WillisBack/dataset-financial-user-claim huggingface dataset:
This company has falsely coerce me into the store location when I confront it the manager about the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the bank account information they can not process my application or accepted the manager then did not give me back the application and was very disrespectful and had security escort me out of their place of business that security officer make several demeaning disrespectful comments to me he I feel even put my life in danger by holding his hand on his firearm to the point where the only defense I had was the safety within my car and trying to be escalated argument that continued on with him outside of the store where he was taunting me to try to get me to hit him with my car while he was holding his hand on his XXXX and unstrap the holster this company has had a history of misleading customers by lying to them is for what credit reports were actually being ran or not ran as well as items to bring into the store the fact that this was regarding a place of business that lied and manipulated information to get me to fill out a false application regarding my credit for a title loan is why I'm reporting this matter along with the XXXX XXXX used by the store employee and a customer service by the unprofessional untrained manager
On XX/XX/XXXX I recieved a notification that my credit had been pulled. I immediately called the company and they verified that my social security was used for an application that did not match my name or my phone number. They told me they would remove it but they have not done so as of XX/XX/XXXX. I dont know how they allowed an application to go through when it had my social and another person 's name, when asked for my tried to verify me as the applicant they asked for my middle name, but I dont have one, the phone number listed also was not mine. This company has terrible security issues if it allows such things to happen.
I brought the car in XXXX XXXX, 2013 and i kept it for 3 days i took it back to the dealership and told them it was a lemon and they still paid the first payment to receive the check for the car and get me tied in for the loan
My loan that was initiated with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and was serviced by XXXX. Due to family hardship, at the end of XXXX I fell behind on my payments for few months. After applying for a modification plan and being finally approved for a modification with specific trial amounts, my loan was sold few days later and transferred in XXXX XXXX by XXXX to a new servicer /Fay Servicing LLC . Right away, I made contact with Fay Servicing to start making those payments. Fay Servicing asked me to re-apply and re-submit all the documentation in order for my loan to be considered for a possible modification by the new owner -XXXX . The old modification approval from XXXX was void. However, they agreed to take payments from me every month from the moment my loan was transferred to them, while my file was reviewed for a possible modification plan.The review was extensive. They kept asking for documentation that I previously sent or new documentation, denied me for missing documents that I already provided but got lost and asked me to reapply again ... The way Fay Servicing has been applying my payments and extra payments to XXXX loan and escrow was very ambiguous and hard for me to understand on my statements. When I reached out to Fay Servicing to help me understand the customer service was able to only take my monthly payments but for issues they referred me to the account manager as the only person that I can discuss my account. The account manager was always very hard to get hold of when I was available, intentionally calling me back when I was at work and not able to respond and discuss. For many months, he denied me access to view my loan online because my loan was not up to date and he would not follow with any of my concerns. Eventually in XXXX my financial situation improved with my husband finding a job and I was able to bring my payments up to date. At the end of XXXX I called the account manager and informed him that I was refinancing my loan with another institution and asked him if there are any additional fees that I should be aware of besides the loan balance. After checking my account, he said no. The payoff included a charge of {$430.00} called corporate advance that I was never made me aware of. When I called and asked for details on it, the account manager said that it is related to foreclosure process they started even thou they accepted my payments every last day of each month, never missing one month since I was transferred to them from XXXX.
I have a some addresses on my report that are not mine. My name is XXXX XXXX. XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX ( XXXX XXXX ) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I have requested documentation from XXXX XXXX to check to make sure all that is reporting is correct. You are also reporting inaccurate balance on the account this account has been paid off.
I have notified Santander Consumer that I was a victim of Identity Theft, my wallet was stolen, I provided Santander Consumer with a Identity Theft Affidavit. To date, Santander Consumer has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
I had a credit card with USAA Federal Savings and XX/XX/XXXX the account was charged off. XX/XX/XXXX, they sent me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX as issued. It has affected all my financing since XX/XX/XXXX due to this fact.
A company calls at least twice a day attempting to collect a debt that I do not owe, I have talked to someone at least once a year and th ey tel m e they have my home phone number for someone else other than me, the company continues to call me year after year for the past 8 years. They stop calling fro m one nu mber then call from another number. At this point, no one answers when I pick up and I believe they are robo-calling, it is annoying and I now believe this company should compensate me for the years of repetitive calls for a debt that is not owed by me!
I have been late on my loan payment since my husband lost his job. I have made a deferred payment for XX/XX/2016 payment. They make calls and leave messages for me every day, send me mail. Which is fine I understand the loan needs to be paid. Now they came to my home. Calling all of my references repeatedly. I already explained to them my situation. They came to my home yesterday, spoke with my husband. So we know the situation. I am making every effort to try to get the money together. Still today they call my father. He has a XXXX XXXX. I do n't need him to know that I am having problems paying my bills. Once a week, mailed letter is fine to remind me that I am late on my payment. This is harrasment. Springleaf bank/One main Financial.
Eastern account systems account # XXXX Did n't provide adequate verification for debt. In question no documents were provided showing a contract or signature!
I was a XXXX at a XXXX college in XXXX XXXX XXXX named XXXX. I attended XXXX to try and better my education and grow as a professionalI .I called the XXXX ad scheduled an appointment with a rep who I thought was a counselor. Later I found out that these reps get commission for every student they enroll and once we XXXX .which is why they are a predatory school. I advised the rep that I did not finish XXXX and that I wanted to further my career. The rep referred me to a XXXX that was XXXX and a fraud .I completed about XXXX test in XXXX hours and they forwarded my transcripts directly to XXXX stating I now had a XXXX. I then Attended XXXX for 2 long years and XXXX the XXXX program they offer. Once I tried to apply for a job in the XXXX XXXX field such as XXXX, XXXX probation, i was advised that in order to get credit for my XXXX degree and XXXX must be from an XXXX College, which XXXX is not.The degree from XXXX is pretty much useless, no regular college recognizes the credits and no criminal justice job will accept it. So I feel defrauded I wasted 2 years of my life and now I have a big student loan debt.
I called into American Express Serve 's customer care number at XXXX because of a dispute that was credited back to my account but had not been as documented. I called in again today to see why the money had not been credited and the representative gave me the run around. After being placed on hold several times he then told me I had to add money to my account in the amount of {$1.00} for him to credit my account. After a while I heard talking and the representative hung up on me. This is my second complaint about money that was supposed to be credited tin the amount of {$2900.00} when it was stopped by myself online on X/XX/2017.
On XXXX/XXXX/16 I discovered unauthorized charges from XXXX/XXXX/16 totaling almost {$8000.00} & the loss of XXXX in reward points. I immediately called TD to alert them of the problem. I was told to give them XXXX hours to correct my account and that it was a widespread problem affecting numerous customers. I contacted the company 3 more times & was told different stories by different representatives. 

