WillisBack/dataset-financial-user-claim huggingface dataset:
I closed my XXXX " XXXX '' account due to being charged a late fee at XXXX XXXX as their closing date is at XXXX XXXX. I disagree with this and closed my account. ( They did refund the late fee ). 
I cut up my card and sent a letter to XXXX closing my account. 
Due to not having the account number I am now unable to call to make payment as the XXXX phone number requires the input of an account number. I selected any option and did find someone to accept my payment but the customer service rep could not tell me my balance nor minimum payment due as I have paid ahead on my account. 
I then requested a paper bill. 
I am unable to pay online because I do not have an account number and XXXX will not reinstate my online ability. 
I again put in writing and wrote XXXX and requested a paper bill 30 days ago but have not received a paper bill. 
I am unable to go to a store due to the location being over an hour away. The nearest store has closed that was 1 hour away as well. 
I am unable to get through by calling customer service because I do not have an account number. 
I am unable to pay my bill online because I am locked out and do not have my account number. 
I can mail my bill but do not get paid until the XXXX and do not trust the processing time to avoid a late fee based on XXXX XXXX policies and ability to contact customer service. 
How can one pay their bill? 
I want to pay online or have a direct phone number to pay my bill since I do not have an account with XXXX anymore. I find this process very difficult and not consumer friendly. But yet XXXX will immediately charge late fees at any opportunity. 
I do not want nor accept automatic payments on my accounts due to past experiences when an account is paid in full but experienced continued deductions.
Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 3 accounts reporting to Equifax which are fraudulent & I'd like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Civil judgement was vacated. Case was dismissed without prejudice. Forwarded copy of the order from the court to transunion via fax on XXXX/XXXX/2015. On XXXX/XXXX/2015 their " investigation '' was closed and the item was " verified as accurate '' which is impossible, because it is incorrect. After spending several hours on the phone today being transferred and disconnected over and over again, it is clear that they have no intention of fixing this error. They claim to have never received my document and asked me to fax it again. When I asked them to verify receipt of the fax, they said that they could not. 

This is a never ending cycle of incompetence coupled with the inability to easily communicate with anyone due to the language barrier of the operators. I speak English. My initial call, I was transferred to a supervisor and disconnected. The second call I was transferred 3 times to XXXX different supervisors, then disconnected while being transferred to the XXXX. The XXXX call, I was disconnected by the first operator while he was attempting to transfer me. 

This is not a matter of he said/she said. It is indisputable fact that no one is arguing except for transunion. The court will confirm that the judgement was vacated and the case has been dismissed. The original plaintiff will confirm that the judgement has been vacated and the case has been dismissed. I have hard evidence proving that the judgement was vacated. Transunion just really wants to keep this on my report for no apparent reason. 

They categorically refuse to remove it.
My loan documents show tax payments due in XX/XX/XXXX and XX/XX/XXXX. The current servicer, Wells Fargo Home Mortgage, has changed the XX/XX/XXXX tax payment to XX/XX/XXXX ( though there is no difference in when it is due ) in their escrow analysis and now claims that the escrow has a deficiency. My tax and insurance obligation have changed by less than {$30.00} per year from when the loan was made, but Wells Fargo Home Mortgage is now claiming an escrow deficiency of over {$400.00}. It is clear by making the calculations that this is due solely to their changing accounting methods and using XX/XX/XXXX instead of XX/XX/XXXX for the tax payment date despite there having been no change in when it is due from the time the loan was let. Wells Fargo Home Mortgage ( who are not the original servicer ) claims that they can not make a tax payment by XXXX XXXX without accounting for it as a XX/XX/XXXX payment, but XXXX XXXX XXXX, the original servicer, had no problem doing so, as evidenced by the original loan documents. I do n't believe Wells Fargo Home Mortgage is allowed to change the accounting method without notice, and that notice would have been due within 60 days of the change in servicer, and was never given. I complained to Wells Fargo Home Mortgage by phone, and after review they have indicated they will not change their escrow analysis.
Bank of America continues to offer through the mail, Money Saving Checks which may be used for any purchases or transferring balances from higher interest rate credit cards. These checks, generally there are 2 or 3 in each mailing, offer promotional rates as low as 0 % for a limited time. 
There is a one time transaction fee for using any of the checks. This is explained in the literature. 
However what is not explained, and it took me several phone calls and visits to the local branch before anyone could explain why i was being charged a fee each month. Admittedly only {$1.00} but nevertheless I suspect that there are many who are unknowingly paying the fee because unless the balance for new transactions is paid each month the fee would be embedded and lost. 
The fee, so I found out after much trouble, is interest on any new transactions. New transactions, whilst there is an outstanding balance on the initial check transaction. do not have any grace period. Even if all payments are being made on time. 
