WillisBack/dataset-financial-user-claim huggingface dataset:
when trying to repay the loan I have had to call after every payment to see that the monies are applied correctly. I have the min payment set up automatically which should cover all of the interest of the loans, then I am adding an additional {$240.00} per month and fedloans applies the payment to future dated INTEREST payments, instead of to lowering my principal balance.
On XXXX XXXX, XXXX, I noticed a hard inquiry from XXXX that occurred on XXXX/XXXX/XXXX. I had applied for a XXXX credit card back in XXXX of XXXX, and there is also a hard inquiry from then ( as expected ). I do not believe I ever authorized the second pull that happened in XXXX.
XXXX XXXX ( I believe ) has been calling my cell phone, ( XXXX ) XXXX for the past 2+ years for a XXXX XXXX . I don't know who this person is, repeatedly told the company this, and asked them to take me off their calling list, and I still get a phone call every few months. I've had this XXXX number for over 10 years and now live in XXXX. Because of this, they have woken me up at least once at near XXXX. 

I don't have a full list of incidents, but have a few voicemails from them for the few times I didn't answer my phone. They've called me at least 20 times within the past couple years. Here are the dates/times I was called, the phone number that called, and a brief description. All of these voicemails reference XXXX XXXX. 

XX/XX/2017, XXXX XXXX : ( XXXX ) XXXX - Only asked for XXXX XXXX. XXXX call, no callback number. 
XX/XX/2017, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - This is the call I picked up today, with the person asking for XXXX XXXX once again. I just hung up as I've already asked them numerous times to stop calling me.
I opened a best buy citibank credit card recently and before I received the card, I moved. I called them to change my address and even after giving them my ssn and all the information they asked for, they would n't verify my account. 

I gave them the same information that I used to open the account. They made me send a code to a number that belongs to my father to access my account. After changing my address they told me they would send out a new card. I received an email from them today about returned mail. I called them to see if it was returned from the old address or the new. They told me my account was being investigated for fraud and they could n't give me any other information, not even if interest and late fees would be accruing during this time or how long this investigation would take. 

This is unacceptable. This is my account and I have all the information that is legally required to prove my identity. I am worried they will hurt my credit as I can not access my account to make a payment. They would n't allow me to speak to a supervisor, though I asked on XXXX separate calls. Please advise.
Equifax, XXXX  and XXXX XXXX will not update my credit report to reflect my credit lines and credit card accounts. 

I have attached the accounts, account numbers and credit line. None of these accounts have ever been late and by failing to update my records, it is having a negative effect on my FICO score. 

There is not reason for these updates to take so long.
Over the past 10 years navient has steered me to forbearance and deferment. Only in the past few months have they been more open to me using a repayment income-based plan. I think they're thieves! It's really ridiculous how much student loan there is in this country and how hard it is to pay it back or get rid of it.
To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XXXX for a balance of approximately $ XXXX. XX/XX/XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. XX/XX/XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ XXXX. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from XXXX, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.
To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX , XXXX, OH XXXX. XXXXMY CURRENT WORK INFORMATION IS : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!
On XXXX,XXXX I discovered after a conversation with my ex-husband XXXX XXXX that the credit agencies deleted a past mortgage. I did not authorize this. At the time I had hired XXXX XXXX to do credit repair in XXXX. It was on there prior to hiring them. They, however, deny removing it. I wrote to all three agencies and they will not address the issue. 

I have provided plenty of evidence showing when account opened, closed, high balance and correct payoff. 

I am XXXX yo grandmother and it shows I only have had credit for four years! 

It is damaging my score due to lack of credit information. XXXX mortgage no longer exists so there is no way for me to contact them directly. 

Need this to report on my credit file. They report bad but don't want to report good when its old.
I filed for Chapter XXXX bankruptcy in XX/XX/XXXX. By XX/XX/XXXX, seven years later, I requested the bankruptcy to be removed from the credit report agencies. XXXX complied, but XXXX and XXXX replied that they would hold it for ten years. So in XX/XX/XXXX I renewed the request to remove. To this day, XX/XX/XXXX. The record continues to affect my credit score.
I received a letter from XXXX XXXX XXXX , XXXX on XX/XX/2019 but was sent out from their office on XX/XX/2019. I will write my response in regards to this debt.
On XX/XX/XXXX, BoA told me that they would refund three months worth of the monthly maintenance fees I was charged.