I sent a certified letter on XXXX/XXXX/16 requesting the money to be credited back to me and also to restore my reward points. The charges were credited back but the reward points were not. 

On XXXX/XXXX/16 I called to request a resolution to restoring my points and I was assured by them they would get back to me within a few days. No one has returned my call and TD has not restored my points, so I respectfully request the CFPB 's help in resolving this matter.
Navient has encouraged me quite often in the past to get " Forbearance '' and then " Consolidation '' when I had personal setbacks like divorce and paying for my children 's college loans and mine which I took to get relief. I inquired and completed forms for " Public Loan Forgiveness '' and Teacher Forgiveness '' to no avail. I have spent countless hours on the telephone with Sallie Mae and Navient employees. I have now retired and inquired again about forgiveness programs after 50 years of working in XXXX, specifically with XXXX XXXX XXXX XXXX, XXXX XXXX   children and adults and XXXX populations. I was told that I did not qualify for either program because I followed through with their advisement that I consolidate my loans with my children 's loans. I did not have a viable option at the time because my children 's colleges/universities did not allow students to apply for student loans. I have been put in a " no-win '' situation by both Sallie Mae and Navient with their forbearance schemes and false encouragement to consolidate and their determining my payment options without my consent. ( I am asking for forgiveness of this extremely large debt, although I have maintained these payments by " robbing Paul to pay Peter '' analogy. ) I have just received an increase notice which competes with my mortgage payments. In fifty years, my student loan debt has not shown any decrease due to their machinations, captialized interests, and poor advisement. Thank you.
This account was a payday loan from the XXXX XXXX in XXXX, XXXX. 
XXXX years will be complete in XXXX XXXX. I am requesting that this loan disappear from my account. Company has claimed XXXX/XXXX/XXXX which is incorrect. Please send copy of original note signed to me verifying date. Loan was made against my social security payment from the XXXX government.
On XXXX i disputed XXXX collection account and XXXX inquiries on my Transunion credit report on XXXX/XXXX/2016 i received a letter from Transunion dated XXXX/XXXX/2016 stating the investigation was complete and the collection account was verified but nothing was said about the inquires. I sent a follow up dispute on XXXX/XXXX/2016 stating I did not believe they investigated my dispute and my dispute must be investigated properly and completed within the original time frame. On XXXX/XXXX/2016 I received a letter from the collection agency dated XXXX/XXXX/2016 stating that they could not verify my account right now and they need more time to do so. Transunion violated my rights and falsely verified a collection account and completely ignored the inquiries i disputed with them.
My husband and I was in the process of selling our previous home where payments was due with XXXX XXXX A Division of XXXX XXXX. As of late XX/XX/XXXX early XX/XX/XXXX we requested a payoff. In XX/XX/XXXX I received a call from XXXX XXXX but no message was left. So, I returned the call because I wanted to find out why they were calling because I knew I was current in payments. The young lady that answered the phone went though their protocol by asking me all of my information. Then she processed to ask me what I needed, I responded stating that I had a missed call but no one left a message. I then stated, Im not actually sure why anyone would be calling because were current with our payment and she stated yes I see that. She stated that she was not sure who and why anyone would be calling you. Well, come to find out back in XX/XX/XXXX we applied for mortgage assistance but didnt go through with it but we came up with the pass due on XX/XX/XXXX and brought current. At that time a cancellation for the mortgage assistance was done. 

