instead attempting to take advantage of an unemployed consumer to get more money.
Ask for validation of accounts and inquiries on my credit and was not provided with any proof of documentation with my signature on it.
On  XXXX   XXXX   2017, I  applied for pre-approval for an auto loan from my bank, USAA. I was preapproved for a range from {$40000.00} - {$6000.00}. Right on the web site it said that this was only a preapproval and I was not guaranteed any specific amount until I selected a vehicle and finalized the loan with a USAA loan officer while I was at the dealership. The next day  XXXX   XXXX     2017, I did  every step that USAA said to do, went to the dealership, and finished by talking on the phone with a lady who represented herself as  a USAA loan officer whi le sitting at the dealership. I gave the loan officer the VIN number of the vehicle, permission to pull my credit report, and all the other information she requested. At the end of the conversation she guaranteed me a final loan amo unt ( {$43000.00} ),   term ( 84 mon ths ), and rate ( 3.8 4 % ). I asked her to confirm the rate and term several times in front  of the dealership financial manager. Based on the guaranteed rate and term provided by the USAA Loan Officer, I closed the deal and purchased the vehicle. After four days ( when it is too late to return the vehicle without penalty ), USAA sent me a document entitled " Addendum to Note, Disclosure, and Security Agreement, '' with a completely different rate and term than the ones I had finalized with the " Loan Officer. '' I immediately called USAA, and they refused to adjust the rate and term to the one agreed to by their representative, because they said I had already agreed to a rate and term the night before I went to the dealership, and the " Loan Officer '' had no authority to supersede that on the phone. I understood the work I had done the night before to be a preliminary preapproval and that the loan terms would be finalized on the phone with the USAA Loan Officer just as we did. Otherwise, what would be the point of the phone call? I believe this to be a fraudulent, " Bait-and-Switch '' tactic to switch people into whatever rate and term are most advantageous to USAA after the loan has been negotiated.
I have had a XXXX ( XXXX ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX ) stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. ) contacted NAVIENT but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring. 

NAVIENT XXXX XXXX XXXX XXXX XXXX, PA XXXX
I had a World Points MasterCard from Bank of America with a 9.99 % interest rate. At some point in time several years ago they sent a letter stating that any future purchases would be subject to a hire rate. I do n't recall the increase, but it was significant so I decided not to charge anything anymore. I had gone through a divorce and lost my job so the balance on the card was very high. It has taken me 4-5 years to pay off that balance, but my next payment will XXXX it out ( the balance due is less than {$4.00} ). About that time, 4-5 years ago, I noticed while reviewing my online statement that they listed the name, address and social security number of a man in a nearby town with the same name as me. When I called to notify them, they were horrible saying that the man with the other name must be name. I asked them if his address and social security matched what they had on file for me and they said no. I asked them who was able to see my SSN because of their carelessness. My online access to the account was immediately terminated. Fast forward to yesterday and I wanted to log back in to see how many points I had. I reached out to them and they told me I had no online banking and could n't access my statements. I told them I wanted to see my statements online and they told me I was getting paper statements and that was good enough. They also told me that they were denying me online access because my log in information was not linked to anything. I asked them if I had a balance due and they told me what it was. So I stated that I was linked to " something '' for them to be able to get that information. I asked them how many points I had and they told me I forfeited the points when the account was closed. I never closed the account, have been getting monthly statements and making payments above the minimum due for several years - so I did n't know they closed my account. The point to this is that I have accumulated a LOT of reward points that I want. They closed my account and took my points away from me without notifying me. Are they allowed to just close your account and take your points away? I want my points back as I have made every payment on time for the past 4-5 years. Bank of America really does not care about the average person.
I ask this company to validate this debt for me and they still haven't properly verified or validate this debt. I do not have any knowledge of this debt. Under the FCRA section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original sign contract.
This was account has already been disputed with XXXX XXXX XXXX XXXX once before, and they refuse to correct their records. XXXX XXXX XXXX XXXX is alleging that I had an account with XXXX XXXX & that it became delinquent on XX/XX/2016. That is factually incorrect. XXXX XXXX is " re-aging '' this account to show that its more recent than it actually is, which allows them to continue to report it. I have asked them to provide proof that this account was indeed delinquent on the dates they claim.. I have asked them to return a copy of the final XXXX XXXX billing statement, and they refuse to do so. The negative mark is showing up on several credit bureau 's reports as well as with XXXX XXXX. I have perfect credit except for this negative mark and I want the CFPB to cite XXXX XXXX XXXX XXXX for their illegal practices and behaviors. This is a clear violation of the Fair Credit Reporting Act & /or Fair Debt Practices Act.
I purchased a car and it was reposed. Credit Acceptance garnished my wages and later placed a judgment of {$11000.00} plus {$260.00} for court cost in XX/XX/2009. I 'm trying to paid the judgment of {$11000.00} and was referred back to the attorneys that represented the Plaintiff. The attorney 's office told me I now owed {$23000.00}. It is my understanding that the amount I owe is the amount of the judgment {$11000.00}. I am a XXXX mother in XXXX trying to pay off this debt so I can buy a home for me and my children. This judgment is no longer on my credit report but it is still affecting my ability to become a first time home buyer.
My husband and I are experiencing some financial hardship. I initiated a call with the mortgage lender Chase bank for to apply for a loan modification. Turn in all required paperwork everything was fine until we mailed in the contract and made a late mortgage payment. Because the mortgage payment was 30 days late and was for the full amount of our loan it nulled and voided the loan modification contract. After being told this a day after making " a good effort '' to make the full amount of payment not knowing the contract was not signed by the homeowners ( my husband and I ) we just assumed that we had to make the full payment. We XXXX the contract on XX/XX/XXXX and e-debited the mortgage bill on XX/XX/XXXX to have it delivered to Chase by XX/XX/XXXX. After reading the " their contract '' it does not list specifics like what the new interest rate was, was the MIP reduced, did they reduce escrow, did we sign for another 360 months. NOTHING. Make the 4 month trial period payment and we will see what you get. Lack of specific information should be required when modifying a loan which was not done.
My loan servicer, Specialized Loan Servicing, placed forced insurance on my account for hazard insurance. I am part of an HOA that pays for this as part of the dues, and so I have been trying to get proof of this to Specialized Loan Servicing ever since they added impounds to my account. 