They send me a check for the incorrect amount when I requested my account be closed.

They told me on XX/XX/XXXX that because my account was closed, they were unable to correct their check issuance error and as a result they were keeping my money. 

They informed me that they did see that I was told the fees would be refunded, but that they had no way to give me the funds. 

It's absurd and should be illegal.
This company made a robotic call indicating they were calling about a package delivery and asked me to press XXXX '. I pressed XXXX ' and learned that they were trying to get in touch with a former friend with whom I have not spoken in several years. I explained this to them and asked them to remove my number from their records. She said that she would not this since it is listed as the number for " the defendant ''. I asked her for her company 's info and she hung up on me. I had to call back XXXX additional times to get the information. XXXX XXXX yelled at me repeatedly and told me she would be contacting " counsel '' about this. When I asked for name/contact info for this individual, she refused. I am sending them a cease & desist order, the representative told me that would not stop them from continued calls to me.
I had applied for a modification with XXXX on my XXXX lien last year. I went to a XXXX non profit agency for help. I misunderstood the counselor helping me and I did not pay payments while I was waiting to hear on the modification. a whole year went by and I kept submitting the requested docs to XXXX for the mod then in XXXX of this year I received a notice of servicing transfer stating my loan had been transferred to United Guaranty. By this time my new counselor with the XXXX office helped me call the new servicer to explain I was waiting to hear on my modification. we spoke to XXXX XXXX with United Guaranty she explained to me that my account is XXXX payments passed due and my balance is {$4000.00}. My payment with XXXX is {$120.00} if you do the math, XXXX payments x $ XXXX XXXX plus late fees. when the housing counselor and I called XXXX to discuss options to bring my account current since XXXX said I would not qualify for a modification. she said I had to pay {$4000.00} and my payments would not go back to the {$120.00}. I do n't understand why if all my information and terms of the loan was transferred this to me means that the current balance, rate and payment would remain the same. we told XXXX on the letter it also states that " nothing else about your loan will change '' I do n't understand why I can pay the 15 months of missed payments and go back to my {$120.00} payment, instead United wants to increase my payments which I can not afford. please help me to work with the new servicer, I just want to pay the pass due and go back to my regular monthly payment of {$120.00} which I had before it was transferred.
On the XX/XX/XXXX, I made a XXXX SEPA transfer from my XXXX Bank Account to Coinbase Account in XXXX XXXX Account. I noticed something could go wrong as I made the transfer in GBP to their XXXX account. 

So on Thursday XX/XX/XXXX I sent them an email ( XXXX ) asking them to look into the transfer and to tell me what was going on. They gave me an automated template reply and that was it. 

On XX/XX/XXXX I sent them another e-mail asking for information again. 

During the following 10 days, I spent my time searching the net for contacts, feedback from other users and sent a couple of XXXX to Coinbase account. Nothing still. 

On XX/XX/XXXX they finally replied telling me how to do a SEPA transfer. Nothing relating to solving the issue. 

XX/XX/XXXX I called my bank ( XXXX ) and they confirmed the money had been received on XX/XX/XXXX and it would most probably what is called a Holding Account. So I took that information and sent them another email with all the details of the transfer. Name, date of transfer, amount, IBAN, SWIFT, Unique Transfer Reference Number and Account Reference Number. 

On XX/XX/XXXX, 3 tickets later, I sent them another email, this time threatening action. 

On XX/XX/XXXX, they finally email me back asking for proof of transfer. A screenshot of the payment that shows the IBAN and a portal address for me to upload to. I did straight away. 

Until now, nothing else. 