This zero grace period is not explained. Nowhere. Even the BofA staff did not know.
Ally Financial. I called to lower payment or refinance balance but was denied. the payment were too high and I couldnot trade it because of the negative equity.
XXXX XXXX XXXX Account Number-XXXX Date Reported-XXXX Date Assigned-XXXX Creditor Class-Medical/XXXX XXXX XXXX   Name-XXXX  XXXX XXXX XXXX XXXX Original Amount- {$1500.00} Date of 1st Delinquency-XXXX ADDITIONAL INFORMATION : Collection Account The above referenced account was disputed via online with Equifax and in less than 2 weeks they provided results that stated the account was accurate. However, they failed to provide validation of debt to prove debt is in fact my debt. In addition, this account was determined to not belong to me approx 2 years ago and was removed from my credit report. However, it has resurfaced and they have not provided validation of debt. I was never notified of debt nor do i have any knowledge of debt. 
In addition, I attempted to contact creditor prior to disputing debt and was not able to be assisted. I searched creditor information in attempt to escalate debt as I was told by creditor they were unable to locate debt and found that credit was not authorized to collect in the state of Florida.
Application for loan modification was resubmitted for my on  XX/XX/XXXX  since my financial situation changed and those factors were not considered in the review of application denied in  XX/XX/XXXX . On  XX/XX/XXXX  additional supporting documentation was provided t o Fay Servicing via email per request of accnt manager. O n  XX/XX/XXXX  the account manager ( or SPOC ) advised case had been marked complete and was being handled by underwriting as of  XX/XX/XXXX .     On  XX/XX/XXXX  I received a letter requesting  P & L for co ntributors since they could not provide paystubs for their income. The documents requested were sent by  XX/XX/XXXX  pe r Fay Servicings reque st. On a phone call made to the servicer on  XX/XX/XXXX  we were informed the underwriting department requested an update d  XXXX  claimin g the IRS had rejected the one we had submitted. I did not receive a letter or phone call with this request. An upd ated  XXXX  for m was emailed to servicer per request.   On a phone call to the SPOC on  XX/XX/XXXX   XXXX   XXXX  informed the underwriting department had received the form emailed  XX/XX/XXXX  and that my file was complete. He promised to follow up with a phone call within a week.   On  XX/XX/XXXX  I had not heard from servicer and had not received any letters indicating outcome or requesting documentation. Voicemail was left for SPOC to return phone call with update on this case.      XXXX  SPOC (  XXXX   XXXX   )  explained that underwriting department had been handling my case since  XX/XX/XXXX . However, since 90 days have passed since that department received the file and a decision hadnt been made, updated application and documentation needs to be re-submitted for their review.     The  SPOC  further explained that the reason why a decision hadnt been made on the case is because the underwriter department is overloaded with work since I am not heir only client, and has not been able to review the documentation provided on time, therefore documentation submitted in  XX/XX/XXXX  has now expired . SPOC gav e as an additional reason for delay on the decision the fact that I had not responded to requests immediately, or did not submit a complete application when prompted. I submitted all documentation as requested by the deadline p rovided by Fay Servicing, and Fay Servicing  has acknowledged the receipt of the documents by such deadline. Further, the fact that this case was submitted to the underwriting department in  XX/XX/XXXX  shows tha t Fay Servicing had consid ered my Application for Assistance as complete and subsequently transferred the file to the underwriting department for a prompt decision.
I moved into an apartment complex XXXX/XXXX/XXXX and was evicted for one month unrated rent the following year in XXXX. My rent was {$1200.00} a month I missed one month, I also had a security deposit of {$1600.00} ( although I know I was n't going to get my security deposit back ), a year later I decide to check my credit score and it stated that I was in debt with Kimball, Tirey & St. John LLC {$4000.00}. I had no idea about this was n't informed or contacted. I kept scrolling and saw that they had another collection out for {$500.00}. So I have two collection cases open now with this firm, one for {$4600.00} and the other for {$590.00}, over {$5000.00} in unexplained debt. They sent letters to my family members homes as well as my fiancee 's mother 's house saying they would take legal action if not paid but never explained why either account was so much and why two cases were open.
Late Fee charges I was charged 10 late fee charges from XX/XX/XXXX to XX/XX/XXXX I believe all in error. I will attach the records that show that when i set up the account. Payments were to be set up after the XX/XX/XXXX. And the records shows that on the earlier dates there were payments on the XX/XX/XXXXwith no late fees.