Now, that we have requested a payoff XXXX XXXX has used a third party company by the name of XXXX XXXX to run our credit on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX causing a hard inquiry on both of our reports causing our score to drop. Plus, causing issues to move forward with purchasing our new home that was to closed on back in XX/XX/XXXX. 

Once, I found out this information that caused us a delay in purchasing our new home I reached out to XXXX XXXX to find out why were they running our credit for mortgage assistance when we wasnt behind and havent been for over six months. No one could answer my question so I asked for a supervisor, then she couldnt answer me either. She tells me that I need to give them permission to run my credit so she can see if it was XXXX XXXX that did what I was claiming. I told her no because they have already ran our credit without permission twice and cause my spouse and I credit to have a hard inquiry that needs to be removed immediately. I informed they lady that I was very unhappy and dissatisfied with XXXX XXXX and discontinued the call.
I contacted Chase by phone about my mortgage payment ( s ) being late due to hurricane Irma in XX/XX/XXXX. I was informed at that time that there was a program that I could participate in that would not penalize me for missing my mortgage payments from XX/XX/XXXX through XX/XX/XXXX. I was told there would not be any late fees or negative impact to my credit as a result of participation in the program. I'm sure there is a recording of this call. I was told that I could apply for a modification to my mortgage, which would include the missed payments. I felt such relief and appreciation. In XX/XX/XXXX I began resuming my mortgage payments and at that time Chase reported my loan 90 days delinquent to credit bureaus! I was mortified considering I was told that this modification would not negatively impact my credit. I believe I was XXXX and now have two or more months of 90 day late payment status on my mortgage I am paying trial payments and feel this account status is not fair to me. If I was aware that this would happen, I would have taken a loan to get the payments in. Chase assured me that everything would be just fine and this would not impact my credit. I was approved for the modification.
I been reviewing my credit since transunion server error and i noticed alot of inquiries was placed back on my report in some cases 3 times more on my report i also had cases of the wrong address like i had California addresses on my report and i never been. I went online to resolve the matter with transunion i was able to correct the address issue but it doesn't give you the option to address the inquires. 1. XXXX XXXX   XXXX, 2. XXXXXXXX XXXX XX/XX/XXXX, 3. XXXX XXXX  XX/XX/XXXX, 4. XXXX XXXX XX/XX/XXXX, 5. XXXX XXXX XX/XX/XXXX, 6. XXXX XXXX XX/XX/XXXX, 7. XXXXXXXX XXXX   XX/XX/XXXX and XX/XX/XXXX XXXX, 8. XXXX XXXX XX/XX/XXXX, 9. XXXX XXXX, 10XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 11. XXXX XXXX XX/XX/XXXX, 12. XXXX XXXX XX/XX/XXXX, 13. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 14.XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, 15.  XXXX XX/XX/XXXX, 16. XXXX XXXX XX/XX/XXXX XXXX, XXXX, 17.
Refer to my correspondence with Citi Bank regarding my credit card XXXX In short I was contacted by Citi bank and they have offered mediclaim policy of XXXX, in XXXX and policy was issued and premium was debited in my credit card and it was paid by me. After that in XXXX before expiring that policy I have sent the mail to Citibank for not issuing the fresh policy or renew the mediclaim policy. 
Even prior information for not issuing the policy they have issued the fresh policy and debited the amount in credit card statement. After that I have sent so many mails not a single mail was replied. 
Now one month back I have come to know that Citibank has reported me defaulter and updated in XXXX so now my request is this kindly go through the attach file ( all mails sent to Citibank ) and resolve this and arrange to remove my and my wife name from XXXX.
I am a victim of Identity theft/fraud. 