I understand I made a mistake. I 've never done a SEPA transfer and the currency option got completely overlooked. BUT 13 working days for a transfer that should take around 1-3 working days is a JOKE. 22 days in limbo without knowing what has happened to my money.
I have been denied several checking accounts due to information that I believe to be related to identity theft on this report. When I requested a copy of the report on XX/XX/2019 I was told that i did not pass the authentication with the operator even though I supplied them with an address that I have resided at for over 4 years. I was then told to go online to print out a request then mail it in and that from the time they receive it to give an additional 15 days to receive the report. Due to the sensitivity of this issue potentially being an identity theft issue I feel as though this matter should have been escalated to prevent any further harm being done to me.
I have had   XXXX   Credit card for some years now which is with Comenity Bank. On   XXXX   XXXX   2016, I went to have a free consultation with   XXXX   XXXX   XXXX   The lady toke pic and measurement, we then began to discuss the different options and treatments that were available. We start discussing the payment options and what would be the best treatment for my money. She then asked me if I have heard of   XXXX   Credit and I tell her yes I have a card with them. She says great let me look up your information and see how much you have, as I was unsure of the amount. She then saw that I had  XXXX  and began to continue with what was my best offer as far as treatment and price. we confirm the treatment plan, she then gets me the paper work, and as I 'm looking through everything I see a no refund policy, and I question her about it, she tells me she has already charged my card and that everything will be fine and that the doctor does a great job. So then I got a new job and could not have the procedure done. Then I filled a dispute with comenity bank and when I spoke with the guy about the no refund policy he said that he has never heard of a company trying to make you pay for services they did not receive, but then 60 days later they responding saying I would have to dispute it with   XXXX    credit directly. For the last 120 days Comenity Bank has inaccurately reported on my credit. NO one should have to pay for a service they did not receive, it should be against the law.
I had a loan from Wheels Financial Group , LLC aka LoanMart for a vehicle while I was in the XXXX. I notified them that I was being called to XXXX XXXX and then repossessed my vehicle. No notice of repossession or notice of sale was served prior to them choosing to auction off my vehicle. They recouped all of the balance owed on the vehicle with the exception of {$890.00}. The vehicle was sold on XXXX XXXX, XXXX and after 5 years I am receiving collection attempts in the amount of {$6500.00}. It is past the statue of limitation to collect and to report a debt under California Code of Civil Preceding subsection 337. On XXXX XXXX, XXXX I received an email regarding the payoff amount being {$890.00} and the amount would satisfy all collection acts and remove the debt. I contacted the company in an attempt to satisfy the debt and instead was told they would not settle the debt for that amount and I had owed the {$6500.00}. I began to question the email I had received and I was informed that if I did not choose to pay the full amount legal action would be taken against me. I was threaten with police action and also threatened with my current assets being ceased and wages being garnished. Since communication on XXXX XXXX, XXXX I have received harassing calls and emails attempting to collect the debt in the amount of {$6500.00}. They have violated the Fair Credit Reporting Act and also, the Soldiers and Sailors Act. Also, in none of the correspondence sent by LoanMart did it state as a disclosure that the company could n't sue me. I was ready to pay them until a friend had informed me that their actions were illegal and I needed to pursue them legally.
I called who I thought was PayPal and it was someone foreign who was asking me to purchase a XXXX card for my refund in paypal I asked several times to speak to a manager with no luck it just felt like I was talking to the same guy XXXX I finally got a hold of someone from PayPal who said this was my first call I canceled my credit card but, Im still worried. Thanks for your help. 

XX/XX/2018 @ XXXXXXXX XXXX
Bank of America Loan # XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXWe started a short sale with Bank of America XX/XX/XXXX. Bank of America holds the 1st TD position, and also shows as the servicer on title for the 2nd TD. 

There are several issues with Bank of America 's behavior on this short sale. 

1 - We have been trying to find out if Bank of America also still holds the 2nd TD, or to where it was service released for TWO WEEKS. NO ONE will respond to our voicemails, nor our requests in Equator. 
*** Bank of America is OBSTRUCTING the negotiation with the 2nd TD. 


2 - Bank of America repeatedly requests items that do not exist, or that we have already provided. They have been requesting copies of separate business bank statements for the XXXX homeowner, and for XX/XX/XXXX Income Taxes. I have repeatedly sent them SIGNED STATEMENT from the homeowner stating they have not filed XX/XX/XXXX Income Taxes -- this type of statement has ALWAYS been accepted in the past, not only by Bank of America, but every other lender that services short sales. Bank of America has repeatedly rejected this statement. I have also submitted the business bank statements on XXXX - when they were first requested - and Bank of America rejected them anyway. 
***Bank of America is refusing to work on a short sale for someone who has not filed XX/XX/XXXX Income Taxes***Bank of America rejects the exact documents that they have requested - is this another attempt to XXXX the short sale process? 