On or about XX/XX/2018, Credit Card was hacked and used for purchase as well as a deposit from an account that did not exist. The limit that was given to me on my card was for XXXX and it has been rung up for XXXX. How is this even possible. After trying to resolve with the Credit Card company, they said I had to file a police report. all this explanation and police report has been filed and they are still charging me fees for not making payments., I refuse to pay any charges that I have not made. They continue to charge me every month as well as report to the credit bureau of my delinquent payments. Not fair if they have not done anything to try to resolve this matter. I am flagged from getting any other card, as my credit score has diminished drastically because of this.
First off this company has not proven that I owe any debt to them, I never signed any contract or agreed to pay AD ASTRA at any time. A TYPED name is not VERIFICATION that a contract was signed and agreed. If a contract was signed and agreed upon it was with a company other then Ad Astra. I am asking for information and signatures stating that I OWE AD Astra MONEY. I never signed any contracts with AD ASTRA I have no knowledge of them until recently.
I have received repeated calls and voicemails from a company claiming to be Cambridge Asset Management. The voicemails threaten some type of legal action and threaten to attempt to find me at my home and place of employment. The name of the individual they reference in the messages is not mine.
I received calls and voicemails from this group on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 2017. Each time I have returned these calls and advised that I am not the individual they are looking for and requested that I receive no further calls. Each time I was advised that my number was removed and that calls would stop within 48 hours.
On my most recent call I spoke with a XXXX XXXX who claimed that I had never contacted this group as they had just opened the file. She later stated that I had received several voicemails from XXXX XXXX, but that no return calls had been logged. She advised that she would remove my number. When I asked to speak with her supervisor as this was the same information I had been given in my previous calls, she ended the call.
My insurance company ( Ocwen ) has taken funds from my escrow account for " annual '' Lender 's placed insurance twice this year. First in XXXX ( {$680.00} ) and again in XXXX ( {$630.00} ). They also failed to pay my property taxes in XXXX. This resulted in a over {$3000.00} in fines and penalties. They did end up paying the back taxes and fees in XXXX to avoid foreclosure from a XXXX party company that purchased the back taxes. They held me responsible for over {$1600.00} of these fees. I have been behind XXXX payment for the past few years. They have refused to help me remedy this, any over payments I make they apply to late fees, even though their statements advise that they will apply all funds to past due payments first. I have spent countless hours on the phone with representatives that are not willing or refuse to assist us in any way other than to make the full payment to catch up. We have previously asked if they would defer the past due payment. The representative advised that they would be able to assist, but this never happened.
I checked my credit report today, XX/XX/XXXX and noticed inaccurate reporting by the XXXX XXXX XXXX for my student loans for the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I was ENROLLED in school, which meant i had an IN-SCHOOL DEFERMENT. There were no payments due at the time that was enrolled. I have never received any correspondence about a late payment.
I made a payment of XXXX to GC Services on XX/XX/2015 and XXXX says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report.
I pulled up my credit file on Transunion on XXXX XXXX and all of my inquires was deleted.. When I looked at my credit report on XXXX XXXX, 2016 all of my inquires was back on my credit report without my knowledge. When I called Transunion on XXXX XXXX, 2016 they told me that I was not affected by the glitch. I explained to XXXX XXXX that I was affected by the glitch and I have my credit report showing that I had XXXX inquires on my report and they showed back up. I asked to speak with a supervisor he put me on hold several time then came back upset and told me that he could not help me and that he was going to terminate the call. I then told him " My next complaint will be with FTC for FCRA violation for inaccurate reporting on credit history '' he told me to do what I needed to do then hung-up the phone on me.
I have XXXX accounts opened between XX/XX/XXXX- XX/XX/XXXX for the US Department of Education XXXX I have disputed the reporting due to the account was consolidated in XX/XX/XXXX. The account is showing a collection status for XX/XX/XXXX and XX/XX/XXXX. This incorrect reporting has damaged my report. I spoke with the Dept of Education and they have denied the reporting of a collection in XX/XX/XXXX and XX/XX/XXXX.
For the past year and a half, Kohl 's reported my information improperly and noted my social security number incorrectly with  XXXX . This caused an undue hardship and numerous denials because the social security number was listed incorrectly by Kohl 's. Upon getting this corrected and later discloswed by the   XXXX    representative, after a year and a half of problems, I am now able to get into my credit report. The matter was resolved in a payoff and has caused irreparable harm. I ask that Kohl 's remove this matter in order to avoid further injury.
For the past year, I have been applying for a military deferment due to my XXXX XXXX status. Navient has consistently said that I am not serving in a war, emergency or contingency operation and that how I serve does not quality. It particularly impacts XXXX who volunteer for XXXX XXXX. It seems arbitrary and a means to not give military deferments to those of us in uniform.