I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND EXPERIAN XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
XXXX XXXX, XXXX Dispute Late Charges -- Specialized Loan Servicing -- Loan # XXXX To Whom It Concern : servicing company is Specialized Loan Servicing. The underlying lender is XXXX XXXX. It was a 10 year interest only with a balloon payment due XXXX/XXXX/XXXX. Due to a number of unforeseen circumstances including the housing bust, we experienced a difficult financial period. We had XXXX collections that were on our credit report for quite a while. Finally in the XXXX, we were able to pay off the collections and start to rebuild our credit scores. We understood this would be necessary in order to obtain a loan modification. Finally, in XXXX XXXX, our scores were above XXXX after being in the low XXXX. We were advised to contact the servicer of our HELOC loan and negotiate a modification with them. We did this. On XXXX XXXX, XXXX, the first package of documents were emailed to Specialized Loan Servicing ( SLS ) requesting a modification. Over the next eight months documents were submitted when requested. Finally on XXXX/XXXX/XXXX we received a notice that our request was denied due to the loan being a HELOC. 
It is our contention that SLS failed to negotiate in good faith. They knew from the very beginning that the loan was a HELOC and could have advised us of not being able to modify it in XXXX XXXX or XXXX at the latest. Instead they chose to prolong this over eight months while charging us with late payments each month. They have now single handedly destroyed our credit to the point that we are not able to obtain another loan to pay this XXXX off. We have contacted several lenders, including private money lenders, and due to the late charges, we can not obtain a loan. It appears that their goal is to put us into foreclosure. We do not want to lose our home of 14 years. We could have easily obtained a loan in XXXX or XXXX had we know they were not going to modify the existing HELOC. 
As a gesture of good faith, we continued to make the interest payments for XXXX and XXXX based on the bills we continued to receive from SLS during the negotiation period. A payment was made on XXXX/XXXX/XXXX in the amount of {$300.00}. A second payment of {$250.00} was made on XXXX/XXXX/XXXX. The XXXX/XXXX/XXXX payment was returned to our account on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX payment returned on XXXX/XXXX/XXXX. When I questioned this, I was told by a SLS representative that they would not accept any payments that were not the full amount. They could have easily told me at that time that they would not do a modification on a HELOC. 
Again, we do not feel that SLS has negotiated in good faith, they knew from the start the loan was a HELOC and their policy not to modify a HELOC and they deliberately prolonged the negotiation period to allow them to systematically destroy our credit rating with late payment charges. 
We respectfully request these late charges be removed, our credit ratings be restored and in order for us be able to obtain a new loan to pay off this HELOC.
On XX/XX/2018, I received a phone call from Iberiabank Corp. XXXX XXXX . Their agent suspicioned a credit card application was a fraud and called me before issuing anything. 

I have no written documents from them. 

The bank had a great deal of information about me including : correct name and address, Social Security Number, Credit Report and Date of Birth. Possibly more but that was enough to convince me I have a problem.
I have filed numerous complaints regarding the reporting of my XXXX XXXX account, ending in XXXX. Since the bank refuses to remove the account from my reports, as they promised to, if I paid in full. I have since paid in full but now they will not remove the account. Since the account will not be removed from my report, I would at least like for it to reflect correctly. This account is no longer in collections, has it is stated on my report. I have PAID IN FULL. However, the account status on my report still say collection/chargeoff. I would like to have the account status to reflect " closed/paid ''