3 - The Single Point of Contact ( SPOC ) does not return phone calls. 

4 - There is NO ONE at Bank of America that will answer any questions regarding short sales over the phone. All attempts at speaking to someone result in being transferred to a voicemail, which is never returned. Even their normal customer service department, which handles all their financial products, immediately transfers you to the SPOC 's voicemail, saying they have no information and can not help us. 


5 - The negotiator and management refuse to respond to voicemails and messages inside their Equator system.
I discovered this company had illegally reinserted a medical bill from XXXX XXXX on my credit file. You are required to notify me within XXXX days of inserting a previously deleted item. I did not receive such notification.
In XXXX of XXXX, my son was being treated for XXXX. I called the mortgage company, Planet Home Lending, and advised them that it would be difficult to make a payment because my son was sick. I asked the mortgage company if they offered any kind of service that allowed me to make a reduced payment that month. 

They told me that I should not worry about anything, because I could simply make a double payment the next month and everything would be ok. The next month, when I attempted to make a double payment, they told me that they were no longer accepting my payments because they had placed me in foreclosure. 

When I advised them that someone told me to simply make a double payment, they told me that they would no longer accept my money, and that instead I should apply for a loan modification. 

They sent me the paper work, but everytime I submitted it they returned it to me saying that documents I had already submitted were missing. In the meantime, I was served with foreclosure paperwork. 

When I called Planet Home Lending to inquire about the foreclosure lawsuit, they told me it was nothing to worry about. Planet Home Lending said it was all taken care of for me and that I should not attend court because there would be no foreclosure. 

I continued to attempt to make mortgage payments and to finalize the loan modifications, but Planet Home Lending refused to work with me. On Thursday, XXXX XXXX, the mortgage servicer foreclosed on me and set a sale date for XXXX XXXX, XXXX. 

This is a XXXX loan. The servicer refused to work with me. They purposefully lied to me. They told me to not attend court. They refuse to handle my loan modification properly. I have sick child, and I can afford my mortgage, yet they are refusing to work with me and are attempting to sell my house.
I had a loan with XXXX who entered into a loan modification agreement with me and then suddenly transferred my loan to Greentree Servicing LLC who did not honor the modification agreement. Subsequently they started the foreclosure process in 2010 where it is now in the hands of the court. I need your help to correct this injustice. I 've suffered a XXXX XXXX and other illness XXXX and anguish this has put me and my family through. Not to mention the irreparable finanancial harm this has cause. Thank you.
Male caller identifies himself as representing PAN AM Collections. Telephone number is blocked. Argues when I indicate I can not pay bill at this time. When I attempt to advise him not to call but to contact by mail, he states, loudly, " I can not hear you when you talk at the same time '' very loudly. Attempts to get me angry as a form of abuse ( I am suffering from XXXX ).
I would like to know who is asking for loan modifiation on my behalf and pretending to be me? And how can offical federal documents be invalid? It sounds to me that you company is refusing to investigate by documenting invalid info. I want the info your documenting on my behalf with in the time frame you have had the loan and confidential documents wo n't work. You say you have me requesting stuff prove it. Because right know i have your company documenting stuff I do n't say as well as using it in validly to file false paperwork
Equifax refuses to remove erroneous information from my credit report. They said I can put a statement. But whats so funny is the company reporting the information XXXX, XXXX is out of business and they refuse to give me their phone number.
I have a account from XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX # XXXX That is still showing on my report that should already be deleted. My address is XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ALL THESE ADDRESSES ARE NOT ACCURATE PLEASE DELETE. 
I have a unverified public record that needs to be removed XXXX XXXX COURTXXXX DOCKET # XXXX it is not to my knowledge listed properly please delete error. Then there is this account XXXX XXXX XXXX XXXX # XXXX I do not recognize this company never had a contract for business and never heard of them please delete.