I've contacted the source for the credit agency Lexis Nexis to dispute bankruptcy case numbers XXXX and XXXX they have conducted an investigation and deleted the information. They informed me that that the reporting agency could see that it's been removed from the reporting source. The reporting agencies, XXXX, XXXX and XXXX continues to report that Lexis Nexus is reporting the information is correct and remains the same. I've submitted the report from Lexis Nexis and they still refuse to correct the information or show proof of anything different from Lexis Nexis or the Courts.
In XXXX 2015 and XXXX 2015, I attempted to refinance my loan through the HARP program with my existing lender Nationstar ( under their Green Light XXXX ). When I called, I specifically stated that I was just coming out of a bankruptcy and wanted to know if that would hinder my chances. I 've had my loan for 8 years and never paid late. I was told no. I also asked if the LTV on my home would stop me from qualifying for a HARP refinance. Again, I was told no. My problem is the way my application was handled. Initially, it seemed like my refinance was going to happen. The closing coordinator said everything was going smoothly, and all I needed was employment verification. My impression was that after this was submitted, my loan would not be long in funding, but then I was told that their underwriting did not like me as a prospect. After that, I kept getting told different things. First I was told by the representative that the system did n't like my loan, and the people working my loan could n't get the system to accept it. Then it was that the underwriting department did n't like me as a loan prospect because of the bankruptcy even though I was told my credit and income were not the issue. Part of the problem was that my loan with Nationstar had n't been reaffirmed after bankruptcy and that I should try to find out if I could get it reaffirmed. I called Nationstar and was told there was no need to reaffirm my loan and that it was being reported to the bureaus. After I told XXXX XXXX that, he said it was a problem with the system and to try back XXXX XXXX. I called back XXXX XXXX and my application was flat out denied. Again, because their underwriting department had problems with my bankruptcy. What does n't make sense is that the reason for denial on their letter was " value or type of collateral is not sufficient, '' even though Nationstar 's website states that they have no underwater limits on HARP refinances. I need someone to get a truthful answer as to why I was denied when I seemed to meet the requirements initially. I still have a lot of my documentation and e-mails that I can provide. Thank you.
My credit report shows XXXX open amounts from XXXX collection companies that have been paid since 2011. 

I am trying to get a home loan and I am unable to get my score to go up. I make regular payments and pay my cards off or at least to XXXX the remaining balnce at most.
They called me early on XX/XX/XXXX, about XXXX from a blocked phone number. I called back to speak with a supervisor the same day after XXXX to put in a complaint they told me they can call from a blocked phone number as long as they tell me they are calling about a debt. When I asked wasnt that breaking federal law they told me someone in their compliance department told the supervisor, they werent in violation.
I discovered fraud charges on my case and found that BP let this charges come in and did not notify me of this fraud use of my card. I also found that there are fees that are charged to my account for this fraud charges.
Previously sent two requests for validation of the debt. on two separate accounts. Midland never provided validation of either debt XXXX XXXX XXXX or XXXX ). Time has expired for Under the Fair Credit Reporting Act. They must remove the unverified reportings.
On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was 90 or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. XXXX XXXX continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. XXXX XXXX liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month capital one sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.
I applied for a loan back in the year of XX/XX/XXXX. I didn't receive the loan until XX/XX/XXXX. It was confusing about the loan getting to my account. My federal staff loan was XXXX and I didn't receive anything but only XXXX XXXX dollars. The school kept the rest to pay off the degree. I have a developed a business plan to pay back the school debt for borrowing the loan. Now I can't borrow anything. What can I do here?
The debt collector, Navient, calls my co-borrower, my elderly father, 7-9 times a day and they do not call me, the primary account holder. 

They stated on a recorded line that they would call him or I first since we are both on the account. I told them to look back at their records. He has never paid my loan ever and they need to call me and try to reach me before calling and harassing him. He is elderly and XXXX and they are taking advantage of him. They threaten him when they call.
I was a student of XXXX last XX/XX/XXXX. my XXXX shut its doors to us out of nowhere. I have a {$15000.00} private student loan with American Student Financial Group. My college was not to have used those funds until I started my XXXX term of school. The school was to exhaust my federal student loans first before touching my private loans. My school tuition totaled {$30000.00}. XXXX initially told me that my student loans were {$15000.00} and that in need another {$15000.00} to cover the cost through ASFG. That being said my private loan should have not be in use until the first week of my XXXX term. Unfortunately my school surprising shut down 1 week prior to taking our XXXX term finals. As of XX/XX/XXXX, I contacted ASFG and they told me that they are unable to discharge my loans. That they will off a discount on my principle loam. Which is absurd! Why am I going to pay {$15000.00} + 12/13 % interest on a loan I have not used.