Not only are they impossible to get a hold of on the phone ( any time I call their automated system says the wait time is greater than 15 minutes and offers a call-back option. I have yet to receive a call back earlier than a DAY later ) but they do not list a means of contacting them via email! 

I have faxed them my information several times, with a cover letter showing my Specialized Loan Servicing loan number, my email at which I have asked to be contacted at and my request to have impounds removed -- I have never received any attempt to reach back out to me. 

When going to their website to try to find an email through which I can electronically send them the information, the only description available is this : " To reach us by E-mail : You may email your request to Customer Care Support by logging into your account, then select Contact Us and follow the instructions to contact us via email. '' THAT IS FROM THEIR " CONTACT US '' PAGE, AND NO FURTHER INFORMATION ABOUT EMAIL IS GIVEN!!!!! 

I am losing XXXX dollars a month because these crooks have made it impossible to provide them the information they are requesting. Please help put an end to this -- I feel utterly trapped because I do not have the option to take my business elsewhere.
I have submitted an identity theft block to XXXX XXXX and Trans Union. I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All three credit reporting bureaus have refused to block it
Nissan Motor has been consistently reporting my auto-loan as delinquent sine XXXX of 2017. However, I have been making my monthly payment before the due-date every month. Every month that I call in, I pay Nissan exactly what's due prior to the due-date, but they somehow can not seem to report my pay history correctly.
XXXX XXXX XXXX. NOT MY LOAN. XXXX XXXX XXXX in Florida. I live in Michigan. Have disputed with XXXX, XXXX and XXXX XXXX. It was removed last year but now back on my credit report.
We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with XXXX XXXX XXXX Bank ( XXXX XXXX XXXX ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. XXXX XXXX XXXX was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) XXXX XXXX XXXX started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX  XXXX and have not yet received a response as to a decision ( 90 days since reporting ) XXXX XXXX XXXX has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!
I noticed that Equifax hasn't removed my bankruptcy from my credit report it's been 2 years I want it removed it should have been after 1 year. I submitted a dispute but it's still showing on my credit report
In XX/XX/XXXX/XX/XX/XXXX I applied for online offer ( see attachment # 1 ) from American Express for an AMEX SPG credit card that would reward you with XXXX SPG ( Starwod Preferred Guest ) ponts, if you spent {$3000.00} within the first 3 months and an additional XXXX SPG points if you spent an additional {$2000.00} within the first 6 months. My application was approved and I was issued an SPG AMEX card ending in # XXXX. I did spend {$5000.00} within the first 6 months as advertised and I called AMEX to find out when I would receive my XXXX SPG bonus points? The AMEX rep advised that I needed to wait another 1-2 billing periods. I called back again in XX/XX/XXXX and was advised that I did not qualify for the promotion because I had an AMEX card 3 years before. On XX/XX/XXXX, I sent an email to the CEO of AMEX, XXXX XXXX, ( attachment # 2 ), explaining my disappointment with the marketing of the AMEX SPG card, as AMEX had all the information on my prior AMEX cards before approving my application for this offer, so I assumed I was approved for the AMEX card and the offer. If I had not been approved for this card, I could have applied for an AMEX SPG Business card or to a competitor 's promotional offer, rather than spending {$5000.00} with AMEX. I received a response from XXXX XXXX 's office ( attachment # 4 ) echoing the explanation given by the AMEX rep. On XX/XX/XXXX ( attachment # 3 ), I sent another email to XXXX XXXX ( Assistant to XXXX XXXX ) of AMEX, detailing why I felt that offer was deceptive or misleading and deprived me of fulfilling a promotional offer from another credit card company and AMEX 's email repeated the same response as their prior email ( Att. # 4 ) I then forwarded my complaint to the Consumer Protection Bureau of the PA Attorney General 's Office ( attachment # 5 ) .and in XX/XX/XXXX I was advised they could not resolve my complaint with AMEX ( attachment # 6 ).
I have a complaint against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. I am a victim of Identity Theft and I have a Fraud Affidavit on file with the FTC. I sent in my Fraud Affidavit to Equifax on XX/XX/XXXX. I sent the same Fraud Affidavit to XXXX and XXXX at the same time and they have removed all of the Fraudulent accounts from my credit report but Equifax refuses to do the same. I have done everything they asked me to do. Equifax HAS removed three fraudulent accounts on my credit report, but they continue report the remaining fraudulent accounts on my credit report. Please Help!!